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Fee Structure Overview

To help you better understand Fluidkey's fees and how they are charged, we've prepared this overview. It covers the fee structures for on-chain gas fees, fiat deposits and withdrawals, Auto-Earn, and tokenized U.S. stock trading, so you can use Fluidkey's services with full confidence.

On-Chain Transaction Fees (Gas Fee)

Sending a transaction on-chain incurs a transaction fee. Fluidkey's current fee coverage across each blockchain is as follows:

  • Base / Polygon / BNB / Arbitrum / Gnosis / Optimism: 20 fee-free transactions per day, sponsored by Fluidkey.
  • Ethereum Mainnet: Fees are charged at the amount displayed in the interface at the time of the transaction.

Please note that transaction fees fluctuate with on-chain congestion at the time of the transaction. The amount shown in the interface is authoritative.

For more on on-chain transfers, see: Sending Funds

Fiat Deposits and Withdrawals

On Fluidkey, USDC and USDT are both valued 1:1 with the U.S. dollar. Once a transaction is sent, fiat conversion is completed by our banking partner, Bridge.

Fluidkey provides every user with a fee-free bank transfer allowance of $3,000 per month. Select users and Frontier members are entitled to a fee-free allowance of $20,000 per month. The allowance is calculated per calendar month, with withdrawals and deposits counted together. For example, a $1,500 transfer out and a $1,500 transfer in together use the full $3,000 allowance.

Amounts exceeding the monthly fee-free allowance are subject to a 0.3% fee.

Please note: if you choose to deposit or withdraw using USDT, Bridge applies an additional 0.1% fee during conversion (this fee is charged directly by Bridge, not by Fluidkey). No such fee applies when using USDC.

For more on fiat deposits and withdrawals, see: Bank Transfers

Auto-Earn: Free

Fluidkey's Auto-Earn feature lets you earn yield on selected tokens as soon as they are deposited into your account.

Fluidkey does not charge any fees on Auto-Earn. The APYs and amounts shown in Auto-Earn reflect what you actually receive. Should any fees apply in the future, they will be disclosed in our documentation.

For more on Auto-Earn, see: Earn

Tokenized U.S. Stock Trading: Free

During the promotional period, no transaction fees are charged beyond on-chain network fees. More information will follow.