Fee schedule (illustrative)
The tables below are demo and illustrative only. They help you understand fee categories. Live fees appear in your product terms after verification and may differ by jurisdiction and package.
Account fees
| Item | Standard personal | Business starter | Notes |
|---|---|---|---|
| Monthly account fee | $0–$12 | $0–$25 | May be waived with activity thresholds |
| Paper statements | $5 / cycle | $5 / cycle | Electronic statements included |
| Inactivity (12+ months) | $10 / month | $15 / month | After notice where required |
| Account closure (within 90 days) | $0–$25 | $0–$40 | Package-specific |
| Additional user (business) | — | $3–$8 / user | After included seats |
Transfer fees
| Rail | Outgoing | Incoming | Notes |
|---|---|---|---|
| Domestic electronic | $0–$1 | $0 | Same-currency domestic |
| SEPA credit (EUR) | $0–$1 | $0 | When SEPA enabled |
| SWIFT wire | $15–$45 | $0–$15 | Intermediary banks may charge extra |
| Internal transfer | $0 | $0 | Between your RoyaleDirect balances |
| FX conversion margin | Illustrative 0.4%–1.5% over reference | Shown before confirm | |
| Repair / amendment | $20 | — | When beneficiary data is incorrect |
Cards and other fees
| Item | Fee | Notes |
|---|---|---|
| Virtual card issuance | $0–$2 | Per card on some packages |
| Physical card issuance | $5–$15 | Excludes courier upgrades |
| Card replacement | $5–$20 | Lost, stolen, or damaged |
| ATM cash withdrawal (out of network) | $2–$3 + operator fee | Operator fees vary |
| Expedited courier | $25–$60 | Region dependent |
| Investigation / trace | $25–$50 | Refunded if bank error proven |
| Incoming third-party check (if offered) | $10–$20 | Plus hold schedule |
Demo / illustrative fee schedule only. Confirm live fees in-product. Third-party and scheme fees can apply beyond RoyaleDirect charges.
How fee changes are communicated
Material fee changes are notified through authenticated channels and, where required, email or in-app banners before effective dates. Continued use after the effective date constitutes acceptance where permitted by applicable rules.
Frequently asked questions
Why do tables show ranges?
Packages and jurisdictions differ. Ranges illustrate typical bands for this demo site.
Will I see fees before sending a wire?
Yes. The confirmation screen itemizes RoyaleDirect fees and known FX spreads. Intermediary fees may still appear later.
Are ATM operator fees refunded?
Only if your package explicitly includes ATM fee rebates up to a cap.
Do declined cards incur fees?
Authorization declines generally do not; some networks may still post rare inquiry fees.
Can fees be negotiated?
Business and private banking schedules may be customized in writing.
What currency are fees charged in?
Usually your primary account currency, or as stated at confirmation.
Are taxes included?
Where VAT or similar applies, it will be shown separately when required.
Where is the legal fee disclosure?
See Disclosures and your account agreement after onboarding.
Compare fees with your usage
Open an account to see the live schedule for your package and jurisdiction.
Open account Talk to support