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Changex Fees
Complete list of all fees for Changex card, banking, and crypto services. Transparent pricing with no hidden charges.
Account Charges
Account opening
0 EURMonthly maintenance fee
0 EURClassic card*
29 EURLimited Edition Virtual card*
99 EURMetal card*
199 EURClassic Virtual Card reissuance fee*
1 EURClassic Physical Card reissuance fee*
29 EURCashback (* in USDC)
Classic and Limited Edition cardholders
0.5% EURMetal cardholders
1% EURCrypto to Fiat Charges
Top up*
0%Card Maintenance & Closing
Card account statement (digital)
0 EURCard unblocking
0 EURInward transfers EUR (Internal)
0 EURInward transfers EUR (External)
0 EURTransaction Charges
ATM (Domestic***)
1 EURATM (International***)
2.5% + 2 EURATM Decline fee
0.5 EURCash withdrawal in currency other than Card currency
2.5% + 2 EURATM decline (insufficient funds)
1 EURCard PIN change
0.5 EURBalance inquiry in ATM
0.5 EURUsage Charges
Card payment (Domestic***)first 100 transactions per month
0 EURCard payment (International***)
2.5% + 1 EURTransaction Decline / Return Feefirst 10 declined transactions per month
0 EURExpress outgoing payments in EUR within SEPA zone
1 EURNon-active card maintenance fees, per monthfirst 4 months
0 EURIBAN Dormant account maintenance, per monthfirst 5 months
0 EURFair Usage Charges
Card payment (Domestic***)after 100 transactions per month
0.5 EURTransaction Decline / Return Feeafter 10 declined transactions per month
0.25 EURNon-active card maintenance fees, per monthafter 4 months
1 EURIBAN Dormant account maintenance, per monthafter 5 months
1 EUROther Transaction Charges
Payment investigation, cancellation, correction
23 EURCourier services
0 EURReview of unjustified claim
25 EUROther Account Charges
Paper account statement (physical copy) for period within current calendar yearper page
5 EURPaper account statement (physical copy) for period in previous calendar yearsper page
7 EUR* Fees charged and Cashback offered by Holyheld.
** To see the full list of fees covered by Holyheld please visit Unlimit.
*** Domestic means the EU Member States, Iceland, Liechtenstein and Norway. International means other countries and territories other than the EU Member States, Iceland, Liechtenstein and Norway.