Fees and limits
Everything NuviCard charges, in one table. There are no other fees.
Last updated 1 October 2026
| Virtual card | Free |
|---|---|
| Monthly fee | $0 |
| Top-up | 1% (min $1) |
| USD transactions | 0% |
| Foreign-currency transactions | 1.5% |
| Monthly spend limit | $10,000 |
| ATM withdrawals | Not available (virtual card) |
How foreign-currency purchases are charged
Non-USD purchases are converted at the Visa rate on the day of settlement plus 1.5%. The rate and the fee are shown separately in the transaction details in the app. Refunds in a foreign currency are converted at the rate on the day the refund settles, so the amount returned can differ slightly from the amount charged.
How top-ups are charged
The 1% top-up fee is taken from the amount you send, with a minimum of $1 per top-up. Bank transfers in your local currency are converted to dollars at the rate shown in the app before you confirm.
Limits
You can spend up to $10,000 per calendar month across all purchases. Because the card is virtual, cash withdrawals at ATMs are not available. A physical card is coming soon and will have its own fee schedule.
Questions about a charge? Write to support@nuvicard.com or read the help centre.