Personal accounts are free forever. Business accounts pay a flat monthly fee plus per-rail transfer costs. No surprise FX margins.
For freelancers and individuals.
Treasuries, payouts, vendor management.
High-volume teams and platforms.
Same on Personal and Business — we don't mark these up. They pass through directly from our banking partners.
| Rail | Inbound | Outbound |
|---|---|---|
| ACH (US) | Free | $0.50 per payout |
| Wire (US) | $15 inbound | $25 per payout |
| SEPA (EU) | Free | €0.30 per payout |
| SWIFT | $15 inbound | $30 per payout |
| On-chain (USDC, USDT) | Free | Network gas only |
| FX (USD ↔ EUR) | — | Interbank + 0.4% |
Most teams start on Personal, upgrade to Business after their first payout, and only need Scale once volume crosses $1M / month.