> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.onboard.xyz/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# What are all the fees on Onboard?

A complete reference of every fee across the platform.

### Deposits into Cash Balance
| Method | Fee |
| ---- |
| Stablecoins (USDT, USDC) | Free on most networks. 0.1 USDT/C on Ethereum. 1 USDT on Tron |
| NGN named account | Free (conversion at live rate) |
| USD named account (ACH) | SSB Bank - 0.5% + $1 per deposit / Lead Bank - 1% + $1 per deposit |
| USD named account (Fedwire) | SSB Bank - 0.5% + $20 per deposit / Lead Bank - 1% + $20 per deposit |
| USD named account (SWIFT) - SSB Bank only | SSB Bank - 0.5% + $25 per deposit |
| EUR named account (SEPA) | €1 |
| GBP named account (UK Faster Payments from within the UK, SEPA) | £1 |
| GBP named account (UK Faster Payments from GBP accounts outside the UK) | £1 |
| From other Onboard balances | Free |
| From Onboard user | Free |

### Card Fees
| Action | Flex |
| ---- |
| Create first card | Free |
| Create additional card | $2 |
| Funding | 1.25% most networks / Tron - 1.25% + $1.25 / Ethereum - 1.25% + $0.10 |
| USD transactions | Free |
| Non-USD (FX) transactions | $0.30 + 1.5% |
| Cross-border USD transactions | $0.30 + 1.5% |
| Declined (international) | Free |
| Declined (domestic) | Free |
| Withdrawals from card (cash & stablecoins) | Free |

### Sending Money (Withdrawals to Bank & Mobile money Accounts)
| Currency | Fee |
| ---- |
| Local currency (NGN, IDR, KES, etc) | Free |
| USD | 0.5% + payment method fee (ACH - $1 / Wire - $20 / SWIFT - $25) |
| EUR/GBP | Free |

### Sending Crypto (to External Wallets)
| Source | Fee |
| ---- |
| From Cash Balance | 0.1% on most networks / Tron: 0.1% + $2 / Ethereum: 0.1% + $2.50 |
| From Trading Wallet | Free |
| From DeFi Wallet | Free |

### Internal Transfers (Move)
| Transfer | Fee |
| ---- |
| Between Cash Balance, Trading Wallet, DeFi Wallet | Free |
| To Card | Card funding fee applies (1% Flex) |

### Account & Setup
| Action | Fee |
| ---- |
| Onboard account | Free |
| Identity verification | Free |
| USD named account setup | Free |
| NGN named account setup | Free |
| GBP named account setup | Free |
| EUR named account setup | Free |

All fees are deducted before crediting unless otherwise noted. All limits are defaults — contact support to request increases.