All You Need to Know About Fees and Limits of KuCard-AU
2026/04/30 08:00:02
What are the transaction limits for KuCard?
Transaction limits apply to the total aggregated usage across all KuCards (Up to 5 cards) issued to the same cardholder. This means:
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Limits are not applied per individual card, but across all virtual KuCards linked to your account.
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Daily limits are calculated based on UTC time.
You can view your current limits in the KuCoin app or KuCard management interface.
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Limit Type
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Amount
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Daily Spending (USDC)
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20,000
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Annual Spending (USDC)
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200,000
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How is KuCard-AU charged for use?
KuCard Fees Schedule – Key Terms Explained
This section explains how fees may apply when using your KuCard. All fees are subject to the applicable KuCard Terms of Use and may vary depending on transaction type, currency, and location.
| Fee Type | Unit | Rate |
| Request the first virtual card | per card | free |
| Request another virtual card | per card(Except the first card,up to 4 cards are allowed) | 9.99 USDC |
| Canceling a Card | per card | free |
| Annual Fee | per card | free |
| Transaction Fee | per transaction | 0.5% of transaction total |
| Foreign Exchange Fee | per transaction | 1% of transaction total |
| Spread Fee | per transaction | Calculate based on real-time relevant exchange rates |
| Declined Payment (Insufficient Funds) | per transaction | free |
| Overdraft Transactions | currently unavailable | - |
| Inactive Fee | monthly/per card | 2 USDC |
| Dispute Fee | per transaction | 30 USDC |
| Overdraft Transactions | Payments allowed beyond your current balance, subject to an overdraft limit. | |
| Applying for a Supplementary Card | A supplementary KuCard, for use by an authorized subsidiary. | |
| Declined Payment (Insufficient Funds) | Payment declined or failed transaction due to insufficient funds in your account. | |
| Replacing a Card | A replacement card provided upon request, if your KuCard is lost, damaged, or otherwise needs to be replaced. | |
Notes:
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Local fees, third party fees, network fees, a conversion spread, and IOF fees may apply. You can check the costs applied for each transaction on your KuCard in your account.
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Refunds are in USDC, and fees are non-refundable.
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Fees will be debited in accordance with users’ payment Priority Setting.
Foreign Exchange (FX) Fee
A Foreign Exchange (FX) fee applies when a KuCard transaction is processed in a currency other than the card’s designated settlement currency (USDC).
Examples include:
paying in USD with a USDC-denominated KuCard, or any transaction where currency conversion is required prior to settlement. The FX fee is calculated on the converted transaction amount and is applied in accordance with the applicable fee schedule.
Illustrative Examples
(For illustration purposes only; actual rates may vary)
Scenario – Foreign currency card payment (FX fee applies)
Transaction: Customer A makes a purchase for AUD 200, settled in USDC.
Assumptions:
Mastercard exchange rate: 1 USDC ≈ 1.41 AUD
FX fee: 1%
Calculation:
Converted amount: AUD 200 ÷ 1.41 ≈ USDC 141.8
FX Fee+Transaction Fee: USDC 141.8 × (1%+0.5%) ≈ USDC 2.1
Total charged amount: USDC 141.8 + USDC 2.1 ≈ USDC 143.9
Result: At least USDC 143.9 (or the equivalent value funded via crypto-asset conversion) is debited from the customer’s Funding Account.
Important note: During authorisation, a slightly higher amount may be temporarily held to account for exchange-rate fluctuations. Only the final settled amount is charged, and any unused portion is released back to the Funding Account.
Important information
All KuCard transactions are settled in USDC. Crypto-assets are used solely as a funding source via conversion and are not transferred to merchants.
Exchange rates are determined by Mastercard (for FX) or KuCoin (for crypto-asset conversion), as applicable, and may fluctuate.
Fees, rates, and availability may change in accordance with the KuCard Terms of Use and applicable regulations.
How does the Inactivity Fee Charge?
Each virtual KuCard may be subject to an inactivity fee if no card transactions are completed within 90 consecutive calendar days after the card activation date.
When does the inactivity fee apply?
An inactivity fee will apply if: a KuCard has been activated; and No completed transactions have occurred for 90 consecutive calendar days.
For the avoidance of doubt, the inactivity period is assessed per card.
Where will the fee be deducted from?
Inactivity fees may be deducted from the cardholder’s eligible KuCoin accounts, including:
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Funding Account
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Trading Account
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Financial Account
USDC deductions are made from the Funding Account only.
If the fee cannot be successfully collected, the KuCard may be suspended or permanently deactivated in accordance with the KuCard Terms of Use.
Inactivity fee amount
Inactive fee (monthly): 2 USDC per card The applicable monthly fee and any related limits are displayed in the KuCard interface and/or the KuCard Terms of Use.
How can I avoid or waive the inactivity fee?
To avoid or stop inactivity fees:
Make a transaction Complete at least one transaction before the end of the 90-day inactivity period.Simply make cumulative transactions worth at least 100 USDC within 1 month of being charged of an inactivity fee. You can apply for the refund of the inactive fee deducted in the current month.
Terminate unused cards If you have KuCards you no longer need, you may terminate them via the KuCard management section (see the KuCard termination instructions in the relevant FAQ).
Additional notes
Reset of the inactivity period
If you complete any card transaction before deactivation, the inactivity fee will not be charged for that period and the 90-day inactivity counter will reset.
Monthly fee schedule
Once charged, the inactivity fee is applied on the first fee deduction date and then on the same calendar date each month.
If a particular date does not exist in a given month, the fee will be deducted on the last day of that month.
User notification
KuCoin will notify affected users 7 days before an inactivity fee deduction is scheduled. Please ensure that your registered email address is up to date and monitor notifications regularly.
We hope this article has been helpful. If you have any other questions, please reach out to our 24/7 customer support via online chat or submit a ticket.