> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fizen.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Fees & Limits

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***

## Fees

| Fee                                | Standard                                | Applicable Now                          |
| ---------------------------------- | --------------------------------------- | --------------------------------------- |
| Virtual Card Issuance              | \$9.99                                  | Free for pre-registered users           |
| Monthly Maintenance (active card)  | $0 if spending ≥ $500 / \$1.50 if under | Free (first month)                      |
| FX Fee (non-USD payments)          | 1%                                      | 1%                                      |
| Crypto → Fiat Conversion           | 0.5%                                    | 0.5%                                    |
| Small transaction fee (under \$50) | \$0.50                                  | \$0.50                                  |
| Close Card Fee                     | \$2.00                                  | \$2.00                                  |
| ATM Withdrawal (physical card)     | \$2 + 1.5%                              | Free first withdrawal up to \$200/month |

<Note>
  Some fees may be waived based on your [card benefits](/help-center/fizen-card/benefits).
</Note>

***

## Spending Limits

| Type                   | Limit           |
| ---------------------- | --------------- |
| Per transaction        | \$150,000       |
| Daily spending         | \$1,000,000     |
| Monthly spending       | \$1,000,000     |
| ATM daily withdrawal   | \$100,000       |
| ATM monthly withdrawal | \$200,000       |
| ATM daily count        | 3 transactions  |
| ATM monthly count      | 30 transactions |