Transparent Pricing
Simple, Honest Pricing
No hidden fees. No surprise charges. Just a flat 0.5% conversion rate and transparent pricing across the board.
Complete Fee Schedule
Every fee, clearly listed. No fine print.
Card Fees
Virtual Card IssuanceFree
Physical Card Issuance$10 one-time
Physical Card Replacement$10
Monthly Maintenance FeeFree
Card Activation FeeFree
Transaction Fees
Stablecoin to Fiat Conversion0.5% flat
Online PurchasesNo extra fee
In-Store / POS PaymentsNo extra fee
Foreign Transaction FeeNone — included in 0.5%
Contactless / NFC PaymentsNo extra fee
ATM & Cash
ATM Withdrawal (Monthly)First $200/mo free
ATM Withdrawal (Over Limit)2% per withdrawal
International ATM WithdrawalSame as above
ATM Balance InquiryFree
Account & Wallet
Stablecoin Deposit (USDC/USDT)Free
Wallet-to-Wallet TransferFree
Account Inactivity FeeNone
Account ClosureFree
Compare
Xcentra vs The Rest
See how Xcentra stacks up against traditional banks and other crypto card providers.
| Feature | XcentraBest Value | Traditional Banks | Other Crypto Cards |
|---|---|---|---|
| Conversion / FX Fee | 0.5% flat | 2-3% + markup | 1-2.5% |
| Monthly Fee | Free | $5-15/mo | Free-$15/mo |
| ATM Withdrawal | First $200 free | $2-5 per use | $2-3.5 per use |
| Foreign Transaction | Included in 0.5% | 1-3% extra | 0-2% extra |
| Card Issuance (Virtual) | Free | Free | Free-$5 |
| Card Issuance (Physical) | $10 one-time | Free-$25 | $10-50 |
| Hidden Spreads | None | Yes (FX markup) | Often yes |