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1money-zero-price
Zero Platform Fees.
Low, Transparent Pricing.
1Money Pricing and Fees
Simple, usage-based pricing — no monthly minimums, no upfront costs, no hidden markups. Pay only for what you use.
NO monthly minimums
or spending requirementsScale your usage up or down—pay only for what you use
NO account opening feesOnboard instantly with zero setup costs
NO custody fees Hold zero or billions in assets at no additional costs
NO maintenance feesKeep your account active at no cost
NO balance requirementsFull flexibility—hold as much or as little as you need
NO limits on number of
digital walletsUnlimited wallets – create as many as you need
...and NO gas fees when using the 1Money Network!
Stablecoin
Conversion Fees
When you buy, sell or exchange stablecoins on 1Money, a conversion fee is charged. This fee is calculated at the time you make your transactions and may vary based on your selected payment method, currency, stablecoin, order size, market conditions, jurisdiction, distribution method, and other processing costs. 1Money includes a small spread within the conversion fee to increase the likelihood of a successful transaction and lock in your quoted conversion fee temporarily during transaction processing. The conversion fee may vary across similar transactions based on the factors listed above. Final conversion fee will be displayed on the preview screen before submitting the transaction.By submitting your transaction, you agree to pay the quoted fee. Conversion fee is automatically deducted from your fiat or stablecoin balance, as applicable, at the time the transaction is processed.
Fee schedule for buying/selling/exchanging stablecoins
Transaction typeStablecoinStarting
at conversion fee 2,3
Fiat ↔ StablecoinTier 0
Free
Tier I
10 bps
Tier II
15 bps
Stablecoin ↔ StablecoinAny stablecoin pair
10 bps
For other stablecoins or fiat currency pairs not listed above, please contact us at support@1money.com
Fiat Deposit and
Withdrawal Fees
Fees apply when depositing or withdrawing fiat from your 1Money account and vary by payment method, currency, and jurisdiction. These fees cover 1Money's payment processing and compliance costs.Final deposit/withdrawal fee will be displayed on the preview screen before submitting the transaction. By submitting your transaction, you agree to pay the quoted fee. Fees are automatically deducted from your fiat balance at the time the transaction is processed.
Fee schedule for fiat deposits/withdrawals
Country & CurrencyPayment methodDeposit feeWithdrawal fee
All 1Money Internal TransfersFreeFree
United States (USD)Same day ACH$0.55$0.55
U.S. Domestic wire$10.00$10.00
FedNow$0.50$1.50
RTP$0.50$1.50
International various (USD)International Wire (SWIFT)$10.00$25.00
Mexico (MXN)SPEI-0.48% + $2.00
Brazil (BRL)PIX-0.53% + $1.10
For other payment methods not listed above (e.g., international FX wire, PIX, SPEI), please contact us at support@1money.com
Virtual Account Fees
1Money offers virtual accounts to its customers with dedicated routing and account numbers. Any applicable virtual account fees will be automatically deducted from your fiat or stablecoin balance with 1Money.
Virtual account fees schedule
Fees description
Fees ($)
Virtual account opening
Free
Service fee for active virtual accounts
$1 per virtual account per month
Virtual account closing
Free
Stablecoin Deposit and
Withdrawal Fees
Stablecoin deposits to your 1Money wallet are FREE.Stablecoin withdrawals to external addresses incur blockchain network fees and compliance costs for reviewing and processing the withdrawal in line with applicable regulatory requirements. 1Money charges a withdrawal fee based on an estimate of these costs. The actual cost may differ from the estimate due to factors such as network congestion, transaction batching, or counterparty-related considerations.You will see the final withdrawal fee displayed on the preview screen before you submit the transaction. By submitting your transaction, you agree to pay this quoted fee, which will be automatically deducted from your stablecoin balance when the transaction is processed.
Billing and Fee Collection. Fees for transactions processed by 1Money USA, Inc. are assessed and charged at the time of each transaction and netted against the transaction amount in accordance with the fee schedule published on this page. For eligible commercial customers, 1Money may, in its discretion and pursuant to a separate written agreement, offer a monthly invoicing arrangement under which applicable transaction fees (including, but not limited to, fiat deposit and withdrawal fees, stablecoin fees, and virtual account fees) accrue during the calendar month and are billed via a consolidated invoice following month-end. Commercial customers on a monthly invoicing arrangement are subject to the additional terms (including payment terms) set forth in their agreement with 1Money.

Transaction-Level Display and Acceptance.For RFQ (Request for Quote) and comparable transactions, 1Money USA, Inc. displays the applicable spread, fee, or rate to the customer prior to execution. The displayed spread or fee is not indicative or illustrative; execution of the transaction constitutes the customer’s binding acceptance of the displayed spread or fee for billing purposes, whether such fee is charged at the time of transaction or included in a subsequent invoice.
  • 1. Fees listed on this page are subject to change with or without notice (please see your applicable customer account Terms and Conditions). Fees will always be displayed on the preview screen before submitting the transaction in order on your account.
  • 2. The 'starting at' conversion fee reflects the lowest rate typically available under favorable market and routing conditions. Actual fees may vary.
  • 3. 1Money connects with multiple partners and dynamically routes transactions to source the most cost-efficient execution path and minimize customer fees.
  • 4. Your sending/receiving bank may apply additional charges that are not controlled by 1Money - we recommend confirming any such charges with your provider in advance
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© 2026 1Money USA, Inc. All rights reserved.

1Money USA, Inc. (NMLS ID # 2628653) is a FinCEN-registered Money Services Business that offers its regulated products and services across the United States through its various money transmitter licenses or their jurisdictional equivalents, where applicable. For more licensing information, including regarding support and/or filing complaints, see our Licenses here. You may also consult www.nmlsconsumeraccess.org for additional information.1Money Bermuda Ltd. is a digital asset business licensed by the Bermuda Monetary Authority to operate as a digital asset exchange and services vendor, provide custodial wallet services, operate as a payments service provider, and issue, sell, and redeem digital assets.Neither 1Money USA, Inc. nor 1Money Bermuda Ltd. are licensed or chartered as depository institutions or directly offer or provide banking services. Digital assets are not bank deposits or other deposit accounts. Digital assets, including stablecoins, available through or from either of 1Money USA, Inc. or 1Money Bermuda Ltd., are not insured by the FDIC, SIPC, or any other public or private insurer, including against cyber theft or theft by other means. Neither 1Money USA, Inc. nor 1Money Bermuda Ltd. intend for any digital assets offered to its customers to constitute a securities offering or an investment in a securities offering.Stablecoins, including payment stablecoins are not legal tender, and are not be backed by the full faith and credit of the United States, guaranteed by the United States Government, subject to deposit insurance by the Federal Deposit Insurance Corporation, or subject to share insurance by the National Credit Union Administration.When you buy, sell, or convert digital assets on our platform, we will disclose the fees you will be charged for that transaction. See our fee schedule for more information.Virtual currencies and digital assets of all types, including stablecoins, are subject to a number of risks. Engaging in any activity regarding virtual currencies or digital assets may result in losses. Certain platforms that offer virtual currencies and digital assets may not be regulated and may not implement or maintain appropriate customer protections available with regulated platforms, products, and services. Accordingly, the level of risks may be too high for some based on their unique circumstances. Virtual currencies and digital assets, including stablecoins, may not be deemed not legal tender. While a person currently may be able to acquire and hold virtual currencies and digital assets, including stablecoins, there is a risk that, in the future, it may not be possible to transfer, trade, use, or redeem virtual currencies and digital assets, including stablecoins. The past performance of a virtual currency or digital asset is not a benchmark for future performance, nor is it a reliable indicator of future results or performance. Neither 1Money USA, Inc. nor 1Money Bermuda Ltd. makes any recommendations regarding buying or selling digital assets. Consider seeking advice from your professional, financial, or tax advisor.WARNING: LOSSES DUE TO FRAUDULENT OR ACCIDENTAL TRANSACTIONS MAY NOT BE RECOVERABLE AND TRANSACTIONS IN VIRTUAL CURRENCY ARE IRREVERSIBLE.Additional disclosures can be found on the Legal and Privacy page.