Simple, transparent fees.
You see every charge before you confirm. The amount shown is the amount deducted. No hidden markups, no surprise fees after the fact.
Our fee promise
See it before you send
Every transaction shows you the fee, the rate, and the final amount before you tap confirm. If you do not like what you see, just cancel.
No hidden charges
There are no monthly fees, no maintenance fees, and no charges for having an account. You only pay when you use a service.
Same rate for everyone
Whether you are converting 10 USDT or 10,000 USDT, you get the same market-based rate. No preferential pricing, no tiered tricks.
Fee schedule
Fees vary by service and payment method. Below is a general guide.
| Service | Fee | Notes |
|---|---|---|
| Crypto conversion | Included in rate | Shown before you confirm |
| Withdrawal to bank | Flat fee per withdrawal | Varies by country and method |
| Bill payments | Service fee shown at checkout | Airtime, data, electricity, cable |
| Receiving payments | Free to receive | Fees apply on conversion or withdrawal |
| Account maintenance | Free | No monthly or annual charges |
Exact fees are always displayed in-app before you confirm any transaction.
How Subpadi makes money
Subpadi earns a small margin on conversions and a flat fee on withdrawals. That is how the business sustains itself. There are no hidden revenue streams, no data sales, and no schemes designed to keep your money locked in the platform.
When you see a rate and a fee before confirming, that is the full picture. The rate includes Subpadi's margin, and the fee is the processing cost. Nothing is added after you tap confirm.
Frequently asked questions
Are there any monthly fees?
No. There are no monthly fees, annual fees, or maintenance charges. Your Subpadi account is free to hold.
Will the fee ever change after I confirm?
No. The fee you see on the confirmation screen is final. Subpadi does not add charges after the fact.
Why does the conversion rate differ from Google?
Google shows a mid-market reference rate. Subpadi's rate includes the small margin that sustains the platform. The difference is clearly shown before you confirm.
Is it free to receive money?
Yes. Receiving payments into your Subpadi account is free. Fees only apply when you convert or withdraw.