At Afriex, we’re committed to making international money transfers fast, secure, and affordable. While many transfers are completely free, some may include a small flat fee depending on where you’re sending money from and the type of card or account you’re using.

Here’s a full breakdown of how Afriex fees work — and why they exist.

Where We Charge a $1 Flat Fee

Afriex charges a simple $1 fee per transfer in a few specific cases. These charges help cover higher card processing costs in certain regions, while still keeping your transfers cheaper and faster than most banks or remittance apps.

• United States 🇺🇸 (Unregulated Cards Only)

If you’re sending money from the US using a prepaid, virtual, or less secure debit card, you’ll be charged a $1 flat fee. These “unregulated” cards often come with higher processing and fraud risk costs.

What’s an unregulated card?
Unregulated cards are typically prepaid, fintech-issued, or virtual cards (e.g., Cash App, Chime, Green Dot). They’re not tied to a traditional bank account and fall outside of U.S. Federal Reserve fee restrictions, which means they cost more for platforms like Afriex to handle.

Example: Using a Cash App card or a reloadable prepaid Visa card will trigger this $1 fee.

• United Kingdom 🇬🇧 and European Union 🇪🇺

Transfers from the UK or EU come with a $1 flat fee, but you also get competitive exchange rates that typically beat your bank’s or other platforms'.

Example: If you send €100 from a French debit card, you’ll pay just $1, and often get a better conversion rate to the receiving currency than you would through your local bank.

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Where Transfers Are 100% Free

In other regions, sending money with Afriex costs you nothing at all, no matter how often you send.

• United States 🇺🇸 (Regulated Cards and Linked Bank Accounts)

If you’re using a regular debit card or bank account from a major US bank like Chase, Bank of America, or Wells Fargo, your transfer is free.

What’s a regulated card?
These are bank-issued debit cards tied to checking accounts at institutions like Chase, Bank of America, or Wells Fargo. U.S. laws (specifically the Durbin Amendment) cap the fees payment processors can charge when these cards are used, so we don’t have to charge you.

Example: Sending from a Bank of America debit card? You pay $0 in fees.

• Canada 🇨🇦

All transfers from Canada are completely free, regardless of your card type or bank. We’re able to absorb the processing costs in this region and pass the savings directly to you.

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Why Are There Fees in Some Places and Not Others?

It all comes down to payment method and regional processing costs.

Some cards, especially prepaid or virtual ones, cost more to process and require additional fraud checks. Instead of increasing fees across the board, Afriex only adds a small $1 fee in the cases where it’s necessary to maintain platform performance and reliability.

Even where a fee applies, you’re still getting great value thanks to fast delivery times, competitive exchange rates, and low overall costs compared to banks and traditional remittance providers.

Questions?

Not sure whether your card is regulated? Wondering why a fee was applied to your transfer?

Our support team is here to help. Just open the Afriex app and send us a message, we’ll explain everything and help you find the lowest-cost way to send money.