Effective Date: October 19, 2026
This Fee Schedule applies to Anytime Capital Accounts, the Anytime Capital Visa® Debit Card, and global payouts. There is no monthly fee on any account, and standard ACH transfers, card purchases, and customer service are always free.
Account
| Service | Fee | Details |
|---|
| Account opening | $0 | |
|---|
| Monthly fee | $0 | Personal and business accounts |
|---|
| Inactivity | $15 | Per month, after 12 months with no account activity |
|---|
| Account closure | $0 | |
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| Electronic statements | $0 | |
|---|
| Paper copy of a communication | $0 | On request |
|---|
| Customer service | $0 | Live agent or automated |
|---|
Card
| Service | Fee | Details |
|---|
| Virtual card | $0 | |
|---|
| Physical card | $0 | First card, when available |
|---|
| Virtual card replacement | $0 | |
|---|
| Physical card replacement | $10 | |
|---|
| Expedited card delivery | $25 | |
|---|
| Card purchase | $0 | |
|---|
| Digital wallets (Apple Pay, Google Pay) | $0 | |
|---|
| Foreign transaction | 1.5% | Of the U.S. dollar amount of each purchase made in a foreign currency or processed outside the United States |
|---|
| ATM withdrawal | Not available | ATM withdrawals are not offered at this time |
|---|
| Card dispute | $0 | |
|---|
Adding Money
| Service | Fee | Details |
|---|
| ACH transfer in or direct deposit | $0 | Standard or same day |
|---|
| RTP® or FedNow® transfer in | $0 | |
|---|
| Wire transfer in, domestic | $10 | |
|---|
| Wire transfer in, international | $16 | |
|---|
| Digital asset deposit | $0 | Network fee is paid by the sender |
|---|
Sending Money in the United States
| Service | Fee | Details |
|---|
| ACH transfer out, standard | $0 | |
|---|
| ACH transfer out, same day | $1 | |
|---|
| Instant transfer out (RTP® or FedNow®) | 1% | Of the amount sent, minimum $1.50, maximum $15 |
|---|
| Wire transfer out, domestic | $25 | |
|---|
| Wire transfer out, international | $45 | |
|---|
| Digital asset withdrawal | Network fee | Charged at cost and shown before you confirm |
|---|
International Payouts in Local Currency
| Destination | Fee |
|---|
| Eurozone (SEPA) | $3.51 plus 0.94% of the amount sent |
|---|
| United Kingdom | $3.31 plus 0.96% of the amount sent |
|---|
| Mexico | $3.14 plus 1.08% of the amount sent |
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| Brazil | $2.99 plus 2.14% of the amount sent |
|---|
| India | $2.99 plus 1.31% of the amount sent |
|---|
| Singapore | $2.99 plus 1.20% of the amount sent |
|---|
| Philippines | $2.99 plus 1.26% of the amount sent |
|---|
| Thailand | $2.99 plus 1.31% of the amount sent |
|---|
| Kenya (mobile money) | $4.15 plus 0.80% of the amount sent |
|---|
| Other supported countries | Shown before you confirm |
|---|
Exchange rate. The exchange rate we quote includes a margin of up to 1% above the mid-market rate. Before you send, we show you the fee, the exchange rate, and the exact amount your recipient will receive.
Currency Conversion
| Service | Fee | Details |
|---|
| U.S. dollars to or from USDC or USDT | 0.25% | Of the amount converted |
|---|
| U.S. dollars to or from bitcoin | 4% to 5% | Of the amount converted. Your exact rate is shown before you confirm |
|---|
Other Fees
| Service | Fee | Details |
|---|
| Returned transfer, insufficient funds | $35 | When a transfer to fund your account is returned |
|---|
| ACH transfer returned as unauthorized | $25 | |
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| ACH transfer returned for incorrect account information | $5 | |
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| Stop payment or ACH recall request | $30 | |
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| Wire recall request | $30 | Recall is not guaranteed |
|---|
| Legal process | $75 | Garnishment, levy, or subpoena |
|---|
Rewards
No rewards program is offered at launch. If a rewards program is added, its terms will be published separately.
Changes to Fees
We will notify you at least 30 days before any fee increase or new fee takes effect, unless an immediate change is needed for security reasons. Details and conditions for all fees are in the Lead Bank Accountholder Agreement, the Lead Bank Cardholder Agreement, and the Anytime Capital Terms of Service.
Global Accounts are Anytime Capital prepaid accounts held at Lead Bank, Member FDIC, under the Lead Bank Accountholder Agreement. Account balances are not FDIC-insured. Lightspark Payments LLC, NMLS ID #2429193, a licensed money transmitter, provides stablecoin and digital asset services. The Anytime Capital Visa® Debit Card is issued by Lead Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.