Transaction limits and fees for the US Account

🚦 What’s the difference between first-party and third-party transactions?

First-party transaction:
You are sending money from your own bank. It’s your name on both sides of the transfer.

Third-party transaction:
Someone else is sending money to your Decaf account. This could be a friend, client, employer, or family. Their name is on the sending account, not yours.

Note that some fintech apps are considered as third party as well.

Personal accounts

First-party transactions: No deposit, monthly, or annual limits for both U.S. and non-U.S. residents.
Transactions above $10.000 might need source of funds documentation.
Third-party transactions:
- For U.S. residents: Under $4,000 per transaction limit.
- For non-U.S. residents: Third-party person-to-person payments are permitted for amounts less than $2,000.
  Transactions above these limits may be rejected.

Business accounts

No deposit, monthly, or annual limits for both U.S. and non-U.S. residents.

⚠️ Certain transaction volumes or frequencies may trigger our AML alerts and require additional review.

To avoid delays, we recommend limiting activity to 1–2 transactions per day.

Associated fees

💡 All transactions are subject to a 1% processing fee, plus a $1 fee for ACH payments or a $10 fee for wire transfers.

If you ever need help, we’re here to assist:

💬 Support: Contact us via chat in the Profile > Support section