Currently, Karta offers two types of accounts with different pricing:
Business: This account type is for clients with a registered company who have successfully passed KYB verification.
Freelance: This account type is for freelancers and individuals without a registered company who have successfully passed KYC verification.
For your convenience, below is a detailed list of all applicable fees associated with each plan:
| Business | Freelance |
|
Adding funds: |
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|
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Crypto Deposit | 2.50% + €15.00 | 3.00% | Replenish your account using USDT or USDC via Ethereum, Polygon, Base, Optimism, Avalanche, Arbitrum One, and ZKsync (Tron TRC20 — USDT only) |
Free monthly cards | 50 | 0 |
|
Card payments: |
|
|
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Card issuing | €3
| €0.25 |
|
Foreign Exchange Fee (applied for card transactions) | 2.00% + €0.50 | 1.00% + €0.50 | The fee is applied to any transaction that is billed through a card currency other than EUR. |
Cross-border transaction (applied for card transactions) | 1.00% + €0.30 | 1.00% + €0.30 | The fee is charged for transactions where the merchant's country is other than: |
Remember, you can always check your plan along with all the fees and limits in the Settings under the Billing section.
Understanding Transaction Fees
Here’s an example of how our card transaction fees work based on various scenarios. This will help clarify how different fees may apply depending on the location, currency, and amount of the transaction for each account type.
Transaction Type | Example Amount | Location | Currency | Fees Applied | Total Fee |
Domestic Transaction | €100 | One country from the list above | EURO |
| $0.00 |
Cross-border Transaction for Freelance/Business | €100 | Not included in the list above | EURO |
| €1.3 |
Cross-border + Foreign Exchange for - Business | $100 | Not included in the list above | Not EURO |
| €3.80 |
Cross-border + Foreign Exchange for - Freelance | $100 | Not included in the list above | Not EURO |
| €2.80 |