Fees & limits

FX spread under 0.5% on most corridors, on-ramp and off-ramp fees, tier limits, Cards and Treasury pointers, and no monthly fees.

Fees & limits

Transparent pricing — everything in one place.

FX conversion

WhatRate
FX spreadLess than 0.5% on most corridors
Mid-market comparisonOur rates benchmark to the real exchange rate you would see on public sources, with a spread under 0.5% on top for most corridors. We do not inflate the base rate or hide extra margin in the conversion.

Transfers

TypeFee
On-ramp (receive)Free
Off-ramp (send)Transfer fees vary by corridor and payment rail; full cost is shown before you confirm. If we have to update the price before sending, for example because your payment waits for an earlier one from your account, your recipient still gets the same amount, but the amount taken from your balance can change. If your balance doesn't cover the new amount, the payment fails and nothing is taken.
Internal (Echlon to Echlon)Free

Account limits

TierDaily send limitMonthly volume
Individual (verified)Up to $10,000Up to $50,000
Business (verified)Up to $100,000Custom

Your limits are set during onboarding based on the financial information you provide — including bank statements and reported transaction volume. If you need higher limits, contact support and we will review your account.

There are no set limits on receiving payments. However, large inbound transfers may be subject to review by our banking partners as part of standard compliance checks. This is normal for high-volume transactions across the industry — if a payment is held for review, you will be notified and we will work to resolve it quickly.

Cards

See Cards for more info on virtual cards, spend controls, and fees.

Treasury

Treasury yield rates are variable. Treasury products may charge an annual management fee that depends on the specific pool/strategy, and there is no performance fee. Any applicable Treasury-related fees are disclosed in the product experience. For how funds move from checking into Treasury, timing, risks, and tiers, see Treasury.

Account fees

No monthly account fees. No inactivity fees. No minimum balance. You only pay when you move money.

Still need help?

Have a question that isn't answered here? See our support channels, message us on WhatsApp at +1 (787) 468-5842, or open a support ticket — we typically respond within 24 hours.

Questions? [email protected]

Echlon is operated by Echlon Ltd.

Echlon is a financial technology company, not a bank. Banking services, including currency conversion and settlement, are provided by licensed partners. Echlon does not hold or custody user funds.

Yield figures (e.g. "up to 6.5% APY") are illustrative and not guaranteed. Actual rates may vary and are subject to change without notice. Past performance is not indicative of future results. Treasury products may involve technology risk, including smart contract risk. Only allocate funds you can afford to expose to these risks.

FX rates, transfer times, and fee estimates displayed on this site are representative and may vary by corridor, payment rail, and transaction size. Actual rates and settlement times are confirmed before each transaction. "Same day" settlement is available on select corridors and rails and is not guaranteed for all transfers.

Services may not be available in all jurisdictions. Account approval is subject to identity verification and compliance review. See our risk disclosure and terms of service for full details.