What are VaultLeap's fees?
VaultLeap uses a tier-based pricing model designed to keep fees simple and transparent. Your fees depend on your Rewards tier, which you unlock by earning points through card spend or by subscribing to Pro.
Virtual Account Transfer Fees (USD & EUR)
VaultLeap applies a platform fee only when money moves between your bank and VaultLeap using supported bank rails such as ACH, SEPA, wire, or SPEI.
Your applicable fee rate depends on your current Rewards tier.
Rewards Tiers
Standard (0 – 29,999 points): Virtual account fee: 0.75%
Pro (30,000 – 199,999 points): Virtual account fee: 0.65%
Zero (200,000+ points): Virtual account fee: 0.00% on up to $40,000 per calendar month (0.55% applies to volume above $40,000)
How Do I Unlock Lower Fees?
Earn Points Through Card Spend: 10 points = $1 of card spend. Points are tracked on a rolling 30-day window. As you earn more points, you unlock higher tiers automatically.
Pro Tier Subscription: Subscribe to Pro tier for $249/month ($199/month with annual billing). Get Pro benefits instantly without meeting the points threshold. Subscription does not grant points and does not unlock Zero tier.
What's Free on VaultLeap?
Creating your account
Holding balances
On-chain transfers
ACH transfers (US)
Wire transfers (US)
SEPA transfers (EU)
SPEI transfers (Mexico)
Card purchases
Card reloads
International card transactions
VaultLeap Visa® Debit Card Fees
Monthly fee: $0
Per purchase: $0
Reload fee: $0
International transaction fee: 0%
ATM withdrawals: Not supported
Using your VaultLeap card never incurs VaultLeap fees and helps you earn points to unlock lower transfer fees.
Currency Exchange Fees
VaultLeap provides real-time FX rates sourced from regulated banking and liquidity partners.
FX spread: typically 0.50%–0.55%, depending on the currency pair
VaultLeap markup: $0
Rates are shown upfront before you confirm a transfer
FX spreads are separate from virtual account platform fees.
Important Notes: Points have no cash value and cannot be sold, transferred, or redeemed for money. Points expire on a rolling 30-day basis. Fees and tier thresholds may change over time. VaultLeap will always show applicable fees before you confirm a transaction.