VaultLeap Visa® Debit Card
VaultLeap Pricing: $0
for card use
Card use is always free. One simple transfer fee applies to account transfers — it drops as you move up tiers.
Free Visa® Debit Card
Multi-Currency Accounts
$0 Wire & Rail Fees
On-Chain Payments
Transparent FX Fees
Rewards & Tiers
All fees, upfront
$0
Monthly, card & reload fees
No charge to have the account or use your card
0.75–0.65%
Transfer Fee
Charged when money enters or leaves your account via wire, ACH, SEPA, or SPEI. Drops as you move up tiers — Pro pays 0.65%, Zero pays 0%.
~0.5%
FX conversion fee
~0.5% partner pass-through on all tiers. No 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 accounts
- Unlimited transfers (ACH, wire, SEPA, SPEI, onchain)
- Low FX fees (~0.5%)
- Email support
Pro
Lower transfer fees, 2x points on every transaction, and priority support.
Transfer Fee
0.65%
$14.99/mo or earn with $3K+/mo card spend
- Visa® Debit Card
- USD, EUR & MXN accounts
- Unlimited transfers (ACH, wire, SEPA, SPEI, onchain)
- Low FX fees (~0.5%)
- Low FX fees (~0.5%)
- 2x points on all transactions
- Free Money Clock shipping
- Priority support
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 accounts
- Unlimited transfers (ACH, wire, SEPA, SPEI, onchain)
- Low FX fees (~0.5%)
- 10% referral bonus
- QuickBooks sync
- 0% transfer fee up to $40k/mo
- Dedicated support
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 $14.99/mo and get the lower transfer fee from day one — plus 2x points and priority support.
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 conversion fee: ~0.5% partner pass-through on all tiers. No VaultLeap markup.
- VaultLeap does not charge monthly, reload, or international transaction fees for card usage.
- The VaultLeap Visa® Debit Card is issued by Lead Bank, 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.