RedotPay fees: what the help center actually lists

“RedotPay fees” is the search that should be answered with a table, not a slogan. The numbers below are copied from RedotPay’s help center. They were checked on 25 October 2026. If the app shows a different amount, trust the app. We change this page when we re-check the sources, not when a fee blog elsewhere publishes a figure.

Four kinds of cost

1. Once: issuing the virtual or physical card.
2. When you spend: crypto conversion at 1%, and 1.2% when the currency is not the card currency. Both are general transaction fees in section 2, Transactions, of the limitations chart.
3. Cash: ATM withdrawals, physical card only.
4. Outside RedotPay: the network fee on a deposit, and a fee the ATM operator adds.

Fee table

The physical replacement fee is still missing from the replacement page we checked, so that cell stays a sentence. The 0.2 USD small-transaction line and the 0.5 USD decline line are now in the table above, from the same chart image. Spend caps and postage stay in the limits guide, the declined-payment guide, and the delivery guide. ATM detail is in the ATM guide. Country blocks are in the country guide.

How to read the main lines

Issuance

The virtual card is 10 USD once, taken from the balance. The issuance article (27 July 2026) says the 5 USD reward cannot pay it. A separate page says the purchase fee is not credited back to the account. The physical card is 100 USD once. The in-app control is labeled “Apply for card • 100 USD”, and the physical-card article (30 July 2026) says payment confirms the order and it cannot be cancelled. Those steps name the 100 USD fee and do not list postage. The limitations chart does: standard mail is marked waived, and DHL is calculated at checkout. The day counts are in the delivery guide.

Monthly fee

The inactivity article (28 July 2026) says there is no management fee and no monthly or annual fee on the standard card. The 5 USD reward lasts 30 days. Pro is a separate subscription.

Conversion and foreign currency

Section 2, Transactions, of RedotPay card limitations and fees (page updated 24 July 2026) lists the 1% and 1.2% rates as general transaction fees, not as ATM-only lines:

• A transaction in the card currency: no extra fee on the ATM article (27 July 2026).
• A transaction in another currency: 1.2%, in section 2 of the limitations chart.
• Crypto conversion: 1%, in the same section.

Compare the debit in the app with the merchant’s price. The same fees table on that chart, marked effective from 1 December 2025, also shows 0.2 USD after the first 5 transactions per card each month of 1.00 USD or less, and 0.5 USD after the first 3 declined transactions per card each month.

If a foreign terminal offers to convert the amount for you, that is a second layer, on top of whatever RedotPay charges. Decline it when you can and let the card currency do the conversion.

ATM

Physical card only. USD card: 2% up to 10,000 USD in a month, then 3% on the amount above that. HKD card: 2%. The ATM operator can add a fee on the machine. Full steps are in the ATM guide.

Selected merchants

1.5%, minimum 0.50 USD. The first three eligible transactions per card each calendar month are waived. The counter resets on the 1st at 00:00 UTC. The list on the merchant-fee article (3 September 2026) is Gulf Health Counsel, Free Fire, PUBG Mobile, Brawl Stars, eFootball, Facebook Ads, and Discord. Google Ads is not on the list.

Replacement

Virtual replacement is 5 USD the first time, then 10 USD, with at least 31 days between replacements. Rewards cannot pay it. The PAN stays; CVV and expiry change. Replacement article (24 July 2026). The physical replacement fee was not on that page.

RedotPay Pro

Optional and non-refundable. Getting started with RedotPay Pro (4 September 2026):

• Monthly, 12.90 USD: a one-time waiver of the 10 USD virtual fee, and 3% back on Apple Pay and Google Pay purchases up to 18 USD a month. The cashback is spend-only and expires after 30 days. The monthly plan does not waive the physical card.
• Annual, 129 USD: a one-time waiver of the 100 USD physical fee, the same cashback cap, and a waiver of RedotPay’s own ATM fees on up to 1,000 USD a month. Operator fees are excluded. Where Earn exists, the annual plan adds 1% APY on the first 1,000,000 equivalent. We are not repeating Earn rules beyond that sentence, because availability depends on the account.

A bank prepaid Visa is a different product. The crypto-card version of that search is prepaid Visa card online.

A way to estimate a month

Add three things you can see, and leave out anything the table marks as unpublished:

• Issuance, once, divided by the months you expect to use the card.
• The 1% conversion fee or the 1.2% other-currency fee when that is how you pay. Both are general transaction fees.
• ATM withdrawals times the USD or HKD rate, plus any operator fee on the screen.
• Deposit network fees, which are not RedotPay’s.

Then open the app and compare. A blog total that ignores the in-app quote is the wrong total.

FAQ