Fees and processing time for virtual account top-ups depend on the selected currency and payment method.
The final fee includes all applicable processing and conversion costs.
Fees and Processing Time by Currency and Method
Method | Currency | Fee | Estimated Processing Time |
ACH | USD | 0.30% + 2.50 USDT | 1–2 business days |
SWIFT | USD | 0.30% + 37.50 USDT | 1–2 business days |
U.S. Domestic Wire | USD | 0.30% + 30.00 USDT | Same business day / up to 1 business day |
SEPA | EUR | 1.00% + 2.00 USDT | Instant |
PIX | BRL | 1.00% + 0.50 USDT | Around 5 minutes |
Bank Transfer | COP | 1.00% + 0.50 USDT | Instant |
SPEI | MXN | 1.00% | Around 5 minutes |
Important
Fees may vary depending on the payment method and currency selected.
The final credited amount may differ slightly due to exchange rate fluctuations or external banking charges.
Processing times are estimates and may vary depending on the sending bank.
Some banks may apply additional processing or intermediary fees.
Domestic Wire is available for transfers within the US only. For international USD transfers, please use SWIFT.
SEPA transfers: Instant processing is only possible if the sending bank also supports SEPA Instant. Otherwise, the transfer may be routed via standard SEPA Credit Transfer or SWIFT, which can result in longer processing times.
What to keep in mind when topping up via bank transfer
Some bank transfers may require additional review by our banking partner. This can happen, for example, if the transfer is sent from a third-party bank account (not under your name) or if the transfer amount is larger than usual.
If a transfer is selected for review, processing may take longer than standard banking timelines. In some cases, additional information may be requested, or the funds may be returned to the original sender.
Please note that manual reviews are handled entirely by our banking partner, and we’re unable to speed up or override this process. Our support team is always here to help and keep you informed.
Need help?
If you have questions about fees or received amounts, contact our support team through the app.