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, spending in USD is free, holding money is free, and the higher your Rewards tier, the fewer fees you pay. Ultra members pay no Solid fees on bank deposits and swaps. Whatever your tier, the exact fee is always shown in the app before you confirm.

Every member starts at Core. You upgrade to Prime with an annual subscription or by locking FUSE for 12 months, and to Ultra by locking FUSE for 12 months. Your fee schedule follows your current tier and updates automatically when your tier changes.

Spending in USD with your card is free at every tier. On non-USD purchases, the 0.5% Solid FX fee comes on top of a 1% FX fee applied by your card provider (Rain or Wirex), for a total of 1.5% at every tier. See the Solid Card fees section below for the full breakdown. Wirex cardholders who pay euro purchases from a EUR balance, or from soUSD with Credit mode on, pay no FX fee at all on those purchases; see Paying in euros with zero fees.

Crypto deposit fees, the TransFi fee and the Solid FX fee are the same at every tier. Bank withdrawals currently carry no Solid fee at any tier. A tiered withdrawal fee (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. Lock FUSE for Ultra and Solid's tiered fees drop to zero for the whole 12-month lock. Locked FUSE cannot be withdrawn before its unlock date, and your tier ends when the lock does unless you lock again. The current lock 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 at every tier. 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 0.5% Solid FX fee, the same at every tier. Wirex cardholders can also pay euro purchases with no FX fee at all (see below).

The Prime subscription is an optional Solid Rewards subscription, not a card fee. The card is free at every tier, whether or not you subscribe.

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 (0.5%). Solid adds its own 0.5% FX fee on the same non-USD purchases, at every tier. It is charged to your balance after the purchase settles and shows as a separate line in the transaction details. Together with the provider's fee, the total FX cost is 1.5%.

Both fees apply based on the currency of the purchase, not the merchant's country. A purchase in USD, including from a merchant abroad, carries no 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.

If your card is issued by Wirex, there are two ways to pay euro purchases with no FX fee. A purchase counts as a euro purchase only when the merchant charges you in euros, and the FX fee only applies when your money was actually converted:

Refunds come back to your dollar balance as USDC, valued at the rate the purchase was charged at, even if you paid from your euro balance. Full details and examples: Euro cards: two ways to spend euros with Solid at zero fees.

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 1.5% 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, and on euro purchases paid from a EUR balance or from soUSD with Credit mode, 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.

Deposits on Fuse are free. Deposits on Ethereum carry a 0.1% deposit fee, and deposits on BNB Smart Chain, Polygon, Base and Arbitrum are bridged to Solid with a 0.03% bridge fee. The fee is deducted from the amount credited to your Wallet: on a $100 deposit, that is $0.10 on Ethereum and $0.03 on the other networks. EURC sent on Base to your Solid wallet address for your EUR balance is credited in full with no Solid fee. The fee and the $10 minimum are shown on the deposit screen when you pick the network, before you send. 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. Opening a Virtual Account, a US bank account in your name to receive ACH and wire transfers, costs a one-time $10 fee, paid from your Solid balance when you set it up. It covers identity verification and the issuance of your account details with our banking partner; there is no monthly fee afterwards. If you already completed verification for a Solid card issued by Rain, the fee is not charged again. 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 partner TransFi. The quote you see before confirming shows the exchange rate and a single Fees line that includes both TransFi's fee for your payment method and Solid's 0.5% fee. The total you pay is the final amount; nothing is charged afterwards. For example, buying 50 USDC by SEPA Instant shows a fee of about 0.65% of the amount, which is TransFi's 0.15% plus Solid's 0.5%.

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.

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 tier 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.