Legal — Fees & pricing
What zipio charges. And what it doesn't.
We don't bury fees in fine print. Here's every charge on zipio, when it applies, and how to avoid it. Last updated May 21, 2026.
Always free
No catch.Send to friends from bank or zipio balance
FreeNo fee, no minimum, no monthly cost.
Send to friends from a debit card
FreeStandard debit card sends are free.
Receive money from friends
FreeAlways free to receive personal payments.
Standard cash-out to bank (1–3 business days)
FreeFree ACH transfer to your linked bank.
Request money
FreeRequests are always free, paid or not.
Account, deposits & balance
FreeNo monthly fee, no minimum balance, no overdraft fee.
Where fees apply
Avoidable.Send from a credit card
3%Charged on top of the amount. Avoid by sending from bank or balance.
Instant cash-out to debit card
1.5% (min $0.25)Skips the 1–3 day wait. Standard cash-out is always free.
Receive payments as a business
2.75%Applies only to verified business accounts receiving customer payments.
ATM withdrawals with Zipio Card
$2.50 + ATM operator feeReimbursed if you receive $300+ in direct deposits per month.
International / cross-border transfers
Not supported yetZipio is US-only today. Coming soon.
How fees are calculated
Percentage fees are calculated on the send amount and shown before you confirm any payment. Instant cash-out fees are deducted from the amount transferred. Standard cash-out is always free. Fees are subject to change with at least 30 days' notice; the current rates on this page always reflect what you'll actually be charged.