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Fees and Limits EU/UK

Account fees

Fee typeValue Currency
Account set up 0–
Additional currency wallet set-up0–
Account monthly maintenance0–
Currency exchange* mark up 1%EUR/GBP/USD/PLN
Dormant account00
Account closure / redemption0–

* The exchange rate will be made at a wholesale market rate or Mastercard mandated rate and is subject to Mastercard mark-up. Spendbase charges 1% of the transaction amount. You can view the real-time percentage that will be charged for a foreign currency transaction on the Website or in the App. The same foreign exchange fee applies when you exchange currency between your accounts in different currencies or initiate a SWIFT payment from an account in one currency to a recipient account in another currency.

IBAN fees

Fee typeValue Currency
IBAN creation0–
Monthly IBAN maintenance fee, if different from account maintenance0–
Transfer Load return0–
Transfer Withdrawal return0–
Account closure / redemption0–
Incoming SEPA Credit0–
Incoming SEPA Instant Credit0–
Incoming SWIFT transfer 20GBP*
Incoming Faster Payments 0–
Incoming BACS Credit0–
Incoming CHAPS 0–
Outgoing SEPA Credit0–
Outgoing SEPA Instant Credit0–
Outgoing SWIFT transfer20GBP
Outgoing Faster Payments 0–

* A fee of £20 applies to both incoming and outgoing SWIFT transfers. For transfers in currencies other than GBP, the £20 fee will be converted into the transfer currency.

Card fees

Fee typeValue 
Virtual Card initial issuance£/€0
Additional Card issuance and/or Secondary Card issuance£/€0
Virtual Card replacement £/€0
Card maintenance, if different or additional to account maintenance fee£/€0
International POS£/€0
Domestic and EEA POS£/€0
Chargeback £35/€50

Limits

All limits are set in the applicable base currency and may vary in other currencies due to exchange rate fluctuations. 

Company size definitions:

  • Micro business — less than 10 employees, annual turnover under €2 million.
  • Small business — less than 50 employees, annual turnover under €10 million.
  • Medium-sized businesses — less than 250 employees, annual turnover under €50 million.
  • Enterprise businesses — more than 250 employees, annual turnover over €50 million.

Account Level

Overall limits for the entire company account across all currencies and payment methods.

Limit TypeSmall and MicroMediumEnterprise
Maximum annual load3,000,000 GBP6,000,000 GBP30,000,000 GBP
Maximum monthly load1,000,000 GBP2,000,000 GBP10,000,000 GBP
Maximum daily load200,000 GBP500,000 GBP1,000,000 GBP
Maximum single load200,000 GBP500,000 GBP1,000,000 GBP
Maximum balance at any given moment3,000,000 GBP6,000,000 GBP30,000,000 GBP

IBAN Level

Limit pool per IBAN type: EUR IBAN (SEPA), GBP IBAN (Faster Payments), MCCY IBAN (SWIFT). Values in each IBAN’s native currency, Multi-Currency IBANs value counts in USD.

All values are displayed in abbreviated format: M = million, K = thousand (e.g., 1.5M = 1,500,000; 300K = 300,000).

Limit TypeSmall and MicroMediumEnterprise
EURGBPMCCYEURGBPMCCYEURGBPMCCY
Max annual load3M EUR3M GBP3M USD6M EUR6M GBP6M USD30M EUR30M GBP30M USD
Max monthly load1M EUR1M GBP1M USD2M EUR2M GBP2M USD10M EUR10M GBP10M USD
Max daily load200K EUR200K GBP200K USD500K EUR500K GBP500K USD1M EUR1M GBP1M USD
Max single load200K EUR200K GBP200K USD500K  EUR500K GBP500K USD1M EUR1M GBP1M USD
Maximum balance at any given moment3M EUR3M GBP3M USD6M EUR6M GBP6M USD10M EUR10M GBP10M USD

Card Level

Values in each card’s native currency.

All values are displayed in abbreviated format: M = million, K = thousand (e.g., 1.5M = 1,500,000; 300K = 300,000).

Limit TypeSmall and MicroMediumEnterprise
EURGBPUSDPLNEURGBPUSDPLNEURGBPUSDPLN
Max annual spend1M1M1M4,2M5M5M5M21M10M10M10M42M
Max monthly spend300K300K300K1,25M1,5M1,5M1,5M6,3M3M3M3M12,5M
Max daily spend10K10K10K40K50K50K50K210K100K100K100K420K
Max single transaction10K10K10K40K50K50K50K210K100K100K100K420K