Fees & Disclosures
Two simple ideas keep our pricing honest. Deposits are free — you only fund a $60 minimum before your card is issued. Top-ups are tiered — once you have a card, every reload follows a declining 7% / 6% / 5% scale starting at a $25 minimum top-up.
Deposit (pre-card funding)
Funding your CardsFlow wallet carries no fees. The only requirement is a $60 minimum so we can issue your CardsFlow Visa. Pay with any supported cryptocurrency — conversion to USD happens automatically.
How it works: send $60 or more in any supported coin. Funds typically credit in minutes. Once credited, you can issue a virtual ($5) or physical ($50) CardsFlow Visa from your dashboard.
Top-up fees (after card issuance)
Once a card is active, every top-up to that card follows a declining tier fee schedule. The minimum top-up amount is $25.
| Top-up amount | Fee | Effective fee at floor |
|---|---|---|
| $25 — $1,999 | Flat 7% | Min top-up $25 |
| $2,000 — $4,999 | Flat 6% | Tier 2 |
| $5,000 and above | Flat 5% | Tier 3 |
Spending & withdrawal limits
| Limit | Details |
|---|---|
| Maximum single transaction | $20,000 |
| Daily spend per card | $100,000 |
| Monthly spend per card | $1,000,000 |
| Cards per account | 3 |
| Single ATM withdrawal | $2,500 |
| Daily ATM withdrawals | 6 / day |
| Monthly ATM cap | $100,000 |
| Card validity | 5 years from issuance |
Other charges
| Charge | Amount |
|---|---|
| Foreign exchange (non-USD merchants) | +1.2% above interbank |
| ATM withdrawal handling | $2.00 + 2.5% of amount |
| Pre-authorization network fee | $0.20 / transaction |
| Dispute / chargeback handling | $35 / case (refunded if upheld) |
| Refund processing | Manual review - paid in USDT (Tron / TRC20) only - 1-10 business days |
| Inactivity fee | None |
| Account closure | Free |
Eligibility & verification
Zero-knowledge eligibility — CardsFlow does not collect, store, or see your identity documents.
Our verification partner returns only a cryptographic proof that you meet the eligibility criteria. No passport upload. No biometric capture. No raw identity data persisted on CardsFlow.