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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, and EURC is valued 1:1 with the Euro. Once a transaction is sent, fiat conversion is completed by our banking partner, Noah.

Transfer Fees

Bank transfers may be subject to two separate fees:

  • Volume Fee: Every eligible user receives a $3,000 fee-free transfer volume allowance per calendar month, shared across deposits and withdrawals. Amounts exceeding your allowance are subject to a tier-based volume fee ranging from 0.10% to 0.30%.
  • Transfer Fee: ACH & SEPA transfers have no fixed transfer fee. SWIFT and Fedwire transfers cost $25 each, with monthly free transfer allowances based on your account tier.

Your account tier is determined by your average balance over the last 30 days and updates automatically. For detailed fee rates, tier requirements, and benefits, see: Bank Transfers

Welcome offer: Your first incoming bank transfer within 30 days of account opening is free of all fees. Outgoing transfers are not included.

Auto-Earn

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

The APYs and amounts shown in Auto-Earn reflect what you actually receive, the amount you see is the amount you can spend. The displayed yield is based on the lending pool's daily APY.

Fluidkey currently charges no fees on Auto-Earn, except for USDC on Base in the Yield profile. These funds are deposited through a Morpho fee wrapper, which takes 1% APY. This fee is already deducted from the APYs and amounts shown in the app.

If any other fees apply in the future, we'll disclose them 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.