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 Solid 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.

The Solid FX fee comes on top of a 1% FX fee applied by your card provider on non-USD purchases. See the Solid Card fees section below for the full breakdown.

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 Solid 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 Unstaking is subject to a 30-day cooldown, and your tier returns to what your points support once the stake is withdrawn.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, and spending in USD is free. The only cost of using the card is on purchases made in a currency other than USD, where two fees apply: a 1% FX fee from your card provider, and a Solid FX fee that depends on your Rewards tier.

Card provider FX fee (1%). When you pay in a currency other than USD, your card provider (Rain or Wirex) converts the purchase to USD and applies a 1% fee. This fee is built into the exchange rate you receive rather than shown as a separate line, which is standard practice for card issuers. It applies at every tier and is the same on both card programs. Your card provider does not charge any other fee for using the card.

Solid FX fee (1%, 0.5% or free). Solid applies its own FX fee on the same non-USD purchases, based on your Rewards tier. It is charged to your balance after the purchase settles and shows as a separate line in the transaction details. Reach Ultra and this fee disappears.

Both fees apply based on the currency of the purchase, not the merchant's country. A purchase in USD from a merchant abroad carries no FX fee at all. FX and cross-border fees are mutually exclusive: only one can ever apply to a transaction, and Solid covers cross-border fees for you.

Every eligible card purchase earns cashback in USDC: 3% at Core, 4% at Prime and 5% at Ultra, up to your tier's monthly cap. Because cashback is higher than the total FX cost at every tier, a typical non-USD purchase still leaves you ahead.

Example: you spend the equivalent of $100 in euros.

On USD purchases there are no FX fees, so the full cashback is yours. Cashback is paid to your Savings and starts earning yield immediately. It applies to eligible purchases up to your tier's monthly cap; see How does Solid Rewards work? for eligibility and caps.

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.