Fees
Last updated: 21 September 2026 · Applies to Alpha Monnaies accounts
These are the fees charged to Alpha Monnaies account holders for the payment, card, and account services provided in partnership with Equals Money. Each account is placed on a single fee tier, confirmed to you during onboarding and set out in the fee annex to your client agreement. Fees are exclusive of any taxes that may apply.
Every account is assigned one of three tiers — Bronze (Tier 1), Silver (Tier 2) or Gold (Tier 3). The tables below show all three so you can see the full range; the tier that applies to your account is the one stated in your agreement.
Amounts apply in £ for UK accounts and € for EU accounts. Faster Payments fees apply to UK accounts only.
| Fee | BronzeTier 1 | SilverTier 2 | GoldTier 3 |
|---|---|---|---|
| Payments | |||
| Inbound — Faster Payments (FPS) UK accounts onlyGBP received via UK Faster Payments. | 3 | 6 | 12 |
| Inbound — SEPAEUR received via SEPA. | 3 | 6 | 12 |
| Inbound — SWIFTCross-border payment received via SWIFT. | 30 | 48 | 90 |
| Inbound percentage feePercentage of the amount received. The greater of this or the flat fee above applies. | 0.15% | 0.25% | 0.40% |
| Outbound — Faster Payments (FPS) UK accounts onlyGBP sent via UK Faster Payments. | 15 | 15 | 15 |
| Outbound — SEPAEUR sent via SEPA. | 15 | 15 | 15 |
| Outbound — SWIFTCross-border payment sent via SWIFT. | 48 | 72 | 132 |
| Outbound percentage feePercentage of the amount sent. The greater of this or the flat fee above applies. | 0.15% | 0.25% | 0.40% |
| Currency conversion (FX) marginApplied when a payment converts between currencies, in addition to the outbound fee. | 3% | 3.5% | 5% |
| Internal transfersTransfers between accounts on the platform. Standard inbound and outbound fees apply on each side. | Charged | Charged | Charged |
| Cards | |||
| ATM withdrawalCash withdrawal at any ATM using a card issued under the programme. | 9 | 15 | 24 |
| ChargebackPer chargeback case raised, regardless of outcome. | 60 | 90 | 150 |
| Account | |||
| Account openingOne-off fee when an account is opened. | Free | 60 | 180 |
| Account feeRecurring monthly fee per open account. | 30 | 60 | 120 |
| Onboarding | |||
| Personal onboarding (KYC)Per personal verification started, whether approved or declined. | 30 | 60 | 120 |
| Business onboarding (KYB)Per business verification started, whether approved or declined. | 90 | 150 | 300 |
| Fee | BronzeTier 1 | SilverTier 2 | GoldTier 3 |
|---|---|---|---|
| Payments | |||
| Inbound — Faster Payments (FPS) UK accounts onlyGBP received via UK Faster Payments. | 1.50 | 3 | 7.50 |
| Inbound — SEPAEUR received via SEPA. | 1.50 | 3 | 7.50 |
| Inbound — SWIFTCross-border payment received via SWIFT. | 18 | 30 | 72 |
| Inbound percentage feePercentage of the amount received. The greater of this or the flat fee above applies. | 0.15% | 0.22% | 0.35% |
| Outbound — Faster Payments (FPS) UK accounts onlyGBP sent via UK Faster Payments. | 15 | 15 | 15 |
| Outbound — SEPAEUR sent via SEPA. | 15 | 15 | 15 |
| Outbound — SWIFTCross-border payment sent via SWIFT. | 30 | 48 | 108 |
| Outbound percentage feePercentage of the amount sent. The greater of this or the flat fee above applies. | 0.15% | 0.22% | 0.35% |
| Currency conversion (FX) marginApplied when a payment converts between currencies, in addition to the outbound fee. | 3% | 3.5% | 5% |
| Internal transfersTransfers between accounts on the platform. Standard inbound and outbound fees apply on each side. | Charged | Charged | Charged |
| Cards | |||
| ATM withdrawalCash withdrawal at any ATM using a card issued under the programme. | 6 | 12 | 21 |
| ChargebackPer chargeback case raised, regardless of outcome. | 60 | 90 | 150 |
| Account | |||
| Account openingOne-off fee when an account is opened. | Free | 30 | 120 |
| Account feeRecurring monthly fee per open account. | 12 | 30 | 72 |
| Onboarding | |||
| Personal onboarding (KYC)Per personal verification started, whether approved or declined. | 30 | 60 | 120 |
| Business onboarding (KYB)Per business verification started, whether approved or declined. | 90 | 150 | 300 |
How these fees apply
- Percentage payment fees — where an inbound or outbound percentage fee is shown, the charge is the greater of that percentage or the flat fee for the same payment.
- Currency conversion — the FX margin is applied on top of the outbound fee whenever a payment converts between currencies.
- Internal transfers — transfers between accounts on the platform are charged: the standard outbound fee applies to the sending account and the standard inbound fee to the receiving account.
- Account fee — charged monthly for each open account, in full for any month in which the account is open.
- Onboarding — an onboarding fee applies to every KYC/KYB verification started, whether the application is approved or declined. Onboarding fees may be waived subject to an agreed volume commitment.
- Minimum monthly volume — each tier is subject to a minimum monthly volume commitment, agreed with you at onboarding.
Questions
If anything here is unclear, email hello@alphamonnaies.io before you apply. The definitive fees for your account are those in the fee annex to your client agreement.