Bankto

Fee Schedule

Latest update: January 01, 2024.

Bankto Wallet App

Cryptocurrency and Fiat Flows

Deposits:Fee
Crypto Deposits                                                               1.95% + Network fees
Card Fee (Fiat to Crypto)5.95%
Withdrawals:Fee
Crypto Withdrawals                                                               1.95% + Network fees
Bank TransferComing Soon
Virtual CardComing Soon
Exchanges:Fee
Buy cryptocurrency with Fiat currency1.5%
Sell cryptocurrency for Fiat currency1.5%

Enterprise Payment Widget

Consumer Processing Fees – C2B Payment Gateway

For Coins, StableCoins and Tokens

Incoming                                                                                                        1.95% + Network fees
Outgoing1.95% + Network fees
Crypto settlementSame day

Open Banking – Account Connect

Instant Deposits UK                                                                                              3.95%
Instant Deposits EU3.95%
Crypto settlementSame day

Card fees – Buy Fiat to Crypto

Card fee                                                                                5.95%

Bankto Enterprise Platform

Merchant onboarding fee EUR 2,500

Cryptocurrency and Fiat Flows

Deposits:Fee
Crypto deposit without exchange                                                                            1% *
Crypto deposit with exchange to cryptocurrency1% *
Crypto deposit with exchange to Fiat currency1.5% *
Fiat balance top up SEPA (EUR)1%
Fiat balance top up SEPA (GBP)1.5%
Fiat balance top up SWIFT1%
Withdrawals:Fee
Send crypto without exchange1%
Send crypto with exchange from Fiat currency1.5%
Send crypto with exchange from other cryptocurrency1%
Fiat currency withdrawal SEPA (EUR)1%
Fiat currency withdrawal SEPA (GBP)1.5%
Fiat currency withdrawal SWIFT1%
Exchanges:Fee
Buy cryptocurrency with Fiat currency                        1.5%
Sell cryptocurrency for Fiat currency1.5%
Exchange cryptocurrency to cryptocurrency1%
For Fiat Transfers – Deposits / WithdrawalsFee
Incoming bank deposit fee (SEPA)                                                0.15% with a minimum of €5
Incoming bank deposit fee (International)0.35% with a minimum of €30
Outgoing bank deposit fee (SEPA)0.5% with a minimum of €5
Outgoing bank deposit fee (International)0.5% with a minimum of €70
Minimum deposit amount (SEPA)                                                            €25.00
Minimum deposit amount (International)50.00
Minimum withdraw amount (SEPA)€100.00
Minimum withdraw amount (International)200.00
Fiat settlement (SEPA)                                 T+1
Fiat settlement (International)T+5

Calculation of Popular Cryptocurrency & Fiat Flows

 

Crypto Flow for deposits and withdrawals without exchange

Crypto deposit without exchange                  1%
Send crypto without exchange1%
Total fee2%**

Crypto flow for deposits with instant exchange and withdrawals without exchange

Crypto deposit with exchange to cryptocurrency1%
Send crypto without exchange1%
Total fee2%***

Crypto to Fiat Flow with the instant exchange and Fiat currency withdrawal

Crypto deposit with exchange to Fiat currency                  1.5%
Fiat currency withdrawal (SEPA)1%
Fiat currency withdrawal (SWIFT)1%
Total fee2.5%

Example: the user deposits 100 EUR in BTC with exchange on the fly to EUR, then the merchant withdraws EUR to SEPA / SWIFT account, the total fee for the transactions will be 2 EUR (SEPA) and 2.5 EUR (SWIFT).

* For all blockchains except TRON/TRC-20  we may charge technical network fee per transaction accordingly.

**Example: the user deposits 100 EUR  in BTC, then sends BTC to an external wallet the total fee for the transactions will be 2 EUR.

***Example: the user deposits 100 EUR in BTC and then withdraws 100 EUR in BTC, the total fee for the deposit and withdrawal transactions will be 2 EUR.

For new account enquiries please contact us at support@bankto.io

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