Inside our fee model: what you actually pay
One service fee, paid from your wallet, never added to the card charge. Here's how it breaks down by product and plan.
Fees are one of the most common questions we get, and the answer is simpler than most card-to-crypto services make it look. There’s exactly one fee type per order, and it never touches your card charge.
The service fee comes out of your wallet, not your card
Your card is charged the exact amount you asked to buy or cash out — nothing more. The service fee is deducted separately from your CardBit wallet balance, which you fund by sending BTC or USDT ahead of time. This is the whole reason the wallet exists: it’s not a place to store savings, it’s how service fees get paid without inflating the card charge.
The rates, by product
- Buy Crypto: service fee starts at 4%, depending on your plan.
- Card to Bank: service fee starts at 5%, plus a separate bank fee added to the card charge itself (this one is on the card charge, since it’s a real cost of the bank transfer).
- USDT purchases: a small asset fee on top of the service fee. Bitcoin purchases carry no asset fee.
Higher membership plans lower the service fee percentage and raise how much you can order per transaction. Your current rate and limits are always shown before you confirm an order.
Why it’s structured this way
Bundling the service fee into the card charge would make every order look more expensive than it is, and would mean the “amount you receive” and “amount charged” never quite match what you typed in. Taking it from the wallet instead means the card charge is always exactly the number you entered, and the wallet is the one place all the fee activity is visible.
What the wallet is for
To be clear: the wallet only exists to pay these fees. It’s funded by crypto top-ups, and referral rewards land there too — but it isn’t spendable as general-purpose balance until you’ve made at least one real deposit. See how Buy Crypto works for where the wallet fits into a full order.