How are VaultLeap fees calculated?
VaultLeap fees are calculated using a tier-based pricing system, not raw transfer volume. Your applicable fee rate depends on your Rewards tier, which you can unlock through card spend (earning points) or by subscribing to the Pro tier. Fees are always shown before you confirm a transaction.
What Fees Does VaultLeap Charge?
VaultLeap applies a platform fee only when money moves between your bank and VaultLeap using supported bank rails such as: ACH (US), Wire (US), SEPA (EU), SPEI (Mexico)
On-chain transfers and internal transfers between your own VaultLeap wallets are always free.
Rewards Tiers and Fee Rates
Standard (0 – 29,999 points): Virtual account fee: 0.75% (Default tier for all users)
Pro (30,000 – 199,999 points): Virtual account fee: 0.65% (Unlocked by earning enough points or via subscription)
Zero (200,000+ points): Virtual account fee: 0.00% on up to $40,000 per calendar month (0.55% applies to amounts above $40,000). Monthly limits reset at the start of each calendar month and apply per account.
How Do I Unlock Higher Tiers?
Option 1: Earn Points Through Card Spend: 10 points = $1 of card spend. Points are tracked on a rolling 30-day window. As older points expire, your tier may upgrade or downgrade automatically.
Option 2: Pro Tier Subscription: Subscribe to Pro tier for $249/month ($199/month with annual billing). Instantly unlock Pro benefits without meeting the points threshold. Subscription does not grant points and does not unlock Zero tier.
What Is Always Free?
Creating your account
Holding balances
On-chain transfers
ACH, wire, SEPA, or SPEI transfers (VaultLeap fees)
Card purchases
Card reloads
International card transactions
Partner or network fees may still apply in some cases.
Important Notes: Points have no monetary value and cannot be sold, transferred, or redeemed for cash. Points expire automatically on a rolling 30-day basis. Tier thresholds, fee rates, and program rules may change over time. VaultLeap will always display applicable fees before you complete a transaction.