About CryptoSpend
CryptoSpend helps people who earn in cryptocurrency figure out the most practical way to spend it in everyday life. We are not a bank or exchange — we build tools, guides, and honest comparisons to help you make informed decisions.
Fees & rates
RedotPay commission rates
Official rates from RedotPay's help center — clear pricing before you sign up.
0%
Pay in your card's currency
1%
Crypto conversion on card spend
1.2%
Foreign currency transactions
Card spending
Transaction in your card's currency
No fee when the merchant charges in the same currency as your card (USD or HKD).
0%
Crypto conversion
Applied when your stablecoin balance is converted for a card payment.
1%
Foreign currency (FX)
When the purchase is in a currency other than your card's base currency.
1.2%
Select merchants (Discord, Facebook Ads, gaming)
Minimum $0.50 per transaction. First 3 qualifying purchases each month are fee-free.
1.5%
Card issuance
Virtual card
One-time issuance fee, deducted from your RedotPay balance.
$10
Physical card
One-time issuance fee, deducted when the card is issued.
$100
Monthly / annual card fee
No recurring fee on the standard RedotPay card.
$0
ATM withdrawals
HKD card
Fee on cash withdrawn at supported ATMs.
2%
USD card (up to $10,000/month)
Applies to the first $10,000 withdrawn per calendar month.
2%
USD card (above $10,000/month)
Applies to withdrawal amounts above the monthly $10,000 threshold.
3%
Account top-up
Credit / debit card or PayPal transfer
Minimum fee of $1 when the calculated fee is below $1.
3%
Crypto deposit (on-chain)
Standard blockchain network fees apply; no RedotPay conversion fee on deposit.
Network fee only
Fees can change. Confirm the latest rates in the RedotPay app or help center before applying for a card.
Last verified: July 2026
RedotPay Help Center