This page is the complete overview of the fees and limits that apply to your Solid account. It covers the Solid Card, Savings, deposits, withdrawals, swaps and currency conversion, and how each fee changes across the Core, Prime and Ultra tiers of Solid Rewards.

The short version: the card is free, holding money is free, and the higher your Rewards tier, the fewer fees you pay. Ultra members pay no fees at all on deposits, swaps, FX and buying crypto. Whatever your tier, the exact fee is always shown in the app before you confirm.

Every member starts at Core. You move up to Prime and Ultra by earning points, or unlock a tier instantly by staking FUSE in your Savings. Your fee schedule follows your current tier and updates automatically when your tier changes.

Bank withdrawals and stock trades currently carry no Solid fee at any tier. A tiered fee on these (0.5% at Core, 0.25% at Prime, free at Ultra) is planned; we will update this page and notify you in the app before it applies.

Fees that compute to less than $0.01 are waived rather than charged. Stake FUSE for Ultra and every fee drops to zero. Unstaking is subject to a 30-day cooldown, and your tier returns to what your points support once the stake is withdrawn. The current staking amounts are always shown in the app. See How does Solid Rewards work? for the full tier details.

The Solid Card is issued by one of our card program partners, Rain or Wirex, depending on your country of residence. The card itself is free at every tier.

The FX conversion fee is charged when a card purchase settles in a currency other than USD, regardless of the merchant's country. It is applied to your balance after the purchase settles and shows in the transaction details. FX and cross-border fees are mutually exclusive: only one can apply per transaction.

You also earn cashback in USDC on every card purchase: 3% at Core, 4% at Prime and 5% at Ultra, up to your tier's monthly cap.

Example: if your Savings generate $100 in yield over a period, Solid retains $10 and you keep $90. The performance fee covers the cost of curating, managing and optimizing the strategies that generate your yield. The solver fee covers gas and potential slippage when a withdrawal is executed at the smart contract level, so you never have to manage those costs yourself.

If you send crypto from an external wallet or exchange, that wallet or network may charge its own fee before the funds reach Solid. This is not a Solid fee and is outside our control.

The bank deposit fee is withheld from the arriving amount before your balance is credited, so it can never take your balance below zero. Bank deposits include transfers to your Solid Virtual Account. The bank sending the payment may charge its own fees outside Solid. See Virtual Accounts on Solid for availability and processing times.

When you buy USDC with local currency in the app, the order is processed by our on-ramp partner TransFi, which applies its own rate and fee, shown before you confirm. Solid's fee is then applied to the USDC that arrives in your balance once the order settles.

Sending money from Solid to a bank account, including cashing out your card balance, currently carries no Solid fee. A tiered fee (0.5% at Core, 0.25% at Prime, free at Ultra) is planned and will be announced in the app before it applies. Our payment partner's rate, any partner fee and the estimated arrival time are always shown before you confirm.

Sending crypto from your Solid balance to an external wallet carries no Solid fee. Withdrawals from Savings are subject to the 0.01% solver fee described above. Standard network fees may apply depending on the destination chain and are shown before you confirm.

The swap fee is taken from the token you are swapping from, inside the same transaction, and is displayed on the swap screen before you confirm. Every $1 you swap also earns 1 Solid Rewards point. Tokenized stock trades currently carry no Solid fee; a tiered fee matching the swap schedule is planned and will be announced before it applies.

Spending limits are based on your available balance and follow the program that issued your card. Limits can apply per transaction, daily, weekly, monthly, yearly or lifetime, and may be adjusted per user. Transactions above roughly $250,000 may require additional verification from Visa, and the maximum single transaction is roughly $750,000. Certain merchant categories (such as gas stations) carry extra safeguards. See Card fees & limits for merchant rules and why a payment may be declined.

The fees, limits and rewards described on this page are provided for information and form part of Solid's service disclosures. Fees, limits, card features, rewards and supported services may change in accordance with applicable law and the Solid Card Terms; updates take effect once published in the app or on this page. Actual fees, exchange rates and processing times may vary depending on your location, tier, payment method, network conditions, card program partner and applicable regulatory requirements. Solid Rewards, cashback and staking benefits are subject to eligibility, caps and the current rewards terms, and do not constitute a guaranteed return.

This page should be read together with the card terms that apply to your program:

There are no hidden fees. What you see in the app before you confirm is what you pay.