Swap Fees

The fee charged in the destination currency when a swap is executed (e.g. if you wish to swap GBP 1,000 into USD, the fee will be charged in USD).

Smart Swap 2.0%*
Immediate Swap 2.0%*
3 Day Swap 1.3%
7 Day Swap 1.0%

A swap that completes earlier than requested will always be charged at the original swap fee.

* For all users who registered prior to 08/05/2017, the immediate and smart swap fee is 1.4%

NB: if you make a transaction in a currency other than those listed here, the immediate 2% swap fee will apply to all users irrespective of when they registered.

Additional Fees

Replacement Card £4.95
Chargeback Fee £10
Administration Fee1 -
Refund Fee £5
Stamp Duty2 €5

ATM Withdrawal Fees

ATM withdrawals above the amounts detailed below are free of charge.

AUD Below A$350 A$3
CAD Below C$300 C$3
CHF Below CHF300 CHF2.25
DKK Below DKr2,000 DKr15.00
EUR Below €200 €1.75
GBP Below £200 £1.50
HKD Below HK$2,000 HK$20
HUF Below Ft80,000 Ft600
ILS Below ₪1,000 ₪8.00
JPY Below ¥30,000 ¥275
NOK Below NKr2,000 Nkr15.00
NZD Below NZ$400 NZ$3
PLN Below zł500 zł8
SEK Below SKr2,000 SKr15.00
SGD Below S$400 S$3
TRY Below ₺1,000 ₺6.00
USD Below $200 $2.25
ZAR Below R3,500 R25

You may also be charged by the operator of the ATM.


Load Limits

Min Load £10 / €15 / NKr100 / SKr100 / DKr100
Max Single Load £3,0003
Max Daily Load Attempts 5
Max Annual Load Amount £12,0003
Max Total Balance £6,0003


Monthly transfer limit (send)  £2,0003
Monthly transfer limit (received) £2,0003


Max Transactions 15
Max ATM Withdrawals (Including Balance Checks) 2
Max ATM Withdrawal Amount £5003


Max ATM Withdrawal Amount (reset every 7 days) £4003
Max Daily ATM Withdrawals  (Including Balance Checks)    2
Max Daily Transactions 15

Domestic Limits (Reset Every 7 Days)

Max Withdrawal Amount £2003
Max Spending Amount £1503

Swap Limits

Min Swap Amount £5 / €6 / $7.50 / ₺20 / ₪20 /  DKr 50 / SKr 50 / NKr 50 / NZ$10 / zł25 / S$10 / R100 / A$10 / C$10 / CHF10 / HK$100 / Ft2000 / ¥1000

1 This fee is chargeable under certain rare circumstances (if you request an additional service from us which we normally do not provide), but we will always notify you in advance if and when the fee applies.

2 Annual fee for residents of the Republic of Ireland only. To be deducted from the balance on the account, or from the first load of the year.

3 Values are equivalent to GBP values unless stated otherwise.