Pricing
Start free. Upgrade when the numbers make sense.
Three plans by account tier. Every fee is published in-app before you commit, and higher tiers pay less on the transactions they run most.
Pay monthly, or choose annual billing and save around 15%.
Lite
Personal essentials — multi-currency accounts, your first cards and standard published rates.
- Multi-currency accounts with local details
- Included free currency-account openings
- Virtual and physical card allowance
- Free crypto deposits
- Standard rates on payouts and exchange
- Email support
Standard
For regular movers of money — lower fees, more included free openings and priority support.
- Everything in Lite
- Reduced rates on deposits, payouts and exchange
- More included free account openings
- Larger card allowance
- Higher referral fee share
- Priority email support with a response-time SLA
Premium
For high-volume treasury — our lowest published rates, the highest limits and a dedicated manager.
- Everything in Standard
- Our lowest published rates across the board
- The most included free account openings
- The largest card allowance
- Our highest referral fee share
- Dedicated account manager
How billing works
Predictable billing, no surprises
Plan charges are simple and mechanical — you always know when and how you are billed.
Billed on the 1st
Plan charges are billed on the first of each month. Annual billing settles once a year and saves around 15% against monthly.
Upgrades apply immediately
Move up a tier and the lower fees and larger allowances take effect straight away. Downgrades apply at the end of the current billing period.
Autopay from any balance
Your plan charge is collected automatically from any balance you hold — no card on file required.
Invoices with PDF export
Every charge produces an itemised invoice you can view in-app and export as a PDF for your records.
Compare plans
What each tier includes
Exact percentages and amounts are published on the in-app fee schedule when you sign up. The pattern is simple: the higher the tier, the lower the rate and the more that is included.
| Feature | Lite | Standard | Premium |
|---|---|---|---|
| Accounts | |||
| Free currency-account openings | Included allowance | More free openings | The most free openings |
| Account-opening fee after allowance — individual | Standard fee | Reduced fee | Lowest published fee |
| Account-opening fee after allowance — business | Standard fee | Reduced fee | Lowest published fee |
| Fiat deposits (percentage fee) | Standard rate | Reduced rate | Lowest published rate |
| Crypto deposits | Free | Free | Free |
| Payments | |||
| Local transfer payouts | Standard rate | Reduced rate | Lowest published rate |
| SWIFT wire payouts | Standard rate | Reduced rate | Lowest published rate |
| Crypto payouts | Standard rate | Reduced rate | Lowest published rate |
| Currency exchange | Standard rate | Reduced rate | Lowest published rate |
| Cards | |||
| Included virtual & physical card allowance | Starter allowance | Larger allowance | The largest allowance |
| Card issuance fee | Standard fee | Reduced fee | Lowest published fee |
| Card top-up fee | Standard rate | Reduced rate | Lowest published rate |
| Referral rewards | |||
| Share of fees from referred users | Base share | Higher share | Our highest share |
| Flat reward per card issued by referrals | |||
| Support | |||
| Email support | |||
| Priority email with response-time SLA | |||
| Dedicated account manager | |||
Exact fees, percentages and allowances for every plan are published on the in-app fee schedule before you transact. You will always see the full breakdown of any charge before you confirm it.
Referral rewards
Get paid when the people you refer transact
Every plan includes the referral programme. Share your link, and earn from the activity of the accounts you bring in — automatically, in real time.
A share of their fees
Earn a percentage of the fees paid by users you refer. Your share grows with your plan tier — Premium earns our highest share.
Flat rewards per card
Receive a fixed reward each time a referred user issues a card, on top of your ongoing fee share.
Paid to your balance
Rewards land directly in your ECardPay balance with an itemised record of every referred transaction.
Questions
Pricing questions, answered
Plan charges are billed on the first of each month. If you choose annual billing, you are charged once a year and save around 15% compared with paying monthly.
Full fee schedule published in-app at sign-up.
Ready to move money without borders?
Open your ECardPay account in minutes. Verify once, then issue cards, open currency accounts and send payouts worldwide.