> For the complete documentation index, see [llms.txt](https://docs.axolot.org/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.axolot.org/axolot-products/products-overview/crypto-cards/cards-fees.md).

# Cards' Fees

The following fees apply to transactions and services: a 4% fee is charged for crypto transactions, and a 2% fee applies to SEPA and wire payments. Users are required to maintain a minimum card balance of 1 USD, and a fixed fee of 5 USD is charged for card issuance. A monthly maintenance fee of 2.50 USD applies starting from the second month of use. Declined transactions incur a fee of 0.60 USD.

Transaction fees vary depending on the amount: for transactions between 0 and 25 USD, a fee of 0.25 USD is charged; for amounts between 25.01 and 50 USD, a fee of 0.35 USD applies; and for transactions over 50 USD, a 0.50 USD fee is applied. Point-of-sale (POS) transactions are subject to a 0.50 USD fee, with a 1.5% FX fee for currency exchanges. Chargebacks incur a 40 USD fee, and the minimum transaction amount is 0.01 USD. The Cards have a maximum spend limit of 60,000 USD. The minimum top-up amount for Cards is 50 USD. The card is valid for one year and can be used with Apple and Google Pay. 3DS authentication is applied for secure transactions, and the card’s primary currency is USD. A 4% commission is applied on crypto transactions when the balance is transferred to the Card.


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.axolot.org/axolot-products/products-overview/crypto-cards/cards-fees.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.