Clear fees before you confirm
Applicable fees, exchange rates and known third-party charges are disclosed before you confirm a transaction. The schedule below sets out our standard fees for Private and Corporate customers.
Service fees
Private applies to individual customers and Corporate to business customers. Account opening and monthly maintenance fees are stated in EUR. Transaction commissions are calculated as a percentage of the relevant transaction amount. Services are subject to onboarding approval, jurisdiction, currency and payment route availability.
| Service | Private | Corporate |
|---|---|---|
| Account opening | EUR 600 one-time | EUR 1,200 one-time |
| Monthly account maintenance | EUR 50 per month | EUR 200 per month |
| Incoming payment | 1% of incoming payment amount | 1% of incoming payment amount |
| Foreign exchange | 1% of amount converted | 1% of amount converted |
| Crypto exchange | 1% of amount exchanged | 1% of amount exchanged |
Last updated 7 October 2026. Outgoing payment fees are quoted separately before confirmation.
How your total cost is disclosed
Before you confirm
Incoming payment commission is calculated on the incoming amount, FX commission on the amount converted, and crypto exchange commission on the amount exchanged, with the quote identifying the valuation currency and rate where needed. Where a payment also involves conversion or exchange, the applicable commissions are shown separately in the quote. The quote states the fee currency and whether fees are added to the amount you pay or deducted from the amount delivered.
Currency conversions
For conversions, the quote specifies the currencies, the amount converted, the exchange rate, the expected recipient amount and the period for which the quote remains valid. A new quote may be required after that period expires.
Third-party charges
Intermediary banks, recipient banks, payment providers and blockchain networks may apply their own charges. Known charges are shown separately or clearly identified as included in the quote. If a charge cannot be determined in advance, we explain the uncertainty before confirmation. Such charges may reduce the amount received. Any available option for allocating bank charges is explained in the quote.
Recurring and additional charges
The account opening fee is charged once and account maintenance monthly at the rates above. Any inactivity, closure, investigation or other additional CobbyPay charge must be expressly stated in your applicable fee schedule or separately agreed before the relevant service. Applicable taxes, if any, are identified in the quote or invoice, including whether they are included in the stated price.
Cancelled, returned or unsuccessful transactions
The treatment of fees for cancelled, returned or unsuccessful transactions is explained in the applicable fee schedule and Terms and Conditions. Charges already incurred with banks, payment providers or networks may be non-refundable. Where conversion is required to return funds, the exchange rate may differ from the original transaction rate. We disclose any CobbyPay return or conversion charge before processing the return, where practicable.
Changes to your fees
We communicate changes to your agreed fees in accordance with your agreement and applicable law. Updated pricing applies from the stated effective date. A price change does not alter an already accepted transaction quote during its stated validity period, subject to the conditions of that quote.
Want pricing for your use case?
Contact CobbyPay for service availability, payment routes and any charges not listed above. Read this schedule together with your transaction quote and the CobbyPay Terms and Conditions.
Request pricing