Fees
Bank Transfer

Incoming payment C2B

Prohibited

Incoming internal payment C2B

5,0 %

Incoming payment B2B

1,5 % min € 10

Internal payment

€ 0

Outgoing payment SEPA , incl.¹ Mass payouts

1,0 % min € 20

Outgoing payment SWIFT²

1,5 % min € 50

¹ SEPA transfers are eligible only within the European Economic Area (EEA).

² SHA — all additional correspondent bank charges paid by the recipient.

Cards

Visa

MasterCard

₽ (RUB) 5,0 % + 40 ₽

₽ (RUB) 5,0 % + 40 ₽

€ (EUR) 6,0 % + € 0,50

€ (EUR) 6,0 % + € 0,50

$ (USD) 6,0 % + $ 0,60

$ (USD) 6,0 % + $ 0,60

₸ (KZT) 6,0 % + ₸ 200

₸ (KZT) 6,0 % + ₸ 200

₴ (UAH) 6,0 % + ₴ 15

₴ (UAH) 6,0 % + ₴ 15

Payout rate (OCT), incl. Mass payouts

Visa

MasterCard

₽ (RUB) RF cards 2,8 % + 40 ₽

₽ (RUB) RF cards 2,8 % + 40 ₽

₽ (RUB) international cards 3,5 % + 400 ₽

₽ (RUB) international cards 3,5 % + 400 ₽

€ (EUR) 4,5 % + € 3

€ (EUR) 4,5 % + € 3

$ (USD) 4,5 % + $ 3

$ (USD) 4,5 % + $ 3

₸ (KZT) 4,5 % + ₸ 500

₸ (KZT) 4,5 % + ₸ 500

₴ (UAH) 4,0 % + ₴ 30

₴ (UAH) 4,0 % + ₴ 30
Fixed rate

Decline fee

€ 0,50; $ 0,60; 40 ₽; ₸ 250; ₴ 15

Refund fee

€ 3,00; $ 3,40; 240 ₽; ₸ 1 400; ₴ 90

Chargeback fee

€ 100; $ 120; 7 500 ₽; ₸ 50 000; ₴ 3 000
Local Payment Methods³
LATAMRateFixed rateSettlement fee
Argentina11,0 %€0,65€5
Brazil10,5 %€0,65€5
Chile10,0 %€0,65€5
Colombia10,0 %€0,65€5
Costa Rica10,0 %€0,65€5
Ecuador12,0 %€0,65€5
El Salvador11,0 %€0,65€5
Mexico10,0 %€0,65€5
Panama10,0 %€0,65€5
Peru10,0 %€0,65€5

 

³ Please, note that some alternative payment methods in specific countries might be subject to availability depending on your business model and pre-approval might be required.

Maintenance Fees

Account opening

€ 1000

Monthly fee

€ 350

IBAN set up fee

€ 750

IBAN monthly fee

€ 150

Minimum account balance⁴

€ 1500

Account closure

€ 1000
Currency Exchange

Fiat currency exchange fee⁵

1,0 %

Cryptocurrency exchange fee⁶

1,5 %
Settlement Fees and Charges

Rolling reserve

10% for 180 days

Hold

14 days

Settlement cycle

Weekly

Settlement currency⁷

EUR/RUB/KZT

Settlement fee⁸

1% min € 100

High-risk compliance fee

+ 1,0 %

⁴ Refunded after account closure.

* All fees indicated in EUR at the beginning of the billing operation.

* Additional fees and conditions may apply according to General Terms & Conditions

⁵ Indicated upfront fees charged for each currency exchange operation.

⁶ Exchange rates are set by Kraken.

⁷ Due to cross-border payments regulations in different regions of the acquiring banks an FX difference between the processed amounts and settlement amounts may occur.

Excessive chargeback extra fee

if monthly CB volume > 0,5 % and/or CB count > 30

€ 150; $ 180; ₽ 10 000; ₸ 70 000; ₴ 4500

if monthly CB volume > 1,0 % and/or CB count > 75

€ 300; $ 360; ₽ 20 000; ₸ 140 000; ₴ 9000

if monthly CB volume > 1,5 % and/or CB count > 100

€ 500; $ 600; ₽ 36 000; ₸ 240 000; ₴ 15000
Bank Transfer

Incoming payment C2B

Prohibited

Incoming internal payment C2B

5%

Incoming payment B2B

1,0 % min € 10

Internal payment

€ 0

Outgoing payment SEPA , incl.¹ Mass payouts

1,0 % min € 20

Outgoing payment SWIFT²

1,0 % min € 50

¹ SEPA transfers are eligible only within the European Economic Area (EEA).

² SHA — all additional correspondent bank charges paid by the recipient.

Cards

Visa

MasterCard

₽ (RUB) 4,5 % + 8 ₽

₽ (RUB) 4,5 % + 8 ₽

€ (EUR) 7,0 % + € 0,10

€ (EUR) 7,0 % + € 0,10

$ (USD) 7,0 % + $ 0,12

$ (USD) 7,0 % + $ 0,12

₸ (KZT) 6,0 % + ₸ 40

₸ (KZT) 6,0 % + ₸ 40

₴ (UAH) 6,0 % + ₴ 3

₴ (UAH) 6,0 % + ₴ 3

(INR) 9,0% + 40

₹ (INR) 9,0% + ₹ 40

A$ (AUD) 9,0% + A$ 0,52

A$ (AUD) 9,0% + A$ 0,52

Payout rate (OCT), incl. Mass payouts

Visa

MasterCard

₽ (RUB)  RF cards 2,5 % + 30 ₽

₽ (RUB) RF cards 2,5 % + 30 ₽

₽ (RUB)  International cards 3,5 % + 300 ₽

₽ (RUB)  International cards 3,5 % + 300 ₽

€ (EUR) 3,5 % + € 3

€ (EUR) 3,5 % + € 3

$ (USD) 3,5 % + $ 3

$ (USD) 3,5 % + $ 3

₸ (KZT) 3,5 % + ₸ 500

₸ (KZT) 3,5 % + ₸ 500

₴ (UAH) 3,0 % + ₴ 30

₴ (UAH) 3,0 % + ₴ 30
Fixed rate

Decline fee

€ 0,50; $ 0,60; 40 ₽; ₸ 250; ₴ 15

Refund fee

€ 3,00; $ 3,40; 240 ₽; ₸ 1400; ₴ 90

Chargeback fee

€ 100; $ 120; 7 000 ₽; ₸ 50 000; ₴ 3 000
Local Payment Methods³
LATAMRateFixed rateSettlement fee
Argentina11,0 %€0,65€5
Brazil10,5 %€0,65€5
Chile10,0 %€0,65€5
Colombia10,0 %€0,65€5
Costa Rica10,0 %€0,65€5
Ecuador12,0 %€0,65€5
El Salvador11,0 %€0,65€5
Mexico10,0 %€0,65€5
Panama10,0 %€0,65€5
Peru10,0 %€0,65€5

 

CISRatePayoutSettlement
Webmoney9 % + € 0,502,0 %⁴1,5 %⁵

³ Please, note that some alternative payment methods in specific countries might be subject to availability depending on your business model and pre-approval might be required.

⁴ max 50 EUR/USD

⁵ min € 100

Currency Exchange

Fiat currency exchange fee⁶

1,0 %

Cryptocurrency exchange fee⁷

1,5%
Maintenance Fees

Account opening

€ 1000

Monthly fee

€ 350

IBAN set up fee

€ 750

IBAN monthly fee

€ 150

Minimum account balance⁸

€ 1500

Account closure

€ 1000
Settlement Fees and Charges

Rolling reserve

10% for 180 days

Hold

14 days

Settlement cycle

Weekly

Settlement currency9

EUR/RUB/KZT

Settlement fee10

 

1% min € 100

High-risk compliance fee

+ 1,0 %

⁶ Indicated upfront fees charged for each currency exchange operation. Exchanges rates are set daily.

Exchange rates are set by Kraken.

⁸ Refunded after account closure.

9 Due to cross-border payments regulations in different regions of the acquiring banks an FX difference between the processed amounts and settlement amounts may occur.

10 Is not applied for settlements to Polydirection account.

* All fees indicated in EUR at the beginning of the billing operation.

* Additional fees and conditions may apply according to General Terms & Conditions

Excessive chargeback extra fee

if monthly CB volume > 0,5 % and/or CB count > 30

€ 150; $ 180; ₽ 10 000; ₸ 70 000; ₴ 4500

if monthly CB volume > 1,0 % and/or CB count > 75

€ 300; $ 360; ₽ 20 000; ₸ 140 000; ₴ 9000

if monthly CB volume > 1,5 % and/or CB count > 100

€ 500; $ 600; ₽ 36 000; ₸ 240 000; ₴ 15000
Individually !

EU
non-EU
Personal
Corporate
Current account
Account opening fee
Free
375 EUR
575 EUR
1075 EUR
Additional account opening fee
5 EUR
50 EUR
100 EUR
150 EUR
Internet account access management
Monthly maintenance fee
1 EUR
35 EUR
35 EUR
50 EUR
Minimum balance
None
250 EUR
250 EUR
750 EUR
Transaction verification code (TVC) reset
5 EUR
10 EUR
5 EUR
15 EUR
Prepaid Cards
Card issuance fee (one-time fee)
24 EUR
64 EUR
64 EUR
114 EUR
Monthly card fee
1.75 EUR
1.75 EUR
1.75 EUR
1.75 EUR
Card loading fee
5.75 EUR
0,25% (min. 5.75 EUR)
0,5% (min. 5.75 EUR)
0,5% (min. 5.75 EUR)
ATM/Cash Domestic
2.5 EUR
2.5 EUR
2.5 EUR
2.5 EUR
ATM/Cash International
1.1% + 2.75 EUR
1.1% + 2.75 EUR
1.1% + 2.75 EUR
1.1% + 2.75 EUR
POS purchases domestic
0.4 EUR
0.4 EUR
0.4 EUR
0.4 EUR
POS purchases international
0.75 EUR
0.75 EUR
0.75 EUR
0.75 EUR
Card Shipping:
Express shipping EU (2-3 days)
55 EUR
55 EUR
55 EUR
55 EUR
Express shipping Worldwide (3-5 days)
80 EUR
80 EUR
80 EUR
80 EUR
Regular post shipping (15-20 days)
15 EUR
15 EUR
15 EUR
15 EUR
Payment Fees
Incoming/Outgoing internal transfer within Polydirections
Free
Free
Free
Free
SEPA Incoming Transfer
Free
Free
Free
Free
SEPA Outgoing Transfer
3 EUR
3 EUR
5 EUR
5 EUR
SWIFT Incoming Transfer
0.2% min 10 EUR, max 100 EUR
0.2% min 10 EUR, max 100 EUR
0.2% min 10 EUR, max 100 EUR
0.2% min 10 EUR, max 100 EUR
SWIFT Outgoing Transfer
0.5% min 15 EUR, max 350 EUR
0.5% min 15 EUR, max 350 EUR
0.5% min 15 EUR, max 350 EUR
0.5% min 15 EUR, max 350 EUR
Other Fees
SWIFT/SEPA confirmation
15 EUR
30 EUR
15 EUR
30 EUR
Payment reversal fee
50 EUR
50 EUR
50 EUR
50 EUR
Account сlosing fee
50 EUR
100 EUR
150 EUR
250 EUR
Compliance audit
100 EUR
500 EUR
500 EUR
500 EUR
Official reference letter
10 EUR
15 EUR
15 EUR
25 EUR
Amendment request
15 EUR
25 EUR
15 EUR
25 EUR

EU
non-EU
Personal
Corporate
Current account
Open account
€ 575
€ 1075
Free
€ 375
Internet account access management
Monthly maintenance fee
€ 35
€ 50
Free
€ 35
Prepaid Mastercard
Number of prepaid cards per customer
Free
Free
Free
Free
Maximum monthly card top up amount
€ 10000
€ 10000
€ 10000
€ 10000
Card issuance and delivery by regular mail
€ 10
€ 10
€ 10
€ 10
Delivery by courier
€ 50
€ 50
€ 50
€ 50
Top up of the card from payment account fee
Free
Free
Free
Free
Withdrawal from card back to payment account
Free
Free
Free
Free
Purchases at POS and over Internet
Free
Free
Free
Free
Cash withdrawals at ATMs
2.00%, Min:2.00 €
2.00%, Min:2.00 €
2.00%, Min:2.00 €
2.00%, Min:2.00 €
Maximum daily cash withdrawal limit
€ 2000
€ 2000
€ 2000
€ 2000
Inactive card monthly fee
€ 0.85
€ 0.85
€ 0.85
€ 0.85
Foreign exchange fee over official Mastercard rate
2.50%
2.50%
2.50%
2.50%
Payment Fees
Incoming internal transfer
Free
Free
Free
Free
Outgoing internal transfer
€ 5
€ 5
Free
€ 5
SEPA Incoming Transfer
Free
€ 20
Free
Free
SEPA Outgoing Transfer
0.1% (min 30 € - max 100 €)
0.1% (min 50 € - max 100 €)
0.1% (min 30 € - max 100 €)
0.1% (min 30 € - max 100 €)
Incoming SWIFT payment
Free
€ 20
Free
Free
Outgoing SWIFT payment
€ 30
0.5% (min 60 € - max 350 €)
€ 30
0.5% (min 40 € - max 350 €)
Outgoing ELIXIR payment
€ 1
-
€ 1
-
Outgoing TARGET2 payment
€ 15
0.5% (min 60 € - max 350 €)
€ 15
0.5% (min 40 € - max 350 €)
Urgent (in addition to base tariff)
€ 20
€ 30
€ 20
€ 30
OUR (in addition to base tariff)
€ 20
€ 20
€ 20
€ 20
Payment to card in EUR
2.00%, Min: 5.00 €
2.00%, Min: 5.00 €
2.00%, Min: 5.00 €
2.00%, Min: 5.00 €
Payment to card in RUB
2.00%, Min: 300.00 RUB
2.00%, Min: 300.00 RUB
2.00%, Min: 300.00 RUB
2.00%, Min: 300.00 RUB
Other Fees
SWIFT/SEPA confirmation
€ 15
€ 30
€ 15
€ 30
Payment reversal fee
€ 50
€ 50
€ 50
€ 50
Account сlosing fee letter
€ 15
€ 500
€ 15
€ 500
Compliance audit
€ 500
€ 500
€ 100
€ 500
Official reference letter
€ 15
€ 25
€ 15
€ 25
Amendment request
€ 15
€ 25
€ 15
€ 25

Personal
Corporate
Individually !