Our fees. All of them.
No hidden charges, no surprises, no small print tricks. Every fee is shown before you confirm any transaction. Last updated: January 2025
Zero markup on exchange rates. We use the live mid-market rate — the same one you see on Google — for all currency conversions. Any applicable fee is shown separately and clearly before you confirm.
Account
Everyday account services
| Service | Fee |
|---|
| Opening an account | Free |
| Monthly / annual account fee | Free |
| Holding balances in 9 currencies | Free |
| Receiving money from another mbo.finance user | Free |
| Account statements (any date range) | Free |
| Closing your account | Free |
Transfers
Sending money to other people
| Service | Fee | Speed |
|---|
| Transfer to another mbo.finance user (any currency) | Free | Instant, 24/7 |
Currency conversion
Converting between your wallets
| Service | Rate used | Fee |
|---|
| Convert between any of your 9 currency wallets | Live mid-market rate | 0% markup |
Adding money
Topping up your wallets
| Method | Fee | Speed |
|---|
| Bank transfer (SEPA, Faster Payments, ACH, NPP, Interac) | Free | Within 1 business day of arrival |
| Crypto top-up via NOWPayments | Network fee + ~0.5% processing | 1–5 minutes after confirmation |
Withdrawals
Moving money to your bank account
| Method | Fee | Speed |
|---|
| SEPA withdrawal (EUR) | Shown at time of withdrawal | 1–2 business days |
| Faster Payments (GBP) | Shown at time of withdrawal | Same / next business day |
| ACH (USD) | Shown at time of withdrawal | 1–3 business days |
| NPP / BSB (AUD) | Shown at time of withdrawal | 1–2 business days |
| Interac e-Transfer (CAD) | Shown at time of withdrawal | Same / next business day |
Cryptocurrency
Buying, selling, and withdrawing digital assets
| Service | Fee |
|---|
| Buying BTC, ETH, USDT, SOL with your EUR wallet | Live CoinGecko price; small spread included in price shown |
| Selling crypto back to EUR | Live CoinGecko price; small spread included in price shown |
| Holding crypto | Free |
| Withdrawing crypto to an external wallet | Blockchain network fee (varies by network congestion) |
mbo Card
Physical and virtual cards
| Service | Fee |
|---|
| Physical card issuance | Announced at card launch; shown before you order |
| Card payments in EUR | Free |
| Card payments in other currencies | Converted at mid-market rate |
Important notes: Fees are shown and confirmed before every transaction — you will never be charged a fee you haven't seen. Where third parties (banks, card networks, blockchain networks) charge their own fees, these are outside our control and disclosed where known. We will give at least 30 days' notice of any fee increases as set out in our
Terms of Service. Crypto assets are volatile and not covered by deposit protection schemes — see our full risk warnings in the Terms.
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