Fees & Limits
One Simple Fee.
Zero Surprises.
Rivocard charges a single transparent fee — 5% on the amount you load onto your virtual card. No monthly subscriptions, no hidden charges, no fine print. Load $100, pay $5 in fees. That’s it.
5% on Card Top-up — Nothing Else
One fee, fully transparent. Charged only when you load your card
0% on All Purchases
Spend your balance with zero transaction fees anywhere Visa is accepted
No Monthly Plans or Subscriptions
Pay only when you use the card — no recurring charges ever
✓
0% on Purchases
Spend freely, zero cost
⚡
Instant Load
Crypto & bank transfer
🌐
150+ Countries
Global acceptance
Complete Fee Summary
No Hidden Fees
Card CreationFREE
Card Top-up Fee5% of amount
Online Purchases0%
International Spend0%
Card Freeze / UnfreezeFREE
Card ReplacementFREE
Monthly SubscriptionNONE
5%
Top-up Fee Only
We charge 5% when you load funds onto your card. Load $100 → pay $5. Load $500 → pay $25. Fully transparent, always shown before you confirm.
0%
On All Purchases
Once your card is loaded, spend your balance freely. Zero transaction fees on purchases — online shopping, subscriptions, travel, ads, and more worldwide.
$0
No Subscription Fee
No monthly plans, no annual fees, no recurring charges. You pay only the 5% top-up fee when you choose to load your card. Use it as little or as much as you need.
How It Works
How the 5% Fee Works
Our pricing is as simple as it gets. We charge 5% of the amount you load onto your virtual card — and that is the only fee you will ever pay.
Once the funds are on your card, spend them anywhere Visa is accepted with absolutely zero additional fees on purchases.
Step 1 — Load Your Card
Choose how much to load (e.g. $200). A 5% fee ($10) is calculated and shown to you before you confirm. You load $200, you pay $210 total.
Step 2 — Receive Your Card Balance
Your virtual card is credited with $200. This is your spending balance — 100% available with no further deductions.
Step 3 — Spend with Zero Fees
Use your $200 balance freely at any Visa-accepted merchant worldwide. No hidden deductions, no per-transaction charges. Spend every cent.
Fee Calculator Example
You load $X
You load
$100
5% fee
$5
Card balance
$100
You load
$500
5% fee
$25
Card balance
$500
You load
$1,000
5% fee
$50
Card balance
$1,000
You load
$5,000
5% fee
$250
Card balance
$5,000
✓ The fee is shown clearly before you confirm any top-up. No surprises.
Complete Fee Reference
Every Fee Listed in One Place
Bookmark this page as your complete fee reference. If it is not listed here, we do not charge it.
Fee Type
Amount
Notes
Card Creation & Issuance
FREE
Instantly issued, no setup fee
Card Top-up / Loading Fee
5%
Charged on amount loaded. Shown before you confirm
Online Purchases (Visa)
0%
No fee on any purchase transaction
International Transactions
0%
Use globally with no extra charge
Crypto Top-up (USDT, BTC, ETH)
5%
Same 5% applies regardless of funding method
Bank Transfer Top-up
5%
Same 5% applies regardless of funding method
Card Freeze / Unfreeze
FREE
Manage card status anytime from dashboard
Card Replacement
FREE
Issue a new card instantly if compromised
Declined Transaction
FREE
No fee charged on failed or declined payments
Account Cancellation
FREE
Cancel anytime with no exit penalty
Monthly / Annual Subscription
NONE
We do not have subscription plans
Spending Limits
Know Your Spending Limits
Spending limits are based on your identity verification level. Complete KYC to unlock higher limits and get full access to your card’s capabilities.
Per Transaction Limit
Basic KYC$500
Full KYC$5,000
Enhanced KYC$10,000
Daily Spend Limit
Basic KYC$1,000
Full KYC$10,000
Enhanced KYC$50,000
Monthly Spend Limit
Basic KYC$5,000
Full KYC$50,000
Enhanced KYCUnlimited
Card Load Limit
Basic KYC$2,000
Full KYC$20,000
Enhanced KYC$100,000
Always Free
These Are Always Free — No Exceptions
Card Creation & Issuance
Get your virtual Visa card instantly with zero issuance or setup fee
All Online Purchases
Zero transaction fee on every online purchase — shop, subscribe, advertise worldwide
Card Freeze & Unfreeze
Pause or reactivate your card instantly from your dashboard, anytime
Card Replacement
Issue a new card immediately if yours is compromised — no replacement fee ever
Declined Transactions
No fee charged if a payment fails or is declined for any reason
Account Cancellation
Close your account whenever you want with absolutely no exit or cancellation fee
FAQ
Frequently Asked Questions About Fees
The 5% fee is charged on the amount you load (top-up) onto your virtual card. For example, if you load $200, you pay a $10 fee (5% of $200). Your card balance will be $200. There are no other fees — purchases, international transactions, and card management are all free.
No — absolutely not. The 5% top-up fee is the only fee Rivocard charges. There are no monthly subscriptions, no transaction fees, no inactivity fees, no cancellation fees, and no hidden charges. Every fee is displayed clearly before you confirm any action.
Yes — the 5% fee is applied each time you load funds onto your card, regardless of the loading method (crypto or bank transfer). To minimize fee impact, consider loading larger amounts less frequently rather than many small top-ups.
No — zero. Once your card is loaded, every purchase you make is completely free with 0% transaction fee. Whether you are shopping online, paying for subscriptions, booking travel, or running ads on Google or Meta — all purchases are fee-free.
No. Rivocard does not have subscription plans. We do not charge any monthly, quarterly, or annual fee. You only pay the 5% fee when you choose to load money onto your card. If you do not load, you do not pay anything.
Spending limits are tied to your KYC (identity verification) level. Completing full KYC unlocks significantly higher per-transaction, daily, and monthly limits. Enhanced KYC users get the highest available limits. Contact our support team to start the verification upgrade process.
Simple & Transparent
Just 5% to Load.
0% to Spend.
0% to Spend.
Create your Rivocard for free today. Load your card with crypto or bank transfer, pay one simple 5% fee, and spend your balance globally with zero purchase fees. No plans. No surprises. No fine print.
Create My Free Card →FREE Card Creation
5% Top-up Fee Only
0% Purchase Fee
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