> 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/using-bxpay/pricing-and-fees.md).

# Pricing & Fees

## **Key Fees & Conditions**

* **Top-Up Fees** – Fees vary based on processing methods and partner networks.
* **ATM Withdrawal Fees** – Applied per transaction.
* **Exchange Rates** – Based on the [**Visa® foreign exchange calculator**](https://www.visa.com.ph/support/consumer/travel-support/exchange-rate-calculator.html)
* **Subscription & Tiers** – Rewards may include reduced fees or promotional benefits, **subject to program terms**.

## **BXpay Card prices** :credit\_card:

| **Plan**       | **One-Time Opening Fee** | **Annual Fee (from Year 2 onwards)** | **Total Cost – Year 1** | **Total Cost – Year 2+** |
| -------------- | -----------------------: | -----------------------------------: | ----------------------: | -----------------------: |
| ⚡ **Velar**    |                      $49 |                                  $30 |                 **$49** |           **$30 / year** |
| 💳 **Ascend**  |                     $699 |                                 $100 |                **$699** |          **$100 / year** |
| 🏦 **Legatus** |                   $2,499 |                                 $500 |              **$2,499** |          **$500 / year** |

### **Card Features & Limits** 📊

| **Feature**                          |   **Velar** |    **Ascend** |   **Legatus** |
| ------------------------------------ | ----------: | ------------: | ------------: |
| **Crypto Deposit Fee**               | 3**%** | 2.8**%** | 2.8**%** |
| **Fiat Deposit Fee**                 |      **5%** |      **2.8%** |      **2.8%** |
| **POS / Online Purchase Fee**        |      **3%** |        **3%** |        **3%** |
| **ATM Withdrawal Fee**               |      **3%** |        **3%** |        **2%** |
| **Transfer to External Wallet**      |      **1%** |        **1%** |        **1%** |
| **Transfer to External Bank**        |   **1.50%** |      **0.8%** |      **0.8%** |
| **Card Replacement (Virtual)**       |          $5 |            $5 |            $3 |
| **Card Replacement (Plastic/Metal)** |         N/A |           $80 |          $200 |

***

## **Load & Transaction Limits** 💰

| **Limit Type**                    | **Velar** | **Ascend** | **Legatus** |
| --------------------------------- | --------- | ---------- | ----------- |
| **Max Load Capacity**             | Expanded  | Expanded   | Expanded    |
| **Min Stored Value**              | $0        | $0         | $0          |
| **Max Value per Transaction**     | $5,000    | $100,000   | $250,000    |
| **Max Daily Transaction Value**   | $10,000   | $500,000   | Expanded    |
| **Max Monthly Transaction Value** | $50,000   | Expanded   | Expanded    |
| **Transaction Count (Monthly)**   | Expanded  | Expanded   | Expanded    |
| **Max ATM Withdrawal (per day)**  | $1,000    | $3,000     | $8,000      |

***


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