Fee Schedule
Last updated: 27 September 2026
Personal plans
- Free
- $0 / month
- Plus
- $10 / month
- Premium
- $18 / month
- Metal
- $35 / month
Business plans
- Basic
- $19 / month
- Grow
- $69 / month
- Scale
- $199 / month
- Enterprise
- By quotation
Sending money abroad — by amount sent
- Up to $50
- 3.49%
- $50 – $300
- 2.49%
- $300 – $1,500
- 1.79%
- $1,500 – $5,000
- 1.39%
- $5,000 and above
- 1.19%
This is the whole cost of sending money abroad. The currency conversion is inside it, and no separate FX markup, transfer fee or recipient fee is added. The rate is set by the amount you send, before any discount your plan carries.
Sending money to Mexico — by amount sent
- Up to $50
- 2.89%
- $50 – $300
- 2.19%
- $300 – $1,500
- 1.49%
- $1,500 – $5,000
- 1.19%
- $5,000 and above
- 0.99%
Mexico is priced below the rates above at every band. Every other corridor we pay out to uses the rates above.
Sending money abroad — your plan's discount
- Free plan
- No discount
- Plus plan
- 10% off the rate
- Premium plan
- 15% off the rate
- Metal plan
- 20% off the rate
The rate for the corridor you are sending to is shown on its page and in the total you see before you confirm, and that total is what you pay.
Currency conversion on card spending
- Free plan
- 1.5%
- Plus plan
- 1.25%
- Premium plan
- 1.0%
- Metal plan
- 0.75%
This applies when a card purchase converts one currency into another. It is not charged on sending money abroad, which is priced above and includes its conversion.
Swap — personal plans
- Free plan
- 0.50%
- Plus plan
- 0.45%
- Premium plan
- 0.425%
- Metal plan
- 0.40%
Swap — business plans
- Basic plan
- 0.50%
- Grow plan
- 0.45%
- Scale plan
- 0.425%
- Enterprise plan
- by agreement
SmashX card — issuance
- Free plan
- $35
- Plus plan
- $25
- Premium plan
- $15
- Metal plan
- no issuance fee; the metal card itself is $99
SmashX card — top-up
- Free plan
- 2.0%
- Plus plan
- 1.75%
- Premium plan
- 1.60%
- Metal plan
- 1.55%
SmashX card — ATM withdrawal included each month
- Free plan
- none; the 2% applies from the first withdrawal
- Plus plan
- $300 a month
- Premium plan
- $1,000 a month
- Metal plan
- $3,000 a month
The allowance resets each month and does not roll over. Above it, the 2% below applies to the amount withdrawn. The operator of the machine may charge you separately; that is not our fee and is not in this Schedule.
SmashX card — other
- Virtual card issuance
- No fee, on every plan
- Express issuance
- $19.99
- Replacement card
- $9.99
- ATM withdrawals above your plan's allowance
- 2%
If a fee is not here
This Schedule is what SmashPay charges. If a cost is not set out above, it is not ours to charge: the total for any transaction is shown to you in full before you confirm it, and no fee applies that you were not shown. Third parties may charge you separately — the operator of a cash machine, an intermediary bank on a wire, or the network your recipient is paid over — and those are not SmashPay fees and are not in this Schedule.