Every plan, side by side

Yes. Adding money by bank transfer, ACH, RTP or FedNow costs 1% on Free, falling to 0.80% on Metal. Card top-up costs between 1.55% and 2%, because a card costs us roughly twice what a bank transfer does. Crypto arriving from an external wallet is free on every tier.

Sending to another SmashPay account is always free. Sending to an external wallet is free on anything over $500. Below that it is $1.99, and every paid tier includes some free withdrawals each month.

No. The conversion rate applies when money changes from one currency into another — dollars into pesos, for example. Swapping one dollar-denominated stablecoin for another does not change currency, so it carries its own rate instead.

Because nothing converts. You are paying for the rail, not for a currency exchange that did not happen.

Sending out by ACH takes one to three business days and costs $3. Instant arrives in seconds, any time, and costs 1.75% or less depending on your tier. A US wire is same-day during banking hours for $25. Money coming in is charged at 1% or less whichever rail it uses. Most people should use ACH to send unless the timing genuinely matters.

Converting between USD and local currency carries an all-in cost of 1.19% to 3.49%, depending on how much you send. That includes all fees, spreads and charges — no additional hidden fees apply to conversion, and the figure is shown to you before you confirm.

The top-up fee is charged when money moves onto your card — once, on the amount you load. The FX markup is charged when a purchase converts one currency into another. Load $1,000 on Premium and spend it all abroad and you pay 1.60% to load it and 1.0% on the conversion; spend it in the same currency you loaded and there is no FX markup at all.

Yes, but not where you can send it. The transfer itself is priced on the amount — 3.49% all-in on the smallest, down to 1.19% on the largest, and lower again to Mexico — and your tier then takes 10%, 15% or 20% off whatever that comes to. Every corridor is open on every tier including the free one, because where your money needs to go is not something a plan should decide.

No. Your USDC is held in your own self-custodial wallet. Nothing converts automatically, so a balance left alone stays the size you left it.

Nothing stops working. Staking pays your tier rate up to the balance shown and 4.25% above it, ATM withdrawals above your monthly allowance at 2%, and business conversion simply carries on at your plan's rate. There is no block and no penalty rate — the allowance is a discount that runs out, not a limit.

It gets cheaper the higher your tier, because a card that is manufactured, personalised and posted costs the same to make on every tier, and the higher ones carry more monthly fee to absorb it. Metal includes one. Premium is $15, Plus $25, and Free $35 plus shipping. Getting Premium and a card together costs $33 in month one — less than the card alone on Free. The virtual card is free on every tier and works from the moment you are approved, so nobody has to pay to start spending. The metal card is separate: $99 once, from a waitlist.

Because it is a physical object worth considerably more than a printed one, and charging for it once is cleaner than folding it into a monthly fee everyone pays whether they order it or not. It is a single charge, not recurring, and the Metal tier's monthly fee is the same whether you order the card or stay virtual. The metal card is also the one card you join a list for — it is made in batches, so you reserve one and we charge the $99 when yours is ready to ship. Every other card, virtual or plastic, you get on signing up.

It is arithmetic, and it is on the page above. Basic costs least up to about $19,000 of monthly conversion; Grow from there to $43,000; Scale above that. The exact crossovers are $19,231 and $43,333; the bands above round to the nearest thousand, so within a few hundred dollars of a boundary the two plans are within about a dollar a month of each other — it is not a decision to agonise over, and you can change plan whenever the arithmetic changes.

No. There is no monthly commitment to meet and no volume you have to reach — if you convert nothing in a month you pay the subscription and nothing else. That is unusual for this kind of account and it is deliberate.

Billing starts when you choose a paid plan. The account itself is free and there is nothing to pay to open one.

Yes. A card tier changes from the app and applies to the billing month you choose it in. A business rate follows your volume, so it moves on its own as you cross a tier. Your balance, cards and history stay where they are either way.

You are refunded what you paid less the monthly rate for each month you have used, and less any month in progress — so you give up the two months the annual price saved you, not the months you have not had. If that comes to nothing or less, no refund is due. Cancelling is done from the app and there is no penalty beyond that.

No. SmashPay is a financial technology company, not a bank. Your USDC is held in your own self-custodial wallet, and only you can authorise transactions from it. Balances are not deposits and are not FDIC-insured.