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Transaction limits and fees for the US Account

Updated today

🚦 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.

  • Third-party transactions:

    • For U.S. residents: Under $4,000 per transaction limit. Transactions above this limit may be rejected.

    • For non-U.S. residents: Third-party person-to-person payments are permitted for amounts less than $2,000.

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.


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

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

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