Are there fees for using my WeSwap card?

Our mission is to make travel money as cheap, easy and fair for everyone as possible, and we’re super clear about our fees. Always low, always transparent.  

WeSwap Card cost: 

Zero. Zip. Zilch. 

Currency Swap fee: 

Always shown upfront. Compare rates and pick what works best for you: 

  • 7 Day Swap - 1.0% 
  • 3 Day Swap - 1.3% 
  • Instant Swap - 2.0%* 
  • Smart Swap - 2.0%*

    *For all users who registered prior to 08/05/2017, the instant and Smart Swap fee is 1.4%. 

Transaction fees in one of the 18 wallet currencies: 

Nope - none. 

Transaction fees in all the other currencies: 

We’ll exchange the transaction amount to the equivalent home currency amount using the Mastercard foreign exchange rate, at the same fee as our 2% instant swap fee.   

ATM Fees: 

2.5% fee charged for any withdrawal amount above the £250 (or equivalent). 

Resets every month.

Contactless: There are no fees for contactless transactions.


Certain other services we provide are costly to us due to third party fees, so for these we need to charge a small, fair fee to cover our costs. The main ones are: 

Lost card replacement fee: 

£4.95 (or equivalent in another currency). 

Refund fee: 

£5 for a bank or debit card transfer. 

Remember, you can always spend or withdraw leftover balance instead. 

Inactivity fee

£2 - This is chargeable if there is no activity on your Account for a consecutive period of 12 months.

Expired Card Management fee for no usage

£2 – This is charged 12 months after expiry. Applied per month on expired cards with leftover balances.

See here for the full list of our fees and limits.

And if you fancy comparing us to other options, you can do that here too!


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