Fees & Limits

CARDHOLDER AGREEMENT

between

DirectCash Bank and the Cardholder

 

By clicking “I agree to the Spend Card Cardholder Agreement” or by activating or using your Spend Card, you acknowledge that you have (i) received and read the entire agreement set out below, (ii) accepted the terms and conditions set out below, and (iii) agreed to the card fees set out below. DirectCash Bank will be deemed to have agreed to this Cardholder Agreement if it issues a Spend Card to you and that card is activated for use by you.

DIRECTCASH BANK – CARD FEES

 

Description Fees
All transactions $0.00
International foreign exchange transactions† 3.00%
Overdraft Fee $5.00
Chargeback Fee $20.00
Card Replacement Fee $10.00
Inactivity Fee $5.00 per month

* All fees are per occurrence, except the Inactivity Fee as described in Section 13.

† The total fee will be the rate charged by the network (Visa) on the day the transaction is processed, plus the administration fee of 3.00%.

 

SPEND – WITHDRAWAL FEES

Description Fees
All Card withdrawal transactions (including POS and ATM transactions)* 1.00%

* These fees are not charged by DCBank and are provided herein for information purposes only. These fees remain at all times subject to the terms and conditions of any agreements between you and Spend.

MEMBERSHIP AGREEMENT

between

Spend and the Cardholder

 

By clicking “I agree to the Spend Membership Agreement” or by activating or using your Spend Card, you acknowledge that you have (i) received and read the entire agreement set out below, (ii) accepted the terms and conditions set out below, and (iii) agreed to the membership fees set out below. Spend will be deemed to have agreed to this Membership Agreement if it issues a Spend Card to you and that card is activated for use by you.

SPEND – MEMBERSHIP LEVEL FEES*

Description Fees
Spend Wallet Free
Spend Simple $25.00 Membership Fee
Spend Signature $50.00 Membership Fee

20,000 SPND Lock for 6 months

Spend Black $500.00 Membership Fee

150,000 SPND
Lock for 6 months

Spend Black Metal Upgrade Fee $500.00
Spend Black Metal Replacement Surcharge Fee $100.00

* These fees are not charged by DCBank and are provided herein for information purposes only. These fees remain at all times subject to the terms and conditions of any agreements between you and SPEND.

Deposits made into the Spend Wallet are free.

Spend Wallet Fiat Withdraw Fees

Symbol Fiat Name Minimum Withdrawal Withdrawal Fee
USD
US Dollar $10.00 0.2%
 CAD
Canadian Dollar $10.00 0.2%
EUR
Euro €10.00 0.2%

Spend Wallet Crypto Withdraw Fees

Symbol Coin/Token Name Minimum Withdrawal Withdrawal Fee
SPND
Spendcoin 1 0.3 SPND
 BTC
Bitcoin 0.002 0.0005 BTC
USDT
Tether 5 3 USDT
 BCH
Bitcoin Cash 0.002 0.001 BCH
 ETH
Ethereum 0.02 0.01 ETH
 LTC
Litecoin 0.002 0.01 LTC
 ETC
Ethereum Classic 0.02 0.01 LTC
QTUM
Qtum 0.02 0.01 QTUM
 EOS
EOS 0.2 0.1 EOS
 ZEC
Zcash 0.01 0.005 ZEC
DASH
Dash 0.004 0.002 DASH
 ADA
Cardano 4 1 ADA
 XRP
Ripple 22 0.25 XRP
 XLM
Stellar Lumens 21 0.01 XLM
 BNB
Binance Coin 0.5 0.13 BNB
 POLY
Polymath 15 7 POLY

Spend Wallet Tier 0 Limits

Type Deposit Daily Withdrawal Monthly Withdrawal
Cryptocurrency
$0.00 $0.00 $0.00
Fiat
$0.00 $0.00 $0.00

Spend Wallet Tier 1 Limits

Type Deposit Daily Withdrawal Monthly Withdrawal
Cryptocurrency
No Limit $5,000.00 $100,000.00
Fiat
$0.00 $0.00 $0.00

Spend Wallet Tier 2 Limits

Type Deposit Daily Withdrawal Monthly Withdrawal
Cryptocurrency
No Limit $1,000,000.00 $30,000,000.00
Fiat
No Limit $25,000.00 $1,000,000.00

Spend Wallet Tier 3 Limits

Type Deposit Daily Withdrawal Monthly Withdrawal
Cryptocurrency
No Limit $20,000,000.00 $500,000,000.00
Fiat
No Limit $5,000,000.00 $50,000,000.00

Spend Card Tier 2 & 3 Limits (Amounts are in CAD)

Membership Level Daily Limit Weekly Limit Monthly Limit
Spend Simple™
$500.00 – Purchases
$100.00 – ATM
$3,500.00 – Purchases
$700.00 – ATM
$14,000.00 – Purchases
$2,800.00 – ATM
Spend Signature™
$5,000.00 – Purchases
$500.00 – ATM
$10,000.00 – Purchases
$1,000.00 – ATM
$25,000.00 – Purchases
$4,000.00 – ATM
Spend Black™

*TIER 3 REQUIRED

$7,500.00* – Purchases
$2,500.00* – ATM
$18,750.00* – Purchases
$6,250.00* – ATM
$75,000.00* – Purchases
$25,000.00* – ATM

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