What fees does my neobank charge?

Neobank pricing is built around what you actually do, not a one-size-fits-all monthly subscription. You’ll see charges only when you make a specific type of transaction. This keeps costs low if you rarely move money across borders or need same-day settlement. The full fee schedule is always available in your account, and every charge appears clearly on your statement before it’s applied.

The most frequent neobank charges come from a handful of services. International transfers involve a small percentage-based fee, while out-of-network ATM withdrawals have a per-use cost after your free monthly allowance. Faster payments or currency conversion also carry a modest markup. If you rarely use these services, you may never see a charge at all. Our AI agent can instantly break down what any action would cost before you confirm the transaction.

We designed our fee model so you never stumble onto hidden neobank fees. There are no account opening fees, maintenance fees, or surprise service charges. Everything that triggers a cost is disclosed upfront. The same clarity extends to the AI agent on our site—it draws its answers directly from the same document that defines our fee rules. You get the facts, not assumptions.

Our support widget runs on Chatref’s ai-agents technology, which means you can ask any fee question in plain language. The agent answers from the same content our team uses—no hallucinations, no generic web searches. Want to know your next international transfer fee? Ask in the chat and get a direct, grounded response in seconds.

We use Chatref’s insights feature to spot which fee questions come up most often. When the data shows that a particular charge confuses customers—like out-of-network ATM limits—we update our help content and prompt the agent to explain it more clearly. It’s a continuous loop: your questions shape what we improve next.

Are there monthly fees for a neobank account?
No. All standard accounts are free to open and maintain. There are no monthly subscription or maintenance fees. You only pay when you use a paid service, and you can see every possible charge in our published schedule.

What are the international transfer fees for my neobank?
We charge a flat 0.5% of the transfer amount, with a $2 minimum. Transfers sent in the same currency as the receiving account are fee-free. The exact fee is shown in-app before you confirm the transfer.

Does my neobank charge ATM fees?
You get three free out-of-network ATM withdrawals each month. After that, a $1.50 fee applies per withdrawal. Using an ATM outside our partner network may also incur a surcharge from the ATM operator, which is shown on-screen before you proceed.

Are there any penalties for closing a neobank account early?
None. You can close your account at any time with no penalty. Any remaining balance will be transferred to your linked external account at no cost, and all transaction history remains available to download for your records.