Fees & Charges
Last updated: April 30, 2026
plan₿ believes in radical transparency on pricing. The fees below cover all services offered through the plan₿ app. We do not charge monthly fees, account-opening fees or subscription fees.
PIX (Brazil)
Cash-in and cash-out via PIX rails are processed by our regulated Brazilian partner (Avenia).
| Service | Fee | Notes |
|---|---|---|
| PIX cash-in (BRL deposit) | R$ 0.75 | Fixed fee per transaction. |
| PIX cash-out (BRL withdrawal) | R$ 0.75 | Fixed fee per transaction. |
Swap fees (currency conversion)
Swap fees are charged on the converted notional amount and are shown in the in-app quote before you confirm the trade. The rate already includes the swap fee.
| Service | Fee | Notes |
|---|---|---|
| BRL ↔ USD (USDC) | 0.40% | Per-side fee on the converted amount. |
| BRL ↔ BTC | 1.00% | Per-side fee on the converted amount. |
| BTC ↔ USD (USDC) | 1.00% | Per-side fee on the converted amount. |
plan₿ Visa card
The plan₿ Visa debit card is issued by UAB Monavate pursuant to licence by VISA Europe Limited.
| Service | Fee | Notes |
|---|---|---|
| Card issuance (virtual) | Free | No issuance fee for the virtual card. |
| Purchases (online & contactless) | 0% | No plan₿ fee on card spend. No FX spread — your balance is converted at the network rate at the moment of purchase, with no markup applied by plan₿. |
| ATM withdrawals | Not yet supported | On the roadmap. |
Crypto deposits (incoming)
plan₿ does not charge anything to receive crypto into your wallet — neither Bitcoin nor any other supported asset.
| Service | Fee | Notes |
|---|---|---|
| Bitcoin deposit (on-chain or Lightning) | Free | plan₿ does not charge to receive Bitcoin. Standard Bitcoin network or Lightning routing fees may apply on the sender side. |
| USD / USDC deposit (any supported chain) | Free | plan₿ does not charge to receive USD-pegged stablecoins. Standard network fees may apply on the sender side. |
| Other supported crypto deposits | Free | plan₿ does not charge to receive any supported on-chain asset. The asset shows up on your balance once the network confirms the transaction. |
Network fees (on-chain withdrawals)
On-chain transactions incur a network fee paid directly to validators / miners. This is not a plan₿ fee — plan₿ does not retain any portion of it.
| Service | Fee | Notes |
|---|---|---|
| Bitcoin on-chain withdrawal | Variable | Estimated network fee is shown before you confirm the transaction. |
| Lightning Network payments | Near-zero | Standard Lightning routing fees apply. |
Important notes
- Fees may change. Any update is effective from the date this page is republished and will be communicated in advance through the app and/or by email when material.
- KYC verification level may affect transaction limits. See the "Limits" section in the app.
- Other account fees may apply where required by partner programmes (Visa, Monavate, Gnosis Pay).
- plan₿ does not custody customer Bitcoin or stablecoins held in self-custody. Recovery of self-custodial assets depends on your seed phrase.
Questions about fees?
Get in touch and we will clarify any line item: contact@planb.army