Transparent pricing
No hidden fees, no surprise charges. We believe you deserve to know exactly what you are paying for. Below is our complete fee schedule.
Account Fees
Account Opening
No minimum balance required
Account Maintenance
No monthly charges
Account Closure
No exit fees
Statement Generation
Digital statements included
Paper Statement
Per statement cycle
Transfer Fees
Internal Transfer (Kestrion Bank to Kestrion Bank)
Instant settlement
Local Bank Transfer
Same-day processing
Cross-Border Transfer
1-3 business days
International Transfer (USD)
2-3 business days
International Transfer (GBP)
2-3 business days
International Transfer (EUR)
2-3 business days
Withdrawal Fees
ATM Withdrawal (Kestrion Bank ATM)
Unlimited
ATM Withdrawal (Other Banks)
Per transaction
ATM Withdrawal (International)
Per transaction
Bank Transfer Withdrawal
To linked bank account
Card Fees
Virtual Card Issuance
First card included
Replacement Virtual Card
Per replacement
Card Freeze/Unfreeze
Unlimited
International Transaction Fee
Applied at point of transaction
Currency Conversion
Above market rate
Loan Fees
Loan Origination
No upfront processing fee
Early Repayment
No prepayment penalties
Late Payment
Applied after 7-day grace period
Loan Restructuring
Per restructuring request
Fee Schedule Notice
All fees are subject to change with 30 days advance notice. Current fee schedule is effective as of January 2025. International transfer fees may vary based on correspondent bank charges. Exchange rates are updated in real time and include a 1% conversion margin.
Why customers choose Kestrion Bank
We keep our pricing simple so you can focus on what matters.
Traditional Banks
- Monthly maintenance fees: $10-25
- Minimum balance requirements
- Wire transfer fees: $25-50
- International fees: 3-5%
- Hidden overdraft charges
Kestrion Bank
- No monthly fees ever
- No minimum balance
- Internal transfers: Free
- International fees: 1-2.5%
- Zero hidden charges
Other Neobanks
- Free basic account
- Limited currency support
- Higher FX markups: 2-3%
- No loan products
- Limited customer support
About our exchange rates
Kestrion Bank uses real-time market exchange rates for all currency conversions. Our conversion margin is just 1%, which is significantly lower than the 3-5% typically charged by traditional banks and many competitors.
Exchange rates are updated every 60 seconds during market hours. You will always see the exact rate and fee before confirming any transaction — no surprises.
For USD, GBP, and EUR transfers between Kestrion Bank accounts, there is no conversion fee at all when both wallets share the same currency. Cross-currency internal transfers use the same transparent 1% margin.