Opening and maintaining an account
Opening and maintenance fees :
| Account creation | $0 | One time account setup fees. |
| Monthly fees | $ 0 | Recurrent monthly charges |
Spend or send money
| using your balance Vault Pay accounts | $0.00 | No fee for between accounts transfers. |
| Sending money to people (using Vault Pay balance) | 0.0% | For sending money to people using your Vault Pay Balance. |
| Sending money to people (using your Visa bank account) | $0 - $2 | International transfer fee to send money to bank account using your Vault Pay wallet |
Pay & Add money to your account
| Transfer from bank account | $0.00 | No fee when you link your bank and use it to add money to your Vault Pay account. |
| Receive money in your personal Vault Pay account from Vault Pay users ACH | $0.00 | No fee for you when Vault Pay users send you payments with Vault Pay balance. |
| Receive payments from U.S bank Account | $0.00 | No fee for you when you receive payments using U.S bank account |
| Receive money using Direct Deposit | $0.00 | No fee for when money is added using Direct Deposit |
| Pay online with Visa Virtual Classic | 2% above $100 USD (or $2 below 99 USD) | There's a 2.00% fee above 100 USD (with a minimum fee of $1.00) when you withdraw from Vault Pay Balance to Visa Classic |
| Adding money using cash a check feature (faster check deposits, all other accepted check types) | 5.00% (minimum $5 fee) | There's a 5.00% fee (with a minimum fee of $5.00) when you choose to deposit non-payroll and non-government checks (with pre-printed signature) in minutes using the Vault Pay app. No fee if your check can't be added. |
| Receive payments in your business profile, in your charity profile, or that are identified as for goods and services | 1.9% + $0.10 | There's a seller transaction fee or a charity transaction fee when you receive a payment sent to your business profile, your charity profile, or that is identified by the sender as for goods and services. |
Transferring money from to Vault Pay Pay Physical Balance to VISA/MASTERCARD VIRTUAL CARDS
MASTERCARD CLASSIC CARDS
| Load card: No Fees |
| Unload card : 1$ + 0.30 USD |
VISA MASTERCARD SILVER CARDS
Load cards : 3%
Unload cards: No Fees
| fees are applicable to transfer money from your Vault Pay account to your VISA Classic card account with the standard option. The money is typically available in 1-2 minutes. | ||||
| Unload Card (standard) |
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Buying or selling cryptocurrencies
| Cryptocurrency trade is not available yet | ||
More information
You purchased an item described as authentic, but received a knockoff
| Declined transaction | $0.30 | Keep your spending card charged to avoid declined transactions |
| Customer service (live agent) | $0.00 | No fee to call a Customer Service agent. |
| Real-time alerts | $0.00 | No fee to receive real-time alerts on your phone. Standard text message & data rates may apply. |
| Account statements | $0.00 | No fees for CSV copies of your account statements. |
| Visa Classic cards Transaction declines due to insufficient funds | $0.30 | for declines due to insufficient funds. |
Using the Vault Pay VISA Debit card®
You purchased an item described as authentic, but received a knockoff
| Vault Pay MasterCardClassic Debit Card acquisition | $20.00 | Per each card. |
| ATM NFC withdrawal (in-network) | $0.00 | No fees for ATM withdrawals in the MoneyPass network. Find no-fee ATMs near you at www.moneypass.com. |
| ATM NFC withdrawal (out-of-network) | $2.50 | There’s a fee for non-MoneyPass ATM withdrawals. You may be charged an additional amount by the ATM owner even if you don’t complete a transaction. |
| ATM balance inquiry | $0.00 | No fee to check your balance at an ATM. You may be charged a fee by the ATM owner. |
| Over-the-counter cash withdrawal (bank and other financial institution) | $3.00 | $3.00 per signature withdrawal if a signature is required to obtain cash. You can withdraw cash at the counter inside participating bank branches or other financial institutions. The fee is charged per signature withdrawal if a signature is required to obtain cash. |
| Automatic reloads (using your bank account) | $0.00 | No fee for reloading your Vault Pay balance when your Vault Pay balance is insufficient to cover a purchase made with your Vault Pay Debit Card. |
| Vault Pay VISA Debit Card replacement | $5.00 | fee to replace your suspended or blocked Vault Pay Mastercard. |
Table of rates and fees
| All fees for Vault Pay card. | |
|---|---|
| Card order 15 USD shipping included. | Vault Pay Prepaid card NFC card accepted where Vault Pay is available in USD & local Currency. |
| Pay in store/online | From 1 to 100 USD | 1% fees are applicable on the Prime Rate. on the Prime Rate. on the Prime Rate. on the Prime Rate. on the Prime Rate. on the Prime Rate. on the Prime Rate. on the Prime Rate. on the Prime Rate. on the Prime Rate. |
| Pay online internationally | Not applicable |
| Load the card | Free of charge |
| Fees | |
|---|---|
| Annual fees | $10 USD |
| Transaction fees Cash advances | Either $10.00 or 5% of the amount of each cash advance, whichever is greater. |
| Transaction fees Foreign transaction | Not applicable |
| Penalty fees Late payment Returned payment | $0 |
| How we will calculate your balance | We use a method called "daily balance". See the Vault Pay credit card agreement for details. |