Pricing & Fees

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

Rates verified as of 5 October 2026.

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)

Fees apply to USDC transfers to and from your Devdraft wallet, charged as a percentage plus a flat fee. Whether you’re sending or receiving affects the rate:

Movement	Sending	Receiving
External — to or from an address outside Devdraft	1.3% + $2.00	1.0% + $1.30
Internal — between Devdraft wallets	1.0% + $1.00	1.0% + $1.00
Local — regional and mobile-money corridors	6.0% (forex charge)	6.0% (forex charge)

The 6% local rate is a foreign exchange charge, not a transfer fee — it applies when value crosses currencies on a regional corridor, which is why there’s no flat component. External and internal transfers stay in the same currency, so they’re priced as percentage + flat instead.

Examples:

• Sending $100 externally costs $3.30 (1.3% + $2.00)
• Receiving $100 externally costs $2.30 (1.0% + $1.30)
• A $100 local movement costs $6.00, entirely forex

Small External Sends

Outgoing external wallet sends below $100.00 carry an additional $2.00 surcharge on top of the standard rate:

Amount Sent	Fee	Effective Rate
$10.00	$4.13	41.3%
$50.00	$4.65	9.3%
$99.99	$5.30	5.3%
$100.00	$3.30	3.3%
$500.00	$8.50	1.7%

The surcharge drops away entirely at exactly $100 — sending $99.99 costs $5.30, while sending $100.00 costs $3.30. 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.

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 returned bank payout currently carries no additional return fee.

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%).

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