CREDITS DEBIT CARD Transfer money internationally
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | €5 |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | UP TO 2%+€0.60 |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $0 |
| DAILY LIMIT | NOT DISCLOSED |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | €9.99/MO |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | UP TO 2%+€0.60 |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $0 |
| DAILY LIMIT | NOT DISCLOSED |
Non-active card fee: €5/month on Standard if your card sits unused while not meeting the free conditions.
SEPA withdrawal: 0.4% min €5 on Standard.
SWIFT withdrawal: 0.5% + €60 on Standard.
Withdrawal to external card: 4% + €4 flat.
Compliance review: €450 per transaction for business accounts.
Domestic = EU/EEA only, any non-EU card transaction is "international" and hits the €0.60 + 2% fee.
THE REAL STORY ON THIS CARD.
- Free card and IBAN
- VISA or Mastercard, both networks available
- No annual fees
- Apple Pay and Google Pay supported
- 40+ crypto supported
- 20+ fiat currency accounts
- EUR IBAN with SEPA and SWIFT
- Crypto interest
- No lock-up on interest accounts
- PCI DSS certified, regulated in EU
- 100+ countries available
- Internal on/off-ramp
- Virtual card only
- Steep SEPA withdrawal fees (0.4% min €5 on Standard)
- Very high SWIFT withdrawal fees (0.5% + €60)
- Card top-up via VISA/MC costs 3%
- Withdrawal to external card costs 4% + €4
- Cashback still "coming soon"
- Custodial wallet
- Free tier requires meeting monthly activity thresholds
- ATM limits not disclosed
GENERAL QUESTIONS.
Credits is a financial wallet which combines many services in one place: debit cards, dedicated, current accounts, payments and cryptocurrency services.
All these products are integrated into a single Credits Wallet, saving users both time and money.
First, download the Credits’ App for Apple, Android, or use the Web App. Then, verify your identity to open an IBAN account and Debit card with Credits. The entire process is online.
Money in individual IBAN accounts is protected by European legislation and is kept segregated from company assets. Only customers have access to their money.
Incoming transactions are free.
External transfers in Euros via SEPA cost 0.50 euros per payment. See all the fees
https://credits.com/en/fees/
