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Business Fees - BESPOKE

Last Updated: July 24, 2024

Open your custom business account. Select the subscription designed for you. Adjust or cancel anytime.

BESPOKE SUBSCRIPTION - EEA

1. Subscription

SUBSCRIPTION FEE

Custom.

2. Add Funds

ADD MONEY

Add money by bank transfer to your home account.

  • Free.

3. Cards

FIRST INCARD CARD

  • Free.

A Custom number of Regular Incard cards is free.

Outside of your custom plan allowance, we charge a €9.99 fee per additional Regular Incard Card.

INCARD METAL CARD

  • Free.

As a user under the CUSTOM plan, your custom number of Incard Metal Card is free.We charge a €69 fee per additional Incard Metal Card.

VIRTUAL INCARD CARD

  • Free.

A custom number of Virtual Incard Cards is free. Outside of your plan allowance, we charge a €2 fee per extra Virtual Incard Card per month.

4. Transfer Without Borders

TRANSFER TO INCARD ACCOUNTS

  • Free.

LOCAL PAYMENTS

  • Free.

A custom number of local payments is free. This means payments in your base currency that are sent to an account in your country. Outside of your plan allowance, we charge a €0.30 fee per local payment.

PAYMENTS WITHIN THE SINGLE EUROPEAN PAYMENT AREA

  • Free.

This means payments in euros that are sent to an account outside your country but inside the Single Euro Payments Area (known as "SEPA").

We count payment in SEPA as a local payment, A custom number of local payments is free. Outside of your plan allowance, we charge a €0.30 fee per local payment.

INTERNATIONAL PAYMENTS & SWIFT SHA

  • Free.

As a user under the CUSTOM plan, a custom number of international payments is free. Outside of your plan allowance, we charge a €5 fee per international payment. You will always see the fee in the app before confirming the transfer.

SWIFT OUR

  • €20.

If you select the option “OUR” when creating a SWIFT payment, we charge a €20 fee per payment. When making an international payment, intermediary banks may deduct fees from the amount you send. Our “OUR” feature lets you pay a flat upfront fee, ensuring the recipient receives the full amount. This replaces the standard international payment fee.

The fee amount depends on your base currency and may change over time, but you will always see the current fee in the app before confirming the transfer. You can view our current fees and the available routes for this feature on our pricing page here.

5. Exhange

CURRENCY EXCHANGE

  • Free.

As a user under the BESPOKE plan, when you exchange currencies with Incard, you have no mark-up up to a custom amount, which means that you can exchange funds at the interbank rate.

Above this free allowance, the applicable rate includes the following components:

  • The interbank rate.

  • A 0.6% fee during market hours and a 1% fee outside market hours.

Whenever possible, the rate, any applicable fees, and the total cost will be displayed in the app before you make an exchange. The only exception is when you make a card purchase that requires a real-time currency exchange (for example, if you make a purchase in USD but don't have enough USD in your USD balance, necessitating an immediate conversion). In such cases, the total cost cannot be shown in advance, but you will be able to view a detailed breakdown of the cost in the app after the transaction.

6. Spend

CARD PAYMENT

  • Free.

ATM WITHDRAWAL DOMESTIC

  • 2%.

A 2% fee applies to domestic ATM withdrawals. Some merchants in certain countries may charge an extra fee for card payments, which will be disclosed at the time of purchase.

ATM WITHDRAWAL INTERNATIONAL

  • 2.5%.

A 2.5% fee applies to international ATM withdrawals. In some countries, additional fees or surcharges may be imposed by the ATM provider or financial institution, which we do not control or know about.

FX FEE (MARK-UP ON THE VISA RATE*)

  • 0%

A fee applies to all transactions (payments and withdrawals) made in a currency different from the Card's currency. *The Visa Rate is the exchange rate used by Visa for currency conversions. You can check it here: Visa Exchange Rate Calculator.

CHARGEBACKS

  • €25.

This fee is not charged when the chargeback proves to be genuine.

7. Users

USER SEATS

  • Free.

As a user under the BESPOKE plan, a custom number of User Seats is free. Outside of your plan allowance, we charge a €12 fee per additional User Seat per month.

8. Integrations

PLATFORM INTEGRATIONS

  • Free.

As a user under the BESPOKE plan, you can integrate a custom number of platforms and/or banks for free. We will charge a €5 fee per extra connection per month.

9. Rewards

CASHBACK REVENUES

  • 0.5%.

We offer 0.5% cashback on points earned from eligible purchases. Please refer to the reward policy for more details. There is no limit to how much you can earn.

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