OWN GLOBAL / FEES
Clear fees.
Your next move.
See the standard fees for your payments, currency exchange and cards. Confirm the services and terms available for your profile before you proceed.
01 / PLAN YOUR PAYMENT
A fee you
can work out.
For percentage-based fees, the charge is the higher of the percentage amount or the minimum for the route. These estimates exclude any additional third-party charges.
02 / ACCOUNTS
Your starting point.
Standard account charges. Personal and business services remain subject to eligibility, verification and approval.
| Service | Personal | Business |
|---|---|---|
| Account opening | 10 EUR | 50 EUR |
| Monthly account maintenance | 5 EUR per month | 25 EUR per month |
| Account closing | No fee | No fee |
| Local incoming payments | 0.15% Route minimum applies | 0.15% Route minimum applies |
| Internal transfers within the supported network | No fee | No fee |
Local incoming payments use the same fee and minimum as outgoing payments on the same route. See the local payment fees below.
03 / PAYMENTS
Local routes.
Clear minimums.
Each local incoming or outgoing payment is charged at 0.15%, subject to the same minimum below. UAE local rows show the fee currency for the indicated funding route.
| Route | Fee | Minimum |
|---|---|---|
| SEPA EUR | 0.15% | 15 EUR |
| CHAPS / BACS / FPS GBP | 0.15% | 15 GBP |
| ACH USD | 0.15% | 30 USD |
| Fedwire USD | 0.15% | 75 USD |
| Interac / EFT CAD | 0.15% | 15 CAD |
| UAE local via USD / AED USD | 0.15% | 30 USD |
| UAE local via EUR / AED EUR | 0.15% | 15 EUR |
International payments.
International local payouts: 0.375%. SWIFT international: 0.75%. The amounts below are minimum fees in each currency, per payment.
Swipe to compare currencies →
| Route / currency | EUR | GBP | USD | CAD | AED |
|---|---|---|---|---|---|
| International local payout 0.375% | 30 EUR | 22.5 GBP | 30 USD | 45 CAD | 120 AED |
| SWIFT international 0.75% | 75 EUR | 60 GBP | 75 USD | 105 CAD | 300 AED |
Receiving banks, intermediary banks or other providers may apply additional charges. Confirm the route, required recipient details and charge treatment before authorising. Payment checklist ↗
04 / CURRENCY EXCHANGE
Your money.
In another currency.
Account currency exchange is charged at 0.60% of the exchange amount. No minimum per transaction is listed for this standard exchange fee.
The website reference rate is indicative. Review the actual exchange rate, fee and destination amount in your confirmed quote.
Explore exchangeFor 10,000 in the source currency, the standard exchange fee is 60 in that currency.
05 / OWN CARDS
The programme.
And the details.
Personal card programme fees are stated in EUR or GBP according to your programme. These amounts are not currency conversions. Confirm the fee currency and full card terms before applying.
| Programme | Sign-up | Monthly |
|---|---|---|
| Standard Personal | No fee | No fee |
| Elite Black | 150 EUR / GBP | 150 EUR / GBP |
| Elite Plus Gold | 180 EUR / GBP | 180 EUR / GBP |
| Standard Corporate | Programme quote | Programme quote |
Using your personal card.
| Service | Fee |
|---|---|
| ATM / cash withdrawal | 4.49 EUR / GBP |
| Outside-region card purchase | 1.5 EUR / GBP |
| Card foreign exchange | 2.25% |
| Chargeback handling | 37.5 EUR / GBP |
| Inactivity Per month after 365 days | 4.5 EUR / GBP |
| Card loading | Confirmed for your programme |
Outside-region definitions, loading conditions and programme eligibility are confirmed with your card terms. Additional ATM-operator or benefit-provider charges may apply. Corporate card pricing is confirmed for the business profile.
Compare the card collection06 / ADDITIONAL SERVICES
When you need
a little more.
One-off payment support fees are listed by currency. A request for amendment or recall does not guarantee that the payment can be changed or recovered.
Swipe to compare currencies →
| Service | EUR | GBP | USD | CAD | AED |
|---|---|---|---|---|---|
| Payment trace | 150 EUR | 120 GBP | 150 USD | 225 CAD | 600 AED |
| SWIFT amendment | 150 EUR | 120 GBP | 150 USD | 225 CAD | 600 AED |
| Payment recall | 150 EUR | 120 GBP | 150 USD | 225 CAD | 600 AED |
| Service | Fee |
|---|---|
| Auditors letter | 150 in the account’s primary currency |
| Bank reference letter | 750 in the account’s primary currency |
Built around your business.
Processing, white-label services and digital-asset services are quoted for the relevant profile, route or asset. Ask OWN for the terms that apply to your setup.
YOUR NEXT STEP
Know the terms.
Then make your move.
This standard schedule is a guide to OWN service charges. Your agreed account and programme terms apply to your actual use. Ask us to confirm availability, charges and any additional costs before proceeding.
Talk through your feesUpdated 10 October 2026. Existing individually agreed pricing may differ.