BIX Card Fees & Spending Limits: What to Check

What fees does BIX publish?

The official reference lists a 3% standard purchase fee, 1% FX conversion, ATM withdrawals at US$1 + 0.6%, US$0.75 for authorizations below US$50, and US$0.65 for declined transactions. These are reference figures, not an all-in price for every payment. The app shows applicable current charges.

Compare the cost of your actual payment pattern

A person making a few large purchases needs a different comparison from someone making many small purchases. Separate the percentage component from fixed per-operation charges. Then check which events can trigger each fee and whether any fees apply together.

• For online shopping, check settlement currency and conversion.
• For everyday small purchases, review the small-authorization rule.
• For travel, check ATM fees, merchant currency choices and limits.
• For wallet transfers, check the relevant blockchain network fee separately.

How much can you spend?

For eligible international cards, the help center lists €30,000 per transaction, day and month; €75,000 per three months; and €100,000 per six months, per card. All caps apply together. The U.S. program has adjustable in-app limits and separate conditions.

Before you order

The current card guide lists a Virtual card at US$9.99 and a Plastic card at US$99 in supported destinations. Metal and Gold cards are marked coming soon. Card purchase price, shipping availability and ongoing usage costs are separate checks.

1. Confirm the card type available to your residence.
2. Read the fee schedule shown in your app.
3. Check limits against your expected use.
4. Confirm any benefit costs and conditions separately.

Sources and scope

This is an independent explanation of published information, not a test transaction or a personal recommendation. Check the current BIX fee reference, spending and ATM limits, card types, and network-fee explanation.