Early Adopters Fees

August 8, 2024

Click here for standard fees

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.

Onboarding

Billing itemEnd-user price2nd card / account +Period
Suggested yearly subscription0.00€0.00€Yearly
KYC Onboarding0.00€0.00€One-Off
Screening (2x per year)0.00€0.00€Yearly

Account

Billing itemEnd-user price2nd card / account +Period
Account issuing + activation0.00€0.00€One-Off
Account monthly0.00€0.00€Monthly
Account inactivity fees (after 3 months)1.99€1.99€Monthly
Account closing8.00€8.00€One-off

Account Transactions

Billing itemEnd-user price2nd card / account +Period
INTERNAL Trasactions (between user's own accounts)0.00€0.00€Per event
INTERLEDGER Trasactions (between users of SORA Card)0.22€0.22€Per event
SEPA incoming0.05€0.05€Per event
SEPA outgoing0.50€0.50€Per event
SWIFT incoming0.05€0.05€Per event
SWIFT outgoing20.00€20.00€Per event
Account Topup 3rd Party Cardint++ 3%int++ 3%Per event
Account Topup 3rd Party SoftPOSint++ 2%int++ 2%Per event
Account Topup Crypto1.0%1.0%Per event

Cards

Billing itemEnd-user price2nd card / account +Period
Physical card issuing0.00€5.00€One-Off
Physical card reissuing, renewal5.00€5.00€One-Off
Physical card replacement5.00€5.00€One-Off
Card delivery (cost, varies depending on country)0.00€2.00€One-Off
Virtual card issuing0.00€2.99€One-Off
Virtual card reissuing, renewal0.25€0.50€One-Off
Virtual card replacement0.25€0.50€One-Off
Card activation (physical, virtual)0.00€1.99€One-Off
Physical card monthly0.00€1.49€Monthly
Virtual card monthly0.00€1.49€Monthly
Card inactivity fees (after 3 months) - virtual0.00€0.99€Monthly
Card inactivity fees (after 3 months) - physical0.00€0.99€Monthly
Card blocking/unblocking, PIN unblocking0.00€0.00€Per event
Balance Inquiry ATM (virtual card)0.35€0.35€Per event
Balance Inquiry ATM (phyisical card, first event per month)0.00€0.00€Per event
Balance inquiry ATM (physical card, additional events per month)0.35€0.35€Per event
PIN change (first event)0.00€0.50€Per event
PIN change (additional events)0.50€0.50€Per event

Card Transactions

Billing itemEnd-user price2nd card / account +Period
Ledger load Fee (card account top-up)0.00€0.00€Per event
CARD PAYMENT EEA ONLINE0.22€
First 10 card payments are complementary (per month)
0.22€Per event
CARD PAYMENT EEA+ POS0.22€
First 10 card payments are complementary (per month)
0.22€Per event
CARD PAYMENT international ONLINE + FX0.90€ + 1,1%0.90€ + 1,1%Per event
CARD PAYMENT international POS + FX0.90€ + 1,1%0.90€ + 1,1%Per event
ATM EEA+ (+ ATM cost)1.2€ + 3.0%1.2€ + 3.0%Per event
ATM International*** (+ ATM cost)1.75€ + 3%1.75€ + 3%Per event
3D Secure SMS and/or SCA for online transactions0.09€0.09€Per item
3DS Card enrollment0.00€0.00€Monthly
SMS notification (excluding MC Secure Code and Visa Secure)0.00€0.00€Per event
Digital card monthly (Apple Pay, Google Pay) - per card0.00€0.00€Monthly
Google Pay - online or POS payment (on top)0.00%0.00%Monthly
Apple Pay - online or POS payment (on top)0.00%0.00%Monthly

Limits

Billing itemLimitPeriod
Cash Withdrawal Limit5,000€*per day
Spending Limit25,000€*per day
Daily Top-Up Limit30,000€per day
Monthly Top-Up Limit30,000€per month
Annual Top-Up Limit360,000€per year

Disclaimer: all fees are subject to change.

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


* Domestic means the EU Member States, Iceland, Liechtenstein and Norway.

** International means other countries and territories other than the EU Member States, Iceland, Lichtenstein and Norway.

*** Withdrawals in currency other than card currency are charged as international.

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