Transparency

Fees & Limits

No surprises. Here's exactly what you pay to use Winity.

See app

Virtual card annual fee

0%

Stablecoin deposit fee

USD 3

ATM withdrawal

USD 20/yr

Physical card annual fee

Card Fees

Virtual Card Annual FeeSee appCheck current rates in the Winity app
Physical Card Annual FeeUSD 20 / yearFirst 6 months free on new activations
Physical Card IssuanceUSD 0Shipping charges may apply
Card Spend FeeSee appCheck current rates in the Winity app
ATM Withdrawal FeeUSD 3Per withdrawal at any Visa® ATM worldwide
Contactless / NFC PaymentsUSD 0Google Pay supported

Deposit & Conversion Fees

USDC Deposit0%Stablecoin, no conversion fee
USDT Deposit0%Stablecoin, no conversion fee
Other Digital Asset Deposit5%Conversion fee applied at time of deposit
Fiat Withdrawal (where supported)VariesSee app for live rates

Rewards & Benefits

Winity Points Earn Rate1 pt / USD 10On eligible card spend
Umi Data Benefit1 GB freeAfter USD 5,000 in eligible spend
Umi First Purchase Discount20% off first purchaseOne-time discount code, one use per member
Winity Loop Referral PointsWinity PointsAwarded when referred users activate card

Premium Services

Concierge AccessUSD 100,000+ depositDedicated relationship manager + curated service
Priority Support RoutingHigh-tier membersFaster support resolution
24/7 WhatsApp SupportAll membersAvailable to every Winity cardholder

All fees are in USD and correct as of 27 May 2026. Winity reserves the right to amend fees with 30 days' notice to members. Deposit bonus rates, points programme terms, and Umi partnership benefits are subject to their own programme terms. Physical card shipping charges vary by destination country. See the Winity Life app for live rates and the most current fee schedule.

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