VaultLeap Pricing: $0

for card use

Card use is always free. One small fee applies when sending or receiving money through your account - it shrinks the more you spend on your card.

0%

Intl Card Fees

$0

Wire Transfers

$0

ACH, SEPA & SPEI

$0

Monthly Fees

Visa® Debit Card

USD, EUR, MXN & BRL Accounts

Unlimited Transfers

On-Chain Payments

FX at Mid-Market

Rewards & Tiers

All fees, upfront

$0

Monthly, card & reload fees

No charge to have the account or use your card

0.55–0.75%

Sending & Receiving

Shrinks as you spend on your card

~0.5%

FX conversion

Partner spread only. $0 VaultLeap markup.

The more you spend, the less you pay

Every $1 spent on your VaultLeap card reduces your incoming transfer fee.

Standard

Send and receive money internationally. No card spend required to get started.

Transfer Fee

0.75%

No card spend required

  • Visa® Debit Card
  • USD, EUR, MXN & BRL accounts
  • Unlimited transfers (ACH, wire, SEPA, SPEI, PIX, onchain)
  • Mid-market FX rates
  • Email support

No credit card required

Most Popular

Pro

Reduce your transfer fee by spending $3K+/mo on your card.

Transfer Fee

0.65%

Spend $3K+/mo on your card

  • Visa® Debit Card
  • USD, EUR, MXN & BRL accounts
  • Unlimited transfers (ACH, wire, SEPA, SPEI, PIX, onchain)
  • Mid-market FX rates
  • 10% referral bonus
  • QuickBooks sync
  • Priority support

Earn your way in or subscribe

Zero

Pay nothing on incoming transfers. Spend $20K+/mo on your card.

Transfer Fee

0.00%

Spend $20K+/mo on your card

Up to $40k/month. 0.55% thereafter.

  • Visa® Debit Card
  • USD, EUR, MXN & BRL accounts
  • Unlimited transfers (ACH, wire, SEPA, SPEI, PIX, onchain)
  • Mid-market FX rates
  • 10% referral bonus
  • QuickBooks sync
  • 0% transfer fee up to $40k/mo
  • Dedicated support

Requires VaultLeap Visa® Card

Prefer Predictable Pricing?

Skip the card spend requirement. Subscribe to Pro and get instant access to lower transfer fees from day one.

$249/mo

Save 20%

Cancel anytime. No long-term commitment.

Frequently Asked Questions

Your tier is based on how much you spend on your VaultLeap card each month. Spend $3K+/mo and you're on Pro (0.65% transfer fee). Spend $20K+/mo and you're on Zero (0.00% up to $40k). Your tier updates automatically every 30 days.

You can subscribe to Pro for $249/mo ($199/mo annually) and get the lower transfer fee from day one - no card spend required.

The transfer fee applies to money sent or received through your virtual account. Card purchases, monthly fees, and reloads are always $0.

Yes. Eligibility is based on your registered entity, not your physical location. If you have a US LLC or US bank account, you can apply.

Yes, cancel anytime. Your Pro rate stays active until the end of your billing period. After that your tier reverts to Standard unless your card spend qualifies you for Pro.

Your money. Without borders.

Create your VaultLeap account in minutes.

Availability

Virtual Accounts & Transfers

60+ countries across the Americas, Europe, Asia, and Africa

Visa® Debit Card

United States, select Latin American countries, and select African regions

Additional countries launching through 2026.

Disclosures

  • Virtual account fees range from 0.75% → 0.00%, with 0.55% overage above Zero tier monthly limits ($40k).
  • FX rates are sourced directly from regulated liquidity partners. VaultLeap does not add its own markup.
  • VaultLeap does not charge monthly, reload, or international transaction fees for card usage.
  • The VaultLeap Visa® Debit Card is issued by Lead Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
  • VaultLeap is a financial technology company, not a bank. Banking and payment services are provided by regulated partner institutions.