> ## Documentation Index
> Fetch the complete documentation index at: https://devdraft.ai/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# 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.*

> [!TIP]
>
> The [pricing page](https://www.devdraft.ai/pricing) reads these rates live from our settings and has a calculator for your own amounts.

> [!WARNING]
>
> 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.

## 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**

### 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% |

> [!WARNING]
>
> 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.

## 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](https://www.devdraft.ai/pricing), 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 |

> [!NOTE]
>
> 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.

## 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 |

> [!NOTE]
>
> 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.

## Virtual Accounts

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

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

## 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%).

> [!WARNING]
>
> Collections of **\$1.00 or less** are not accepted — the flat bank fee alone would consume the entire amount.


This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.