Flex Cards Fees and Limits

The Flex Card keeps fees simple and provides higher limits designed for everyday spending, travel, subscriptions, and international purchases.

Below is a quick breakdown of all Flex Card fees and limits.

Fees	Details
Creation fee	Free
Spending limits	$5,000 daily, $20,000 monthly (online + in-store combined). Higher limits may be offered for frequent users
FX fees	$0.30 + 1% per non-USD transaction (lower than Classic Card: $0.50 + 2.85%)
Funding fees	Cash (local currency) → Free, Crypto from external wallets → Free (except USDT on Tron: 1.25 USDT network fee)
Fees for offline payments	No extra fee beyond FX (if transaction is not in USD)
Fees for card replacements	Support will assist if your card needs to be replaced. Any applicable fees will be communicated at that time
Physical cards	Coming soon. Fees (if any) will be announced when the physical card is launched.

You'll find more detailed explanations below, including what you’ll be charged, what’s free, and how much you can spend with your Flex Card.

There is no cost to create a Flex Card.

Your Flex Card comes with the following default limits:

These limits apply to online transactions and in-store tap payments (Apple Pay / Google Pay) combined.

Higher limits may be offered in the future to users with strong usage history.

When you pay in a currency other than USD, Flex applies a small, transparent conversion fee:

This is significantly lower than the Classic Card (which charges $0.50 + 2.85%).

Adding money to your Flex Card is also simple:

Funds you add to your Flex Card appear instantly once the card is created.

Using Apple Pay or Google Pay for in-store tap payments has no additional fee beyond the FX fee (if the purchase is not in USD).

If your card ever needs to be replaced, support will let you know any applicable fees

Physical cards will be supported later, and fees, if any, will be provided when launched.

Updated on: 18/11/2025

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