Fee Calculator
With the in-app Spritz fee calculator, you can quickly verify what your transaction will cost without the hassle!
1. How are fees calculated?
Fees at Spritz are charged only when you make a crypto transaction.
There are no fees to spend on your SpritzCard or to maintain your Spritz account!
Fees for each transaction are calculated using two parts:
% of your transaction amount, and
Minimum per-transaction fee amount
These values depend on several factors related to your transaction:
The feature you are using (e.g. RapidPay offramp to bank, bill payment)
The token (e.g. USDC, ETH) and blockchain (e.g. Polygon, Bitcoin) used
The size of the transaction (regular, large, or super)
Once you find the values for your particular transaction, the actual fee will be the minimum of either
(A) % fee multiplied by transaction amount, or
(B) minimum fee value
2. Crypto ➡️ Fiat
The base fee for crypto to fiat transactions is 0.5% with a minimum fee of $2
Based on the (3) factors [feature used, token & blockchain, and transaction size] you can calculate the transaction fee by:
Add up any base fee adjustments from the following tables and add to the 0.5% crypto to fiat base fee = transaction base fee
Adjust the minimum fee to the greater of the base minimum fee and any relevant values in the following table = transaction minimum fee
Calculate the transaction fee by multiplying the transaction amount by the transaction base fee, and take the maximum value of this result and the transaction minimum fee.
See a calculated example below.
Fee adjustments by feature
The following adjustments to the base fee and the minimum are made depending on the type or feature used:
Feature | Base fee adjustment | Minimum fee |
Offramp - ACH to bank | No adjustment | No change |
Offramp - Push to card | +0.5% | No change |
Offramp - RapidPay | +1% | No change |
Bill payment | +0.5% | $4 |
SpritzCard load | +0.5% | No change |
Note: RapidPay and Push to Card: +1% additional fee on weekends and US bank holidays.
Free Instant Transaction Benefit
Each user receives 1 free transaction per month (up to $1,000) exempt from the 1% RapidPay/Push to Card fee & the weekend/bank holiday surcharge. Standard transaction fees still apply.
Fee adjustments by token & blockchain network
The following adjustments to the base fee and the minimum are made depending on the token and/or blockchain network used:
Network(s) | Token(s) | Base fee adjustment | Minimum fee |
| USDC | No adjustment | No change |
| All other tokens (not USDC) | +0.5% | No change |
Ethereum | All tokens | +0.5% | No change |
Sui | USDC | +1% | No change |
Sui | SUI | +2% | No change |
Binance Smart Chain (BSC) | All tokens | +1% | No change |
Ripple | XRP | +1.5% | No change |
Tron | USDC | +0.5% | No change |
Tron | USDT | +1.5% | No change |
Bitcoin | Bitcoin | +1.5% | $5 |
DASH | DASH | +1.25% | No change |
Fee adjustments by transaction volume
The following adjustments to the base fee and the minimum are made depending on the size of the transaction.
Volume (size) of transaction | Base fee adjustment |
Large ( >$20,000 and ≤$100,000) | +0.5% |
Super (>$100,000) | +1.0% |
Examples
(1) $2,000 USDC on Base used to ACH to bank account
Base fee adjustments
Base USDC: none
ACH to bank: none
Size: none
Transaction base fee = 0.5% (base fee)
Transaction minimum fee = $2
Transaction fee = max ($2, 0.5% * $2,000) = $10
(2) $1,500 WETH token on Arbitrum network used to pay a credit card bill
Base fee adjustments
Arbitrum non-USDC: +0.5%
Bill pay: +0.5% (minimum $4)
Size: No adjustment
Transaction base fee = 0.5% (base fee) + 0.5% + 0.5% = 1.5%
Transaction minimum fee = $4
Transaction fee = max ($4, 1.5% * $1,500) = $22.50
3. Fiat ➡️ Crypto
"On-ramp" or "Buy crypto"
Fiat to crypto transactions receive a 1% fee, with no minimum fee value
Wire transfers receive an additional $20 charge
Applies to US Only - See Fees: Across the Globe if you're outside North America.