Schedule of fees

Clear pricing, nothing buried in the small print.

This is what Settled costs. Your monthly subscription, payment and FX fees, card charges and account services, set out in one transparent schedule, in the same currency you bank in, with no surprises.

Subscriptions

Pick the plan that fits

Every plan includes dedicated IBANs, multi-currency balances and Visa Business cards. Internal Settled-to-Settled transfers are free. Monthly fees are billed annually in advance, covering 12 months.

Basic

€50/mo

For founders and small teams getting started.

  • 1 multi-currency account
  • 1 free virtual card
  • SEPA 0.1% · SWIFT 0.15%
  • FX from 1%
Get started
Most popular

Plus

€75/mo

For growing businesses that move more money.

  • 1 multi-currency account
  • 3 virtual + 1 physical card
  • SEPA 0.1% · SWIFT 0.15%
  • FX from 1%
Get started

Premium

€150/mo

For scale-ups with cross-border volume.

  • 2 multi-currency accounts
  • 5 virtual + 2 physical cards
  • VIP exchange fees
  • FX from 0.75%
Get started

All free cards include standard delivery. Onboarding from €250, charged once on a case-by-case basis.

What's included

Subscription & account services

Your monthly subscription covers the day-to-day services most businesses use every week, at no extra cost.

Payments & foreign exchange

Move and convert money

Percentage fees with sensible minimums, the same across Basic and Plus. Premium unlocks our best FX rates. Internal Settled-to-Settled transfers are free.

Settled Visa Business cards, physical and virtual
Card fees

Physical & virtual Visa cards

Issue virtual cards in seconds and order physical cards for your team. Pricing is the same across all plans, with free cards included on Plus and Premium.

  • Issuance, physical €15, virtual €3

    A one-time issuance fee per card. Card activation is free, and renewal or replacement of a physical card is €15.

  • Monthly fee, physical €10, virtual €3

    Charged on activation, covering a 12-month period. Free cards included with your plan carry no monthly fee.

  • ATM withdrawals, €3, plus 3% outside the EEA

    A flat €3 per withdrawal within the EEA and UK. Outside, €3 plus 3% of the amount.

  • Card FX, 3%

    Applied to card transactions made in a currency other than the card's currency.

Other fees

Onboarding & account changes

Occasional, one-off fees you'll meet only when something specific happens. Most businesses never see them after onboarding.

Onboarding, from €250

Charged once when you join, on a case-by-case basis depending on your industry and business profile.

Dormancy, €250

A one-time fee charged after six months of inactivity. Keep using your account and it never applies.

Account closure, €100

A single fee to close your Settled account, settling any final administration.

All fees are quoted exclusive of any taxes that may apply. Settled Ltd is authorised and regulated by the MFSA under the Financial Institutions Act (Cap. 376 of the Laws of Malta). For anything not listed here, ask our team.

Ready when you are

Transparent pricing, built for how you operate.

Open your Settled account today, or browse the wider plans and services to see which fits your business.

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