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Plans That Scale
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No hidden fees. Pay only for what you use.
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Individual Account Pricing
Prepaid Card
Mastercard Silver
Prepaid Card Apple Pay & Google Pay. Digital ads (Meta, Google, TikTok)
$10
USD
one-time issuance fee
Sutton Bank, United States
Debit Card
Mastercard World
Debit Card Apple Pay & Google Pay. Digital Ads, Subscriptions
$15
USD
one-time issuance fee
Sutton Bank, United States
Credit Card
VISA Platinum
Credit Card Apple Pay & Google Pay. Crypto, POS & all merchants
$20
USD
one-time issuance fee
Sutton Bank, United States
| Feature | Silver | World | Platinum |
|---|---|---|---|
Pricing & Fees | |||
| Card Issuance Fee | $10 | $15 | $20 |
| Card Funding Fee | 2.5% | 2.5% | 2.5% |
| Cross-Border Transaction Fee | $1.00 (min $1.00) | $1.00 (min $1.00) | $1.00 (min $1.00) |
| Maintenance Fee | $1/mo | $1/mo | $1/mo |
| Withdrawal Fee | 1.5% | 1.5% | 1.5% |
| Card Replacement Fee | $3 | $3 | $3 |
| Decline Fee | $1.00 | $1.00 | $1.00 |
Security & Payments | |||
| 3D Secure (3DS) | |||
| Apple Pay | |||
| Google Pay | |||
| Authentication | 3DS | 3DS | 3DS |
Limits & Usage | |||
| Spending Limit | $20,000/day | $40,000/day | $60,000/day |
| Minimum Initial Balance | $5 | $5 | $5 |
| Maximum Cards per User | Unlimited | Unlimited | Unlimited |
| Reloadable | |||
| Card Validity | 1 year validity | 1 year validity | 1 year validity |
| Currencies | USD | USD | USD |
| Initial Deposit Required | |||
Decline Policy | |||
| Decline Tolerance | 5 declines | 10 declines | 15 declines |
| After Exceeding Limit | Suspended | Suspended | Suspended |
Compatibility | |||
| Ad Platforms (Meta, Google, TikTok) | |||
| Online Shopping | |||
| Subscriptions (Netflix, Spotify...) | |||
| Crypto Exchanges | |||
| POS / In-Store (NFC) | |||
| Freelance Platforms | |||
| Instant Issuance | |||
Verdict | |||
| Best For | Best for Ads | Best for All | Best for All |
Pricing & Fees
Card Issuance Fee $10
Card Funding Fee 2.5%
Cross-Border Transaction Fee $1.00 (min $1.00)
Maintenance Fee $1/mo
Withdrawal Fee 1.5%
Card Replacement Fee $3
Decline Fee $1.00
Security & Payments
3D Secure (3DS)
Apple Pay
Google Pay
Authentication 3DS
Limits & Usage
Spending Limit $20,000/day
Minimum Initial Balance $5
Maximum Cards per User Unlimited
Reloadable
Card Validity 1 year validity
Currencies USD
Initial Deposit Required
Decline Policy
Decline Tolerance 5 declines
After Exceeding Limit Suspended
Compatibility
Ad Platforms (Meta, Google, TikTok)
Online Shopping
Subscriptions (Netflix, Spotify...)
Crypto Exchanges
POS / In-Store (NFC)
Freelance Platforms
Instant Issuance
Verdict
Best For Best for Ads
Pricing & Fees
Card Issuance Fee $15
Card Funding Fee 2.5%
Cross-Border Transaction Fee $1.00 (min $1.00)
Maintenance Fee $1/mo
Withdrawal Fee 1.5%
Card Replacement Fee $3
Decline Fee $1.00
Security & Payments
3D Secure (3DS)
Apple Pay
Google Pay
Authentication 3DS
Limits & Usage
Spending Limit $40,000/day
Minimum Initial Balance $5
Maximum Cards per User Unlimited
Reloadable
Card Validity 1 year validity
Currencies USD
Initial Deposit Required
Decline Policy
Decline Tolerance 10 declines
After Exceeding Limit Suspended
Compatibility
Ad Platforms (Meta, Google, TikTok)
Online Shopping
Subscriptions (Netflix, Spotify...)
Crypto Exchanges
POS / In-Store (NFC)
Freelance Platforms
Instant Issuance
Verdict
Best For Best for All
Pricing & Fees
Card Issuance Fee $20
Card Funding Fee 2.5%
Cross-Border Transaction Fee $1.00 (min $1.00)
Maintenance Fee $1/mo
Withdrawal Fee 1.5%
Card Replacement Fee $3
Decline Fee $1.00
Security & Payments
3D Secure (3DS)
Apple Pay
Google Pay
Authentication 3DS
Limits & Usage
Spending Limit $60,000/day
Minimum Initial Balance $5
Maximum Cards per User Unlimited
Reloadable
Card Validity 1 year validity
Currencies USD
Initial Deposit Required
Decline Policy
Decline Tolerance 15 declines
After Exceeding Limit Suspended
Compatibility
Ad Platforms (Meta, Google, TikTok)
Online Shopping
Subscriptions (Netflix, Spotify...)
Crypto Exchanges
POS / In-Store (NFC)
Freelance Platforms
Instant Issuance
Verdict
Best For Best for All
Transaction Fees
Deposit, withdraw, and transfer fees by payment category.
Internal Transfers
Between Fyatu accounts — instant
Transfer to User
0.5%
Transfer to Business
Free
Mobile Money
African mobile operators
Deposit
from 2.5%
Withdraw
from 2.8%
Transfer
from 3.5%
Online Wallets
Global eWallets & platforms
Withdraw
from 3%
Transfer
from 5%
Cryptocurrency
Stablecoins & crypto
Deposit
from 1.5%
Withdraw
from 4%
FAQ
Pricing FAQ
Common questions about our pricing, fees, and features.
