When it comes to money, clarity is everything.
At VitalSwap, we believe you deserve to know exactly what you’re paying for, no fine print, no surprise deductions and definitely no hidden fees.
In this post, we’re breaking down all our fees clearly so you can use your account and card with full confidence.
Why We Keep Our Fees Transparent
Too many digital platforms hide costs in technical terms or surprise you after transactions. We do things differently. Our goal is simple:
Make global finance accessible, affordable and honest.
That’s why:
- Our fees are fixed and predictable
- You’ll always know what you’re paying and why
- We don’t charge for what you don’t use
Here’s what it costs to use VitalSwap and why.
USD Bank Account
💳Freedom Card (Virtual Dollar Card)
Feature Fee
Card creation $1 (one-time)
Monthly maintenance $1/month
Card funding $0.50 per transaction
Spending/transaction fee 1% per transaction, capped at $5
You pay only $1 to create, then $1/month to keep your card active, no surprise charges.
Wallet-to-Wallet Transfers
Transaction Fee
VS Wallet → VS Wallet Free
USD Wallet → USD Wallet Free
Naira Wallet → Naira Wallet Free
You can send to any other VitalSwap user at zero cost.
🏢 Business Transfers & Checkout Integrations
Feature Fee
Business transfers / Checkout $2 per transaction, capped at $20
💱 Swap Offers (FX Conversion)
Feature Fee
FX spread 10–25 points, added to total offer rate
Swap offers show all rates upfront before you complete the transaction.
📌 What You’ll Never Pay For
❌ Hidden FX markup
❌ Account inactivity penalties
❌ Surprise “SMS alert” charges
❌ “Admin” fees you didn’t agree to
Why Customers Love Our Pricing
“I moved to VitalSwap because I was tired of my bank’s mysterious deductions. Here, I know what I’m paying for, and it’s worth it.”
— Daniel A., freelancer in Abuja
“Paying $1/month to keep my dollar card active? Way better than getting cut off right when I need to renew a subscription.”
— Faith O., social media manager
“I get charged exactly what I expect, nothing more. That’s rare in Nigeria.”
— Kemi A., eCommerce seller
🎯Final Thoughts: Simple Fees. No Surprises.
VitalSwap is built for Nigerians who want to:
- Earn globally
- Spend easily
- Stay in control of their financesOur fees are not just low, they’re fair, transparent and tailored to your hustle.
Ready to take control of your money with full transparency?
Sign up with VitalSwap and experience global finance, made simple.
