UMVA Card Fees & Pricing
Complete breakdown of UMVA Card fees — transparent, no surprises
UMVA Card offers simple, transparent pricing. You only pay when you create a card and when you fund it. No monthly fees, no inactivity charges, no hidden costs. Below is the complete breakdown of every fee associated with your virtual card.
Card Issuance Fee
One-time per card createdA one-time issuance fee is charged when you create a new virtual card. This is a flat fee per card — no recurring charges. Your card is valid for 5 years from issuance with no monthly maintenance fees.
- One-time fee — no recurring charges
- No monthly or annual maintenance fees
- Card valid for 5 years from issuance
- Free card replacement if lost or compromised
Funding Fee
Applied to all card funding and refillsA percentage-based funding fee is applied whenever you load money onto your card — including the initial funding and all subsequent refills. This fee is charged on top of the amount you want to load.
- Applied to initial funding and all refills
- Minimum 10.00 USD to create a card
- Minimum 1.00 USD top-up after creation
Processing Fee
Applied per card issuanceA flat processing fee is charged once per card issuance. This fee covers the cost of generating and securing your virtual card. There are no ongoing processing charges.
- One-time charge per card created
- No processing fee on refills or top-ups
- No monthly processing charges
Zero-Fee Guarantee
Fees you will never payWe believe in complete transparency. Unlike traditional banks and many card providers, UMVA Card charges zero authorization fees and zero foreign exchange markup.
- No monthly maintenance fees
- No authorization fees
- No FX fees — 0% currency conversion markup
- No inactivity fees
- No card replacement fees
- No cancellation fees
Fee Summary
Complete overview of all UMVA Card fees
| Fee Type | Amount | Frequency | Description |
|---|---|---|---|
| Card Issuance Fee | 10.00 USD | One-time | Charged when you create a new virtual card |
| Funding Fee | 10% | Per transaction | Applied to initial funding and all refills |
| Processing Fee | 1.00 USD | One-time | Flat fee charged once per card issuance |
| Monthly Maintenance Fee | $0.00 | Monthly | No monthly fees — your card is valid for 5 years |
| Authorization Fee | 0.00% | Per authorization | No charge for authorizing transactions |
| FX / Currency Conversion | 0.00% | Per transaction | No foreign exchange markup |
| Card Replacement Fee | $0.00 | Per replacement | Free card replacement if lost or compromised |
| Inactivity Fee | $0.00 | N/A | No fees for inactive cards |
| Cancellation Fee | $0.00 | N/A | No fees for canceling your card |
Fee Calculator
Enter the amount you want on your card and see the total charge
| Card Amount Loaded | $100.00 |
| Card Issuance Fee | 10.00 USD |
| Funding Fee (10%) | $10.00 |
| Processing Fee | 1.00 USD |
| Total Charge to Your Wallet | $121.00 |
Your card receives the full balance you enter. Fees are charged on top.
Card Limits
Spending and transaction limits applicable to your UMVA Card
Card Creation
Unlimited — create as many cards as you need
Per Transaction
Up to 25,000.00 USD per single transaction
Monthly Limit
Up to 150,000.00 USD per month