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The fee will be withdrawn directly from your account.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.

Fee: Free

Details: Free for all incoming transfers

Fee: Free

Details: No charge to receive, but sending party may incur fees on their side

The real-time conversion rate

The exact amount you’ll receive

The applied fee before you complete any transaction

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.

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.