--- title: "RedotPay fees beyond the card: deposits, bank transfers, P2P and withdrawals" description: "What RedotPay charges when money moves rather than when you pay: crypto deposits and withdrawals, the EUR, GBP and USD accounts, PayPal transfers (3%), international transfers, transfers to other users, P2P, and the fees banks add on the way." --- > Documentation Index > Fetch the complete documentation index at: https://redotdocs.com/llms.txt > Use this file to discover all available pages before exploring further. # RedotPay fees beyond the card: deposits, bank transfers, P2P and withdrawals The [card fee schedule](/en/fees-limits/) covers what you pay when you spend. This page covers everything else: getting money in, moving it out, and sending it to people. Most of it is free on RedotPay's side; the costs that do exist are a network fee, a 3% PayPal fee, a transfer fee shown on screen, and fees that banks take on the way. > **Checked 2 November 2026** > > From RedotPay's help centre and the app on that date. Several of these fees aren't published as numbers: RedotPay shows them on screen before you confirm, and that screen is the figure to trust. ## In short | Moving money | RedotPay's fee | What else can cost | |---|---|---| | Crypto deposit | Free | The network fee your exchange or wallet charges to send | | Bank transfer into your EUR, GBP or USD account | Free | 6 USD, EUR or GBP to open the account if your balance is under 100 USD; a yearly fee unless 1,000 USD arrives in 11 months | | PayPal and similar platforms, to your card | 3%, at least 1 USD | PayPal's own fees and currency conversion | | Buying crypto with a bank card | The provider's price, shown before you pay | Your bank may add a foreign-transaction fee | | Crypto withdrawal to a wallet or exchange | A network fee, shown before you confirm | Nothing on arrival | | International transfer to a bank account | By currency, shown as "Includes fee" | Intermediary or receiving banks, mostly on USD over SWIFT | | Transfer to another RedotPay user | Free | Nothing | | P2P buy or sell | Free | The other user's rate, and your bank's transfer fee | | Swap between coins | Not published; the rate is shown before you confirm | Nothing | ## Getting money in ### Crypto deposits: free, above the minimum RedotPay charges nothing to receive crypto. The fee is on the sending side: your exchange or wallet charges its network fee, and what arrives must be **at or above the minimum** for that coin and network after that fee, or it isn't credited. The minimum is on the Deposit page; a second deposit of the same coin on the same network that brings the total over the minimum recovers the first. Every screen is on [how to deposit USDT](/en/deposits-withdrawals/deposit-crypto/). ### Your EUR, GBP or USD account Deposits by bank transfer into a personal funding account are **free**: RedotPay takes nothing on USD, EUR or GBP. The account itself can cost: - **Opening**: free if your RedotPay balance is at least 100 USD or equivalent, otherwise 6 USD, 6 EUR or 6 GBP. - **Yearly maintenance**: waived if at least 1,000 USD in total is deposited in the first 11 months. RedotPay warns you in month 11 and doesn't publish the amount. - **A refunded deposit**: if a transfer has to be returned, the bank or refund channel may take a handling fee; on a small deposit, nothing may be left. What the account is and how to open it: [IBAN and account details](/en/deposits-withdrawals/iban/). ### PayPal and other platforms: 3% A transfer from PayPal or a similar platform to your RedotPay card is converted to USDT and credited with a fee of **3%, at least 1 USD**. PayPal's own fees and conversion come on top. See [receive money from abroad](/en/deposits-withdrawals/receive-money/). ### Buying crypto with a card **Buy crypto** hands you to a third-party provider; its price, which includes its fee, is shown before you pay. **Card Deposit** shows the amount you'll receive before you confirm. RedotPay doesn't publish either fee, and your own bank may add a foreign-transaction fee. RedotPay cards can't be used to buy crypto. ## Moving money out ### Crypto withdrawals: the network fee Withdrawing on-chain costs the **network fee** shown on the withdrawal screen, which varies by coin, network and the moment. Each coin and network also has a minimum, and your balance must cover the amount plus the fee. Steps, timings and what blocks a withdrawal are on [withdraw crypto](/en/deposits-withdrawals/withdraw/). ### International transfers: shown as "Includes fee" The **Send** tab's fee depends on the currency and receiving method and appears under **Includes fee** before you commit; RedotPay publishes no table. For USD the app showed "20 USD Max" on 2 November 2026. Two things can change it: - **A first-send promo code** cuts the fee by up to 20 USD, possibly to zero, on your first transfer. - **Banks on the way.** Local networks such as SEPA, Pix and SPEI usually add nothing. USD over SWIFT can lose an intermediary or receiving bank's fee, so the recipient gets less than you sent. Every step and rule is on [send money to a bank abroad](/en/deposits-withdrawals/send-money/). ### Transfers to another RedotPay user: free Sending crypto or USDs to another RedotPay user is free and usually instant, with per-transfer and daily limits (2,000 and 10,000 USDT, for example). It can't be reversed. ### EUR and GBP back to a bank You can withdraw a EUR or GBP balance to a linked bank account in the same currency. RedotPay's article doesn't state a fee; the app shows it when you withdraw. ## P2P: "0 fees", but the rate is the price Buying or selling USDT on [P2P](/en/p2p/) costs nothing on RedotPay's side: the buttons literally read **Buy with 0 fees** and **Sell with 0 fees**. The cost is in the other user's rate, which they set, so compare it with the market before you order. Your bank may charge for the transfer; by RedotPay's rules the buyer covers sending fees and the seller receiving fees unless you agree otherwise in the chat. ## Swap Swapping one coin for another inside the app shows a rate before you confirm. RedotPay's help centre doesn't explain how that rate is built or whether a fee is inside it; for card payments it says crypto is converted at a weighted average of the top five exchanges. ## Refunds and reversals - **Merchant refunds come back without the ~1% transaction fee.** The merchant returns what it received, which doesn't include RedotPay's fee, so the refund is slightly less than you paid. See [refund not received](/en/troubleshooting/refund-not-received/). - **Declined payments aren't charged.** A hold on a payment that never completes is released within 2 to 5 days. After 3 declines in a month, 0.50 USD per decline applies, from the card schedule. - **Returned bank deposits** can lose a bank handling fee, as above. ## RedotPay Pro The 12.90 USD a month or 129 USD a year subscription changes card fees, not the ones on this page, with one exception: yearly members get up to 1,000 USD a month of ATM withdrawals without RedotPay's fee. Whether it pays off is worked out on [RedotPay Pro](/en/fees-limits/redotpay-pro/). Sources: RedotPay help-centre articles "What's the Deposit Fee Policy?", "Is It Free to Open a Personal Funding Account?", "Third-Party Transfer Support (e.g. PayPal) & Fee Discount in May", "Who Processes My Transfer, and Are There Any Additional Bank Fees?" and "Why Is My Refund Amount Less Than What I Paid?" (checked 2 Nov 2026); the RedotPay app, English interface (2 Nov 2026); for P2P, withdrawals and internal transfers, the articles cited on those guides. Source: https://redotdocs.com/en/fees-limits/deposit-transfer-fees/index.mdx