Fees & Charges
Last updated: July 20, 2026
plan₿ believes in radical transparency on pricing. The fees below cover all services offered through the plan₿ app, with no hidden recurring account charges.
Account & subscription
Opening and keeping a plan₿ account is free. You only pay for the transactions you choose to make.
| Service | Fee | Notes |
|---|---|---|
| Account opening | Free | No setup or activation fee. |
| Monthly account fee | Free | No monthly maintenance fee. |
| Subscription | Free | No subscription is required to use plan₿. |
PIX
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$ 1 | Fixed fee per transaction. |
| PIX cash-out (BRL withdrawal) | R$ 1 | Fixed fee per transaction. |
Swap fees (currency conversion)
Swap fees are charged on the converted amount and included in the in-app quote. Network and market conditions can affect the final rate. If the market spread exceeds 0.40%, plan₿ waives its own swap fee. You always see the full quote before confirming.
| 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
Crypto deposits are live. plan₿ does not charge anything to receive Bitcoin or any other supported asset into your wallet.
| 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.
Questions about fees?
Get in touch and we will clarify any line item: contact@planb.army