> For the complete documentation index, see [llms.txt](https://bxpay.gitbook.io/bxpay/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://bxpay.gitbook.io/bxpay/bxpay-debit-cards/bxpay-cards-and-fees.md).

# BXpay Cards & Fees

## 💳BXPay Plans, Pricing & Features

BXPay provides access to a range of card programs and account features supported through regulated banking partners.\
The sections below outline the platform fees, program benefits, and the usage parameters set by our partner institutions.

> **Important:** Banking services — including account creation and card issuance — are handled through licensed partner banks and service providers.\
> Availability, transaction limits, and onboarding requirements may vary by jurisdiction and partner policies.

### 🏷️ Plan Pricing

The fees below reflect BXPay’s platform access and program costs.\
Annual fees begin in Year 2.

<table data-header-hidden><thead><tr><th></th><th width="122"></th><th width="150"></th><th width="149"></th><th></th></tr></thead><tbody><tr><td><strong>Plan</strong></td><td><strong>Opening Fee</strong></td><td><strong>Annual Fee (from Year 2)</strong></td><td><strong>Total Year 1 Cost</strong></td><td><strong>Total Year 2+ Cost</strong></td></tr><tr><td>⚡ <strong>Velar</strong> (Virtual)</td><td>$49</td><td>$30</td><td>$49</td><td>$30 / year</td></tr><tr><td>💳 <strong>Ascend</strong> (Plastic + Partner Account Access)</td><td>$699</td><td>$100</td><td>$699</td><td>$100 / year</td></tr><tr><td>🏛️ <strong>Legatus</strong> (Metal + Partner Account Access)</td><td>$2,499</td><td>$500</td><td>$2,499</td><td>$500 / year</td></tr></tbody></table>

{% hint style="warning" %}
**Note:** Pricing includes program access and card issuance. Fees do not represent interest, custodial services, or traditional banking charges.
{% endhint %}

## ✨Features & Benefits

<table data-view="cards"><thead><tr><th align="center"></th><th><select><option value="OzxJ7WmLHr9f" label="Features" color="blue"></option></select></th><th></th><th><select><option value="5301Rk2nDOF9" label="Fees &#x26; Charges" color="blue"></option></select></th><th></th><th><select><option value="0QcPSQm6ptoM" label="Limits" color="blue"></option></select></th><th></th><th><select><option value="E1vhEYI0K8Nh" label="Best For" color="blue"></option></select></th><th></th><th data-hidden data-card-cover data-type="image">Cover image</th></tr></thead><tbody><tr><td align="center"><strong>Velar (Virtual)</strong></td><td><span data-option="OzxJ7WmLHr9f">Features</span></td><td><ul><li>Instant digital issuance</li><li>Designed for crypto-funded usage (no partner bank account)</li><li>No physical card</li><li>Supports online payments through available card networks</li></ul></td><td><span data-option="5301Rk2nDOF9">Fees &#x26; Charges</span></td><td><ul><li>Crypto Deposit Fee: 3%<sup><sub>(includes partner processing costs)</sub></sup></li><li>Fiat Deposit Fee: 5% <br><sup>(via supported channels)</sup></li><li>Transfer to External Wallet: 1%</li><li>Transfer to External Bank: 1.50% <br><sup><sub>(Network fees may apply depending on blockchain conditions.)</sub></sup></li><li>Card Replacement (Virtual): $5</li><li>Card Replacement (Plastic/Metal): ❌ Not available</li></ul></td><td><span data-option="0QcPSQm6ptoM">Limits</span></td><td><ul><li>Max Load Capacity: Unlimited</li><li>Max Transaction Count (Monthly): Unlimited</li><li>Max per Transaction: $5,000 <sup><sub>(Subject to partner bank approval and risk scoring.)</sub></sup></li><li>Max Daily Transaction Value: $10,000 <sup><sub>(Subject to partner bank approval and risk scoring.)</sub></sup></li><li>Max Monthly Transaction Value: $50,000</li><li>Max ATM Withdrawal: $1,000</li><li>ATM Withdrawal Fee: 3%</li></ul></td><td><span data-option="E1vhEYI0K8Nh">Best For</span></td><td>Freelancers, digital nomads, and users seeking a low-cost virtual payment solution</td><td><a href="/files/PSJ9GXLLEShuh4Fbw7cb">/files/PSJ9GXLLEShuh4Fbw7cb</a></td></tr><tr><td align="center"><strong>Ascend (Plastic Card + Partner Account Access)</strong></td><td><span data-option="OzxJ7WmLHr9f">Features</span></td><td><ul><li>Physical plastic card</li><li>Includes access to a bank account provided by BXPay’s licensed banking partner.</li><li>Supports fiat deposits, withdrawals &#x26; transfers through partner infrastructure</li></ul></td><td><span data-option="5301Rk2nDOF9">Fees &#x26; Charges</span></td><td><ul><li>Crypto Deposit Fee: 2.80% <sup><sub>(includes partner processing costs)</sub></sup></li><li>Fiat Deposit Fee: 2.80%<br><sup>(via supported channels)</sup></li><li>Transfer to External Wallet: 1%</li><li>Transfer to External Bank: 0.80% <sup><sub>(Network fees may apply depending on blockchain conditions.)</sub></sup></li><li>Card Replacement (Virtual): $5</li><li>Card Replacement (Plastic/Metal): $80</li></ul></td><td><span data-option="0QcPSQm6ptoM">Limits</span></td><td><ul><li>Max Load Capacity: Unlimited</li><li>Max Transaction Count (Monthly): Unlimited</li><li>Max per Transaction: $100,000 <sup><sub>(High-value transactions may require enhanced due diligence or compliance approval.)</sub></sup></li><li>Max Daily Transaction Value: $500,000 <br><sup><sub>(High-value transactions may require enhanced due diligence or compliance approval.)</sub></sup></li><li>Max Monthly Transaction Value: Unlimited</li><li>Max ATM Withdrawal: $3,000</li><li>ATM Withdrawal Fee: 3%</li></ul></td><td><span data-option="E1vhEYI0K8Nh">Best For</span></td><td>Entrepreneurs, high-volume professionals, traders</td><td><a href="/files/NeJC2fP8vOwRoT3DBLP2">/files/NeJC2fP8vOwRoT3DBLP2</a></td></tr><tr><td align="center"><strong>Legatus (Metal Card + Partner Account Access)</strong></td><td><span data-option="OzxJ7WmLHr9f">Features</span></td><td><ul><li>Metal card with access to partner-provided account services</li><li>Dedicated account support representative through BXPay.</li><li>Concierge services &#x26; VIP lounges/events</li><li>Large transaction limits available for approved users, subject to enhanced compliance review.</li><li>Multiple cards available upon request, subject to program limits. </li></ul></td><td><span data-option="5301Rk2nDOF9">Fees &#x26; Charges</span></td><td><ul><li>Crypto Deposit Fee: 2.80% <sup><sub>(includes partner processing costs)</sub></sup></li><li>Fiat Deposit Fee: 2.8%<br><sup><sub>(via supported channels)</sub></sup></li><li>Transfer to External Wallet: 1% </li><li>Transfer to External Bank: 0.8% <sup><sub>(Network fees may apply depending on blockchain conditions.)</sub></sup></li><li>Card Replacement (Virtual): $3</li><li>Card Replacement (Plastic/Metal): $200</li></ul></td><td><span data-option="0QcPSQm6ptoM">Limits</span></td><td><ul><li>Max Load Capacity: Unlimited</li><li>Max Transaction Count (Monthly): Unlimited <sup><sub>(Large transaction limits available for approved users, subject to enhanced compliance review.)</sub></sup></li><li>Max per Transaction: $250,000 <sup><sub>(Large transaction limits available for approved users, subject to enhanced compliance review.)</sub></sup></li><li>Max Daily Transaction Value: Unlimited <sup><sub>(Large transaction limits available for approved users, subject to enhanced compliance review.)</sub></sup></li><li>Max Monthly Transaction Value: Unlimited <sup><sub>(Large transaction limits available for approved users, subject to enhanced compliance review.)</sub></sup></li><li>Max ATM Withdrawal: $8,000</li><li>ATM Withdrawal Fee: 3%</li></ul></td><td><span data-option="E1vhEYI0K8Nh">Best For</span></td><td>High-net-worth individuals, businesses, luxury-focused users</td><td><a href="/files/1rg08nnGZlRt5AJTRcCi">/files/1rg08nnGZlRt5AJTRcCi</a></td></tr></tbody></table>


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