Neobank / Fintech Fees¶
Quick reference for currency exchange fees, allowances, weekend surcharges, and bank holiday rules.
Weekend Exchange Fees¶
| Provider | Weekend / Holiday Surcharge | Status (Now) | Window Start | Window End |
|---|---|---|---|---|
| Revolut | 1.0% on Standard 0.5% on Plus 0% on Premium, Metal & Ultra |
Loading… | Friday 17:00 ET (New York time) |
Sunday 18:00 ET (New York time) |
| Curve | 1.5% on Curve Pay / Lite 0% on paid tiers (Pay X, Pro, Pro+) |
Loading… | Friday 23:59 UTC + English bank holidays |
Sunday 23:59 UTC (or end of bank holiday) |
Exchange Fees¶
| Provider | Plan / Tier | Standard FX Markup & Free Allowance | Reset Date | Exchange Rate Calculator / Source |
|---|---|---|---|---|
| Revolut | Standard | Free up to €1,000 / mo, then 1.0% fee | Monthly renewal date | Revolut Currency Converter |
| Revolut | Plus | Free up to €3,000 / mo, then 0.5% fee | Monthly renewal date | |
| Revolut | Premium, Metal & Ultra | 0% fee (unlimited during market hours) | ||
| Wise | All accounts | Variable transparent fee (~0.33%–0.5%), 0% markup | Wise Currency Converter | |
| Trade Republic | All accounts | 0% markup on foreign card spending worldwide | Visa Exchange Rate Calculator | |
| Curve | Curve Pay (Lite / Free) | Free up to €250 / 30 days, then 2.5% fee | Rolling 30 days | Mastercard Currency Converter |
| Curve | Curve Pay X | Free up to €1,000 / 30 days, then 2.0% fee | Rolling 30 days | |
| Curve | Curve Pro (Black) | Free up to €2,000 / 30 days, then 2.0% fee | Rolling 30 days | |
| Curve | Curve Pro+ (Metal) | Unlimited fee-free exchange | ||
| N26 | All accounts | 0% markup on card spending abroad | Mastercard Currency Converter | |
| Lunar | Light & Standard | 1.0% markup on foreign card purchases | Visa Exchange Rate Calculator | |
| Lunar | Plus & Unlimited | 0% markup on foreign card purchases | ||
| bunq | Paid plans (Core, Pro, Elite) | 0.5% network fee on foreign card spending | Mastercard Currency Converter | |
| bunq | Free (Easy Card) | 0.5% fee up to €1,000 / yr, then 1.5% fee | Calendar year |
Reset Date types:
Monthly renewal date: Resets on the day of the month your account or plan started (e.g. every 14th). View your exact date in the app.
Rolling 30 days: No fixed monthly date. Your free allowance frees up gradually 30 days after each individual transaction.
Calendar year: Resets annually on January 1st.