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 July 8, 2026.

Always free

No catch.

  • Receive money

    Free

    Always free to receive personal payments into your zipio balance.

  • Standard cash-out to bank (1–3 business days)

    Free

    Free ACH transfer to your linked bank.

  • Request money

    Free

    Requests are always free, paid or not.

  • Account, deposits & balance

    Free

    No monthly fee, no minimum balance, no overdraft fee.

Where fees apply

Avoidable.

  • Send money (any funding source)

    4.7% + $0.30

    Flat rate on every send, whether you pay from bank, debit, credit, or zipio balance. $10 minimum. Example: a $100 send costs $5.00 in fees.

  • Receive payments as a business

    4.7% + $0.30

    Same flat rate when a customer pays your business. Fee comes out of the amount you receive.

  • Instant cash-out to debit card

    1.75% (min $0.25)

    Skips the 1–3 day wait. Standard cash-out is always free.

  • ATM withdrawals with Zipio Card

    $2.50 + ATM operator fee

    Reimbursed if you receive $300+ in direct deposits per month.

  • International / cross-border transfers

    Not supported yet

    Zipio 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.