Fees
Clear pricing. No surprises.
Choose the plan that fits your life or your business. Whatever you pick, you’ll always see what something costs before you confirm.
Personal plans
Three plans for individuals. Every plan includes a personal IBAN and a free Visa debit card.
FYS
For your start
€8.90/ month
- Personal IBAN
- Visa Classic debit card
- €2,500 card limit per day and month
- 1 free virtual card
Signature
PopularFor everyday power users
€18.90/ month
- Personal IBAN
- Visa Platinum debit card
- €9,500 card limit per day and month
- 2 free virtual cards
- Lower transfer and FX fees
Ultimate
For the highest limits
€44.90/ month
- Personal IBAN
- Visa Infinite metal card
- No card spending limit
- 3 free virtual cards
- 1 partner account and card included
All personal fees
| Fee | FYS | Signature | Ultimate |
|---|---|---|---|
| Account & cards | |||
| Monthly plan fee | €8.90 | €18.90 | €44.90 |
| Account openingIncludes a personal IBAN | Free | Free | Free |
| Debit card (main account holder) | Free · Visa Classic, plastic | Free · Visa Platinum, plastic | Free · Visa Infinite, metal |
| Card spending limit | €2,500 per day and month | €9,500 per day and month | No limit |
| Card issuance & deliveryOne-time | €10.99 | Free | Free |
| Free virtual cards included | 1 | 2 | 3 |
| Partner accountOpening | — | — | 1 included, then €30 |
| Partner account & cardMonthly | — | — | 1 included |
| Transfers | |||
| Internal transfers (incoming & outgoing)Between OPM accounts, in EUR, CHF, AED and USD | 0.2% · min €2 | 0.2% · min €1.50 | 0.2% · min €1 |
| SEPA transfers (incoming & outgoing) | 0.5% · min €2 | 0.5% · min €1.50 | 0.5% · min €1 |
| SWIFT transfers — outgoingShared charges (SHA) | 2.00% · min €49 | 1.75% · min €29 | 1.00% · min €19 |
| SWIFT transfers — incomingPlus third-party bank charges at cost | 1.00% · min €10 | 0.80% · min €7.50 | 0.50% · min €5 |
| Rejected paymentAdministration fee | €39 + bank charges | €39 + bank charges | €39 + bank charges |
| Currency exchange & top-ups | |||
| Currency exchange (FX) | 3.50% | 3.00% | 2.75% |
| Top-up with a third-party card | 3.50% | 3.00% | 2.75% |
| Card top-up (AFT) | 3.75% · min €0.50 | 3.75% · min €0.50 | 3.75% · min €0.50 |
| ATM withdrawalPer withdrawal | €4.99 + 3.5% | €4.50 + 2.9% | €3.99 + 1.5% |
| Digital assets | |||
| Crypto exchange | 3.50% | 3.00% | 2.75% |
| Multi-wallet creation (non-custodial)BTC, TRON, ETH, BSC, Polygon and Solana | Free | Free | Free |
| Digital asset deposit (non-custodial) | Free | Free | Free |
| Digital asset withdrawal (custodial) | 0.25% | 0.15% | 0.05% |
| Digital asset to fiat (custodial) | 2.50% | 2.00% | 1.50% |
| Digital asset to digital asset (custodial) | 3.50% | 2.50% | 2.00% |
- Cards are issued in euro.
- Percentages apply to the transaction amount. Where a minimum is shown, the higher of the two applies.
Business plans
Three plans for companies. Every plan includes a business IBAN and a free Visa debit card for the account holder.
FYS Business
For micro businesses
€18.90/ month
- Business IBAN
- Visa Classic debit card
- €10,500 card limit per day and month
- SEPA transfers from €0.50
Signature Business
PopularFor medium businesses
€38.90/ month
- Business IBAN
- Visa Platinum debit card
- €20,500 card limit per day and month
- Employee cards from €2.50
- Lower SWIFT and FX fees
Ultimate Business
For large businesses
€78.90/ month
- Business IBAN
- Visa Infinite metal card
- No card spending limit
- 10 physical employee cards included
- 10 free ATM withdrawals
All business fees
| Fee | FYS Business | Signature Business | Ultimate Business |
|---|---|---|---|
| Account & cards | |||
| Monthly plan fee | €18.90 | €38.90 | €78.90 |
| Account openingIncludes a business IBAN | Free | Free | Free |
| Debit card (main account holder) | Free · Visa Classic, plastic | Free · Visa Platinum, plastic | Free · Visa Infinite, metal |
| Card spending limit | €10,500 per day and month | €20,500 per day and month | No limit |
| Card issuance & deliveryOne-time | Free | Free | Free |
| Employee card, physical — activation | — | €5.00 | First 10 free, then €2.50 |
| Employee card, physical — monthly | — | €5.00 | First 10 free, then €2.50 |
| Employee card, virtual — activation | — | €2.50 | Free |
| Employee card, virtual — monthly | — | €2.50 | Free |
| Transfers | |||
| Internal transfers (incoming & outgoing)Between OPM accounts, in EUR, CHF, AED and USD | 0.2% · min €0.50 | 0.2% · min €0.50 | 0.2% · min €0.50 |
| SEPA transfers (incoming & outgoing) | 0.2% · min €0.50 | 0.2% · min €0.50 | 0.2% · min €0.50 |
| SWIFT transfers — outgoingShared charges (SHA) | 2.00% · min €49 | 1.75% · min €29 | 1.00% · min €19 |
| SWIFT transfers — incomingPlus third-party bank charges at cost | 1.00% · min €10 | 0.80% · min €7.50 | 0.50% · min €5 |
| Rejected paymentAdministration fee | €39 + bank charges | €39 + bank charges | €39 + bank charges |
| Currency exchange & top-ups | |||
| Currency exchange (FX) | 3.50% | 3.00% | 2.75% |
| Top-up with a third-party card | 3.50% | 3.00% | 2.75% |
| Card top-up (AFT) | 3.75% · min €0.50 | 3.75% · min €0.50 | 3.75% · min €0.50 |
| ATM withdrawalPer withdrawal | €4.99 + 3.5% | €4.50 + 2.9% | 10 free, then €3.99 + 1.5% |
| Digital assets | |||
| Crypto exchange | 3.50% | 3.00% | 2.75% |
| Multi-wallet creation (non-custodial)BTC, TRON, ETH, BSC, Polygon and Solana | Free | Free | Free |
| Digital asset to fiat (custodial) | 2.50% | 2.00% | 1.50% |
| Digital asset to digital asset (custodial) | 3.50% | 2.50% | 2.00% |
- Cards are issued in euro.
- Percentages apply to the transaction amount. Where a minimum is shown, the higher of the two applies.
Shown before you pay
Any fee or exchange rate appears in the app before you confirm — never after.
No hidden charges
If it’s not on this page or in the app, you don’t pay it.
Change plans any time
Move between plans from the app whenever your needs change.
OPM is operated by GRID D EOOD (GRID D), UIC 208882057.
Questions, answered
You pay the percentage of the amount, or the minimum shown if that is higher. For example, a €100 SEPA transfer on FYS costs €2 (the minimum), because 0.5% of €100 is only €0.50.
Shared charges: you pay OPM’s fee, and the recipient’s bank may deduct its own fee from the amount received.
With a non-custodial wallet you hold the keys yourself. With custodial services, the assets are held on your behalf so you can exchange them within OPM.
Yes, from the app. A new plan applies from your next billing period.
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•••• •••• •••• 2048
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