Transaction limits for EUR accounts

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

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

Third-party transaction:
Someone else is sending money to your IBAN on Decaf. Available only for business-related payments (e.g., employer, sales, or services).

Personal accounts

First-party transactions: No deposit, monthly, or annual limits.
Transactions above 10.000€ might need source of funds documentation.
Third-party transactions: Available only for business-related payments (receiving payments from a business or sending payments to a business).

Business accounts

No deposit, monthly, or annual limits.

⚠️ Please note: 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 flat fee.

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

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