Introduction

This Fees and Charges Schedule lists all standard fees, limits, and pricing related to Evolution Ltd accounts, cards, payments, FX, withdrawals, and optional services. Fees depend on your plan type, transaction type, currency, and region. Some fees may vary based on regulatory or network changes.

All fees are charged in the currency of your account unless otherwise stated. If a fee applies to a card transaction or payment in another currency, we may convert the amount using applicable FX rates.

1. Monthly Account Plans

Depending on your selected plan, monthly subscription fees may apply. Plan benefits, limits, and allowances are shown in the app and may vary by country.

Standard plan
No monthly fee

Plus plan
Monthly fee: €4.99

Premium plan
Monthly fee: €9.99

Metal plan
Monthly fee: €16.99

Business plans
Business Standard: €0
Business Grow: €9.99
Business Scale: €29.99
Enterprise plans: Custom pricing

2. Card Fees

Physical debit card
Free for eligible plans
Replacement card: €10
Express delivery: €12–€25 depending on location

Virtual card
Free

Metal card
Included in Metal plan
Replacement metal card: €20

Card purchases
Free

Card payments in foreign currencies
0 to 1 percent depending on plan

Card chargebacks
€0 if you win the dispute
€25 if the merchant wins

3. ATM Withdrawals

Domestic ATM withdrawals
First €200 to €600 per month free depending on plan
After free allowance: €0.99 per withdrawal

International ATM withdrawals
€2 or 2 percent per withdrawal, whichever is higher

ATM balance inquiry
€0.50

Some ATM operators may charge their own fee, which Evolution does not control.

4. Transfers and Payments

SEPA transfers
Outgoing SEPA: Free
Incoming SEPA: Free

SEPA Instant
Free where supported

International transfers
Outgoing international transfer: €3–€10 depending on country
Incoming international transfer: €0–€5
Intermediary bank fees: may apply and are not set by Evolution

Returned or rejected transfers
€0 to €3 depending on the cause and plan type

5. FX and Currency Conversion

Exchange rates may include a markup or spread. Rates depend on currency pair, liquidity, and market conditions.

Standard plan
0.5 percent markup

Plus plan
0.3 percent markup

Premium plan
0.15 percent markup

Metal plan
Major currencies: 0 percent markup
Minor currencies: standard markup applies

Weekend FX adjustment
1 percent additional markup

6. Lending and Credit Fees

Loan origination fee
0 to 2 percent depending on product

Late payment fee
€5 to €20 depending on loan size

Overdraft interest
12 to 18 percent APR

Early repayment fee
No fee

7. Crypto Fees

(If crypto services are available in your region)

Crypto buy and sell
0.5 to 1.5 percent

Crypto-to-crypto exchange
0.5 to 1.5 percent

Crypto custody
No fee

Network fees
Charged by the blockchain network, not Evolution

Crypto assets are not covered by deposit insurance.

8. Business Account Fees

Business incoming transfers
Free

Business outgoing SEPA
Free

Business SWIFT
€5

Employee cards
€0 to €5 per month depending on plan

Bulk payments
€0.01 per payment

Merchant acquiring fees
Example: 1.2 percent plus €0.20 per transaction
Custom pricing may apply for high volume merchants

9. Cash Services

Cash deposit through eligible partners
1 percent or €1 minimum

Cash withdrawal over limits
International: €2 or 2 percent
Domestic: €0.99 after free allowance

10. Account Administration Fees

Paper statements
€3 each

Document retrieval
€10

Dormant account fee
€5 per month after 12 months of inactivity

Account closure
Free unless negative balance or unresolved issues exist

11. Disputes and Chargebacks

Chargeback filing
Free

Chargeback lost
€25

Compliance investigation fee
€50 per hour only in exceptional cases

12. Special or Optional Services

Metal card upgrade
€50 one-time fee if upgrading mid-plan

Replacement of lost premium cards
€10

Travel insurance
Included in eligible plans; some add-ons may cost extra

Lounge access
€25 per visit where available

API enterprise integration
Custom pricing

13. Changes to Fees

We may update fees to reflect:

Regulatory requirements
Market conditions
Network pricing
Operational needs

Where legally required, we will provide advance notice.
If you continue to use Evolution services after changes take effect, you accept the updated fees.

14. Contact Information

Evolution Ltd
[Registered Address]
[Support Email]
[Website]