All fees, upfront

$0

Monthly, card & reload fees

No charge to have the account or use your card

0.75–0.55%

Virtual Account Transfers

Drops as you move up tiers

~0.5%

FX conversion

Partner spread only. $0 VaultLeap markup.

Move up tiers, pay less in fees

Higher tiers mean lower transfer fees. Unlock Pro or Zero to keep more of your money.

Standard

Send and receive money internationally. No spending requirements to get started.

Transfer Fee

0.75%

Default tier — no requirements

  • 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

Lower transfer fees. Earn Pro through card spend or subscribe for instant access.

Transfer Fee

0.65%

Spend $3K+/mo or subscribe

  • 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. For high-volume users.

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 tier requirements. Subscribe to Pro and get instant access to lower transfer fees from day one.

$249/mo

Save 20%

Cancel anytime. No long-term commitment.

VaultLeap Visa® Debit Card

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

Your money. Without borders.

Create your VaultLeap account in minutes.

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.

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.