Fees

May 8, 2023


The first 5000 applicants will not pay yearly or monthly fees for the first 2 years. Only fees according to their usage will be charged to their account.*

* Usage fees are necessary to cover the costs of banking and card service partners, who handle financial transactions. These fees are a financially sustainable way for SORA to provide its services while ensuring the privacy and security of users. It's important to remember that if a product is free, you are likely the product being sold. With SORA, you can trust that your personal information is not being used for profit. So, paying the usage fees is a small price to pay for the peace of mind that comes with using a secure and reliable platform like SORA Card.

IBAN/SEPA Transaction Fees

ActionAmountRecurrence/Conditions
Account to account transfer fee (interledger)€0.22per transaction
Incoming/outgoing transaction fee (SEPA, SEPA instant)0.1% + €0.40per transaction
BACS, CHAPS, ACH0.1% + €1.10per transaction
IBAN/ledger load fee (card transfer)€0per transaction

FX Conversion Fees

ActionAmountRecurrence/Conditions
FXT1 0.7%, T2 1%, T3 2.2%, T4 per caseof transaction volume, currency dependent

Card and Account Fees

ActionAmountRecurrence/Conditions
Account/card top-up with 3rd party debit or credit card through ecommerce transaction2.5%of transaction volume + interchange + card scheme costs
Account/card top-up with 3rd party debit or credit card through softPOS transaction—card present1.5%of transaction volume + interchange + card scheme costs
Inactivity cost (negative interest rate on Euro IBANs)0.06%monthly, included in account fee for balances under €1,500 only
POS/online purchases10 complementary purchasesper month;
€0.22per purchase after that
Virtual cardfirst card is paid by SORA community;
additional cards paid by user €2per virtual card issued
Monthly card maintenance fee€0 / €0.99 if the card is not used at least 3x per monthpaid by SORA community for the first 5000 users
Membership fee€0offered by the SORA community
3D secure fee€0.18per attempt
ATM domestic€1.20 + 0.5%per transaction, additional costs may apply depending on the ATM provider
ATM EEA+UK€1.20 + 0.8%per transaction, additional costs may apply depending on the ATM provider
ATM international€1.20 + 3%per transaction, additional costs may apply depending on the ATM provider
ATM operations€0plus costs if any (decline etc.)
Foreign currency purchases / ATM€0.65 + 0.2%plus FX costs if any
ATM balance inquiry€0.65plus costs if any
Load fee (card, direct)0%of load amount + bank transfer fees
Exchange fee XOR<>EUR1.95%of load amount + bank transfer fees

Limits

ActionAmountRecurrence/Conditions
Cash Withdrawl LimitEUR 5,000*
* Will be higher for upcoming higher tier card programs. ATM limits need to be observed.
per day
Spending LimitEUR 25,000*
* Will be higher for upcoming higher tier card programs.
per day
Daily Top-Up LimitEUR 30,000per day
Monthly Top-Up LimitEUR 30,000per month
Annual Top-Up LimitEUR 360,000per year

Disclaimer: all fees are subject to change.

Refer to this article for further details on Fees and Limits.

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