Moonwell Card Fees

This page lists the fees for using your Moonwell Card. There are no monthly or annual fees; you only pay for loading, foreign exchange, and ATM withdrawals.

There's a 0.5% loading fee on every USDC amount you transfer to your card. For example, loading $1,000 costs $5.

USD purchases: Free. No additional fee when you spend in US dollars.

Non-USD purchases: A 1.5% foreign exchange fee applies to purchases made in other currencies. For example, if you spend 100 euros, a 1.5% fee applies to the USD equivalent.

ATM withdrawals cost 3% of the amount you withdraw. For example, withdrawing $100 costs $3.

Daily limits:

Monthly limits:

If you hit your daily limit, you can't withdraw more until the next day. Monthly limits reset on the first of each month.

The Moonwell Card uses standard Visa exchange rates for non-USD transactions.

These rates are competitive and reflect real-time market conditions. Your exchange rate is locked the moment you make the purchase, not when the transaction settles.

There are no monthly or annual card maintenance fees. You only pay for loading, foreign exchange, and ATM withdrawals.

All card-related issues and concerns about any unexpected fees should be directed to our card provider, Cypher. You can get in contact with their support team from their website.

Are there any hidden fees?

No. The fees above are the full set, with no monthly or annual maintenance fees.

When is the loading fee charged?

The 0.5% fee applies to each USDC amount you load, at the time you load it.

Questions about a charge?

If you see an unexpected charge, ask in the Moonwell Discord.