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No card issuance fee, no annual fee
<b>You do not need to pay any card issuance fees, annual fees, or transaction fees for purchases.</b> There is only a 1% top-up fee. There may be a minor fee for foreign exchange. Here is a detailed breakdown:
<b>You do not need to pay any card issuance fees, annual fees, or transaction fees for purchases.</b> There is only a 1% top-up fee. There may be a minor fee for foreign exchange. Here is a detailed breakdown:
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Top-up fee
The top-up fee is 1%. For instance, if you deposit 100 USDC, a 1 USDC top-up fee applies, so you will receive 99 USD on your card.
If you choose to top up in a fiat currency other than USD, the amount will be converted in real-time based on the current exchange rate. For example, if you choose RMB and deposit 100 USDC, after the 1% top-up fee, the remainder will be converted to RMB at the current rate.
All fees and rates are clearly shown on the top-up page.
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Spending fee
There are no extra transaction fees when you use the card for purchases. However, if your transaction involves currency conversion, it will be settled at the real-time exchange rate, which may lead to a small forex difference (usually around 1%).
E.g., If your card holds 100 USD and you make a purchase of 100 RMB, the amount will be converted from USD to RMB at the real-time rate (usually around 1%). If your card holds 100 RMB and you spend 100 RMB, the amount is deducted 1:1 from your RMB balance.
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Foreign exchange rate
During currency exchange, your card uses the current real-time rate. There may be a small difference compared to the official market rate, usually around 1%.
To avoid unnecessary forex losses, we recommend topping up your card with the currency you use most often. <b>For example, if most of your card spending is in USD, it is best to top up directly in USD.</b>
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Foreign exchange rate
E.g., if you top up in RMB, your USD will be converted to RMB, and if you later need to pay for a USD transaction (like a ChatGPT subscription), your RMB will be converted back to USD, resulting in two rounds of forex fees.
If you top up with 100 USD, after the 1% top-up fee, you get 99 USD. If you then spend RMB, your USD will be converted to RMB, possibly incurring forex loss.
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Other fees
When using the card to pay via WeChat or Alipay, if a single transaction exceeds 200 RMB, a 3% fee will be charged by the payment platform (not by Bitget Wallet or the card issuer).