Fees - AdvaTechPro

Fee Information

for Private Clients

v.26.04.2023

This List of Fees applies if you are a Private Client.
The Fees are:

General Fees
Opening Payoma Account	free
Payoma Account monthly Fee	0 EUR
Payoma Account monthly Fee if your Payoma Account is Inactive Account* for 11 months	2 EUR
Interest charged for keeping funds on your Payoma Account if your Payoma Account is Inactive Account* (charged monthly)	0% p.a.
e-Wallet Fees
Opening e-Wallet	free
e-Wallet monthly Fee	0 EUR per e-Wallet
Incoming transfers (receiving funds) from Business Clients	free
Incoming transfers (receiving funds) from Private Clients	free
Outgoing transfers (sending funds) to Business Clients	free
Outgoing transfers (sending funds) to Private Clients	free
Transfers between your e-Wallets in one currency	free
IBAN Account Fees
Opening IBAN Account	free
IBAN Account monthly Fee	0 EUR per IBAN Account
Incoming transfers (receiving funds) from other Payoma clients (internal transfers)	free
Incoming transfers (receiving funds) from non-Payoma clients (external transfers)	free
Outgoing transfers (sending funds) to recipients in SEPA** (SEPA payments)	0.5 EUR
Outgoing transfers (sending funds) to recipients outside SEPA (SWIFT payments) in EUR	0.25%, min 15 EUR
Outgoing transfers (sending funds) to recipients outside SEPA (SWIFT payments) in non-EUR	0.25%, min 15 EUR
Uploading funds from your payment card to your Payoma Account	3.5% + 0.5 EUR
Transferring funds to a payment card (your or Third Party)	2.5% + 3.5 EUR
Currency conversion Fees
Currency conversion Fee	2.99%
Card Fees
Virtual card activation fee for the first 10 cards
Virtual card activation fee starting from the 11th card
Card issuing fee
Card delivery fee
Card activation
Monthly fee for the card
Second card fee (with delivery)
Card order cancellation
Lost card or replacement (order a new one)
Sales transaction fee (International)
Sales transaction fee (Intra EEA)
FX on VISA Direct transactions in other currencies	N/A
FX on transactions in other currencies
ATM withdrawal fee (International)
ATM withdrawal fee (Intra EEA)
Balance inquiry via ATM
Dispute representment fee (per each disputable transaction)
OCT (International)
OCT (Intra EEA)

* Your Payoma Account is considered Inactive Account if there were no qualifying transactions during certain time. Generally, qualifying transactions are transactions with Third Parties, however there are several exceptions. For more details on these exceptions and the minimum time of inactivity please see the definition of the Inactive Account term in the Definition part of the Agreement.

** Single European Payments Area (SEPA) is comprised of European Union member states, Iceland, Liechtenstein, Norway, Monaco, San Marino and Vatican City.

***The Fees are listed exclusive of Value Added Tax. In case Value Added Tax or any other sales tax is or become applicable to the Fees, such tax amount will be added to the Fees.

****We may at any time at our sole discretion revise this list of the Fees. Such revision will not be considered changes to the Agreement (Clause 21 of the Terms).

Payoma Limited is authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 (FCA register number 900217) for the issuing of electronic money.