Fees

Plain fees.
No footnotes buried.

Every fee we charge, in one place. Currency conversion is calculated at SarusPay's displayed rate — always shown before you confirm.

ItemFeeNotes

AccountFreeNo monthly fee, no minimum balance.

Top-upFreeAdd digital dollars to your USD balance.

Virtual cardFreeIssued instantly on approval.

Physical card$19.99Includes delivery.

In-store spendFreeIn your card currency.

Online spendFreeIn your card currency.

ATM withdrawal3% (min $3)Third-party operator fees may apply.

Currency conversionDisplayed rateThe exact rate is shown before you confirm each transaction.

Card replacement$19.99Includes delivery of the replacement card.

Chargeback / disputeFreeWe don't charge you to raise a dispute.

Monthly feeNoneNo recurring account charge.

Fees may change with reasonable notice. Availability of specific features varies by region. See the Eligibility page for details.