Pricing & Fees

Devdraft’s standard fees for wallet transfers, local money, bank payouts, virtual accounts, and bank collections.

Rates verified as of 3 November 2026.

The pricing page reads these rates live from our settings and has a calculator for your own amounts.

These are Devdraft’s default rates. Some businesses have custom pricing on their account, which replaces these rates entirely. If you’re not sure which applies to you, check with your account contact or Get Help in the app.

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Wallet Transfers (USDC)

Sending and receiving USDC are priced separately. Receiving is free:

Movement	Sending	Receiving
External: to or from an address outside Devdraft	1.3%	Free
Internal: between Devdraft accounts	1.0% + $1.00	Free

Examples:

• Sending $100 to an outside wallet costs $1.30 (1.3%)
• Sending $100 to a Devdraft account costs $2.00 (1.0% + $1.00)
• Receiving any amount costs nothing

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Small Sends

Sends below $100.00 carry an additional $2.00 small-send fee on top of the standard rate. For a send to an outside wallet:

Amount Sent	Fee	Effective Rate
$10.00	$2.13	21.3%
$50.00	$2.65	5.3%
$99.99	$3.30	3.3%
$100.00	$1.30	1.3%
$500.00	$6.50	1.3%

The small-send fee drops away at exactly $100: sending $99.99 costs $3.30, while sending $100.00 costs $1.30. If you’re sending close to that threshold, rounding up to $100 can save you money.

Minimum send: external wallet sends below $10 are not accepted.

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Local Money

Deposits from and payouts to mobile money and local bank accounts are converted at our exchange rate, plus a small flat fee. There’s no separate percentage fee. Today’s rate for each currency is on the pricing page, and the app shows the rate before you confirm.

Country	Currency	Money in	Mobile money payout	Local bank payout
Ghana	GHS	$0.50	Free	$2.99
Kenya	KES	$0.50	Free	$2.99
Nigeria	NGN	$0.50	Free	$2.99
Rwanda	RWF	$0.50	Free	$2.99
South Africa	ZAR	$0.50	Free	$2.99
Tanzania	TZS	$0.50	Free	$2.99
Uganda	UGX	$0.50	Free	$2.99
Zambia	ZMW	$1.99	6 ZMW	$2.99

Flat fees are shown in the currency they’re charged in. The Zambia mobile money payout fee comes out of the local amount; every other fee is in US dollars.

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Bank Payouts

Bank payouts are priced as a percentage plus a fixed fee. Every rail shares the same rate except Wire:

Rail	Rate	Minimum Send
Wire transfer	3% + $22.00	$100.00
ACH	3% + $10.00	$21.28
SEPA	3% + $10.00	$21.28
SWIFT	3% + $10.00	$21.28
RTP	3% + $10.00	$21.28
PIX	3% + $10.00	$21.28
TED	3% + $10.00	$21.28
SPEI	3% + $10.00	$21.28
Transfers	3% + $10.00	$21.28
ACH COP	3% + $10.00	$21.28

A bank payout that’s returned costs $20.00. The receiving bank may also add its own fees, which are shown on each payout before you confirm it.

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Virtual Accounts

Charge	Rate	Fixed
Deposit into a virtual account	0%	$4.00

This is a flat fee per deposit, with no percentage component.

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Bank Collection (ACH Pull)

When Devdraft debits a connected bank account on your behalf, two separate charges apply:

Component	Charge	Deducted
Bank fee	$1.00 flat	From the amount collected
Platform fee	1.0% + $1.30	From the resulting USDC, once it settles

Example: Collecting $100.00 — the bank fee of $1.00 is deducted first, leaving $99.00 as USDC. The platform fee of 1.0% + $1.30 on that $99.00 is $2.29. Net amount received: $96.71 (an all-in cost of about 3.3%).

Collections of $1.00 or less are not accepted — the flat bank fee alone would consume the entire amount.