Sending Money
Kixy-to-Kixy Payments
Fee: Free
Details: Enjoy free instant transfers between Kixy users in any currency, anywhere in the world
Other UK Payments
Fee: Free
Details: Transfers to other UK financial services or banks are usually completed instantly. However, some payments may be completed the same day or within 24 hours
🧠 If you’ve reached your daily sending limit, you’ll receive a notification in the app
International Transfers
Currency & Region | Fee | Delivery Time |
EUR - Euro | €1 | 1 Business Day |
USD - US Dollar | £6-8 | 1-5 Business Days |
CAD – Canadian Dollar | £6-8 | 1-5 Business Days |
CHF – Swiss Franc | £6-8 | 1-5 Business Days |
CZK – Czech Koruna | £6-8 | 1-5 Business Days |
DKK – Danish Krone | £6-8 | 1-5 Business Days |
HUF – Hungarian Forint | £6-8 | 1-5 Business Days |
NOK – Norwegian Krone | £6-8 | 1-5 Business Days |
PLN – Polish Zloty | £6-8 | 1-5 Business Days |
RON – Romanian Leu | £6-8 | 1-5 Business Days |
SEK – Swedish Krona | £6-8 | 1-5 Business Days |
The fee is based on the destination bank, country, currency and current market rates
The fee will be withdrawn directly from your account. For instance, if a you make a SWIFT transfer from your USD account, an amount equivalent to 6–8 GBP will be deducted from their balance.
We process payments using SEPA or SWIFT, depending on the your account currency.
For EUR (Euro) accounts, we use SEPA (Single Euro Payments Area), which enables fast, low-cost euro transfers across Europe, typically completing within 1 business day.
For all other currencies, we use SWIFT (Society for Worldwide Interbank Financial Telecommunication), a global payment network. SWIFT payments usually take 1-5 business days to send or receive, depending on the destination and intermediary banks involved.
🧠 You will always see the exact fee and exchange rate before confirming your transfer
Receiving Money
From UK Senders
Fee: Free
Details: Free for all incoming transfers
From International Senders
Fee: Free
Details: No charge to receive, but sending party may incur fees on their side
Scheduled Payments
We offer the ability to set up scheduled payments, including direct debits and subscriptions to Channels.
If a scheduled payment fails because of insufficient funds, there’s no fee, but the payment will be automatically canceled. In that case, you will need to set up the payment again.
Offline Transactions
Offline transactions occur when a card payment is authorised without an immediate internet connection — for example, on public transport, airplanes, or certain contactless terminals. These payments may not reflect in your account right away but are still deducted later, which can temporarily bring your account into a negative balance.
If your account goes into a negative balance due to an offline transaction:
Simply top up your account using a bank transfer or linked payment method.
Once your balance returns to £0 or higher, your account will be considered in good standing again.
🧠 We do not offer overdraft facilities, so it’s important to keep your balance above zero to avoid disruption to your account
Converting Money
When sending money in a different currency, Kixy applies a small fee on top of the base exchange rate. Here’s how it works:
Conversion Type | Fee |
All Currency Conversions | Confirmed before you complete any conversion |
How We Calculate The Rate
We use the mid-market exchange rate provided by XE.com, a globally trusted currency authority. This is the rate you’ll often see on financial news sites or Google.
You’ll always see:
The real-time conversion rate
The exact amount you’ll receive
The applied fee before you complete any transaction
🧠 We believe in full transparency - no hidden markups or surprise fees.
What you see is exactly what you pay
Card Fees
Kixy Debit Card
Card Service | Fee |
First Kixy Debit Card | £4.99 (Delivery fee) |
Replacement Kixy Card | £4.99 (Delivery fee) |
Kixy typically charges a delivery fee for issuing physical debit cards. However, under certain circumstances, this fee may be waived. For example, we may choose to waive the delivery fee as part of a promotional offer, during account upgrades, or to resolve a service-related issue.
These waivers are granted at Kixy’s discretion and are assessed on a case-by-case basis.
Using Your Card
Type of Use | Fee |
UK Payments | Free |
International Payments | Free |
UK ATM Withdrawals | Free - Some ATMs may apply their own fees |
International ATM Withdrawals | Free - Some ATMs may apply their own fees |
While Kixy does not charge a fee for ATM withdrawals, please note that some ATMs in the UK or abroad may apply their own usage fees. These fees are set by the ATM provider and are outside of Kixy’s control.
When using the card abroad, it’s also possible that foreign transaction fees may be charged by ATM operators or merchants, depending on the local provider.
Card ATM Withdrawal Limits
Type of Limit | Amount |
Individual ATM Withdrawal Limit | £250 |
Daily ATM Withdrawal Limit | £1,000 |
Daily ATM Transaction Limit | 10 per day |
Weekly ATM Withdrawal Limit | £7,000 |
Weekly ATM Transaction Limit | 24 per 7 days |
Monthly ATM Withdrawal Limit | £16,000 |
Monthly ATM Transaction Limit | 120 per 30 days |
Card Spend Limits
Type of Limit | Amount |
Individual Spend Limit | £4,000 |
Daily Spend Limit | £4,000 |
Daily Transaction Limit | 10 per day |
Weekly Spend Limit | £28,000 |
Weekly Transaction Limit | 70 per 7 days |
Monthly Spend Limit | £250,000 |
Monthly Transaction Limit | 120 per 30 days |
Account Fees
Service | Fee |
Monthly Account Fee | Free |
Account Setup | Free |
Account Closure | Free |
Inactivity Fee | Free |