Cash Me — Pricing & Fees

Pricing plan

Cash Me flexible account plans

Simple, transparent pricing with no hidden fees. Every cost shown before you confirm — for personal users, families, and global businesses.

Basic — Personal

Free/ month

For individuals getting started with global banking. No local address required.

Account opening: €10–€25 one-time

✓ Multi-currency account — 25+ currencies

✓ 1 free virtual Mastercard — instant

✓ SEPA transfers — 0.30%, min €1

✓ EEA IBAN — €5 setup + €1/month

✓ App iOS, Android & Web

✓ Support EN · PT · ES

✗ Physical card

✗ non-EEA IBAN

✗ Priority support

Every fee. Fully transparent.
No surprises.

All costs shown before you confirm any transaction. What you see is exactly what you — and your recipient — pay.

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Accounts & Plans

7 items ▾

Service	Price	Notes
Personal account opening	€10–€25	One-time · no local address required
Basic plan	Free	Multi-currency · virtual card · SEPA
Premium plan	€9.90–€14.90/mo	Physical card · lower FX · priority support
Premium annual	€99/year	Save ~30% vs monthly · first card free
Business account opening	€100–€250	One-time · KYB required
Business Basic	€49/month	Business IBAN · SEPA · SWIFT · cards
Business Pro	€99–€199/month	Team management · non-EEA IBAN · crypto

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IBANs — Personal & Business

8 items ▾

Service	Price	Notes
Personal EEA IBAN setup	€5.00	Receive SEPA payments like a European bank
Personal EEA IBAN maintenance	€1/month	Keep your IBAN active
Personal non-EEA IBAN setup	€10.00	Receive SWIFT from outside EEA · Premium plan
Personal non-EEA IBAN maintenance	€10/month	Available on Premium plan only
Business EEA IBAN setup	€30.00	Business receives as European company
Business EEA IBAN maintenance	€10/month	Business Basic & Pro plans
Business non-EEA IBAN setup	€70.00	Global SWIFT receiving · Pro plan only
Business non-EEA IBAN maintenance	€25/month	Business Pro plan only

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Cards — Personal & Corporate Mastercard

9 items ▾

Service	Price	Notes
Virtual personal card	Free	Instant issuance · 3DS secure · automatic FX
Physical personal card	€9.90–€14.90	International delivery · Mastercard debit
Virtual premium card	€2.00	Additional premium virtual card
Virtual corporate card	€2.00–€5.00	Per card · spending limits · team members
Physical corporate card	€14.90	Per card · international delivery
Card FX usage	2.5%	Applied automatically at purchase
Transaction fee	€0.30–€0.40	Per transaction
3DS authorization	€0.20	Per secure authentication
Card replacement	€9.90	Lost, stolen, or damaged card

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Payments — SEPA, SWIFT & FX

6 items ▾

Service	Price	Notes
SEPA transfer inbound	0.30%, min €1	Receive from any European bank · same day
SEPA transfer outbound	0.30%, min €1	Send to any European bank · same day
SWIFT inbound	0.40%, min €20	Receive from any global bank · 1–3 days
SWIFT outbound	0.50%, min €40	Send to any global bank · 1–3 days
Internal transfers	Free	Cash Me to Cash Me · instant · always free
FX conversion	0.8–2.5% spread	Interbank-based · 25+ currencies · instant

₿

Crypto On/Off-Ramp — via licensed partner

5 items ▾

Service	Price	Notes
Crypto on-ramp (buy)	0.75%	Via licensed partner · approved jurisdictions
Crypto off-ramp (sell)	0.75%	Via licensed partner · no self-custody
Volume €5M–€10M	0.50%	Volume discount · contact us
Volume €10M+	0.35–0.40%	OTC available via licensed partner
Stablecoin settlement	0.75%	USDT · USDC · approved jurisdictions only

⚠️ Crypto services are provided exclusively via licensed third-party partners. Available in approved jurisdictions only. Cash Me is not a crypto exchange and does not hold your crypto. Requires Business Pro plan.

Stop overpaying

Your bank charges too much. Here's the real math.

The average LATAM emigrant sends €400/month to their family. At a bank rate of 7%, that's €28 lost per transfer — €336 every year. At Cash Me's 0.30%, the same transfers cost just €14.40/year.

On 12 monthly transfers of €400

Traditional bank (7%)€336/year lost

Cash Me (0.30%)€14.40/year

Your family keeps€321.60 more

Why Cash Me

Cash Me vs traditional banks

	Traditional Bank	Cash Me
Fee on €1,000 transfer	€50–€100 (5–10%)	€3.00 (0.30%)
Exchange rate	Hidden markup 2–4%	Interbank-based
SEPA transfer time	1–3 business days	Same day
Transfer tracking	Email confirmation only	Real-time in app
Hidden fees on arrival	Yes — deducted on arrival	None. Ever.
Minimum SEPA fee	Varies — often €15+	€1.00
International IBAN	Requires local residency	No address needed
Multi-currency balances	One currency per account	25+ simultaneously
Virtual card	Not available or expensive	Free — instant

FAQ

Common pricing questions

Is the Basic account really free? +

Yes. The Basic plan is completely free every month. You pay only a one-time account opening fee of €10–€25 and optional add-ons like your EEA IBAN (€5 setup + €1/month). No monthly maintenance fee on Basic.

Are there hidden fees on transfers? +

No. Every fee is shown in full before you confirm any transfer — including the FX rate, transfer fee, and arrival estimate. What you see is exactly what you and your recipient receive. No deductions on arrival.

What does the EEA IBAN cost? +

Personal EEA IBAN: €5 setup + €1/month. Business EEA IBAN: €30 setup + €10/month. Non-EEA IBANs are also available for receiving SWIFT payments from outside Europe (Personal: €10 + €10/month · Business: €70 + €25/month).

How much does a physical card cost? +

Personal physical Mastercard: €9.90–€14.90 with international delivery. Virtual cards are always free. Premium plan users receive the physical card as part of their plan. Corporate physical cards cost €14.90 per card.

Do I save money with the yearly plan? +

Yes. The annual Premium plan costs €99/year compared to up to €178.80 if paid monthly — a saving of around 30%. Annual Business plans are also available at discounted rates. Switch at any time in your account settings.

What is the FX spread? +

Cash Me applies an FX spread of 0.8%–2.5% over the interbank market rate, depending on the currency pair and volume. The exact spread is shown explicitly before every conversion — no markup hidden in the rate after confirmation.

Is crypto available on all plans? +

Crypto on/off-ramp is available on Business Pro plans only, via our licensed third-party partner. Not available on Basic, Premium, or Business Basic. Available in approved jurisdictions only. Cash Me never holds your crypto.

Can I change or cancel my plan anytime? +

Yes. Upgrade, downgrade, or cancel anytime from your account settings. Downgrading to Basic is always free. Annual plans are non-refundable but you keep all features until the end of the billing period.

Ready to open your account?

Start free today. No local address required. No European documents needed. Upgrade anytime.

Personal accounts free · Business from €49/month · Support EN · PT · ES · 24/7