FEES and limits

SpaceLabs Platinum

SpaceLabs Platinum is designed to offer premium flexibility, global usability, and complete cost transparency.

Below you’ll find an organised overview of account fees, card fees, transaction fees, and spending limits — so you always know exactly what to expect.



Card Limits Overview

Benefits of SpaceLabs Platinum limits

SpaceLabs Platinum provides significantly higher limits than typical crypto debit cards:

  • Daily spend: up to $50,000
  • Single transaction: up to $25,000
  • Monthly spend: up to $400,000
  • Lifetime limit: $1,000,000

ATM withdrawals are expected to be enabled in Q1 2026. They fall under the same daily spending cap. (Individual ATM operators or regional regulations may impose lower per-withdrawal limits and additional fees.)

Account Setup & Subscription

What is the annual subscription fee?

The annual subscription fee for the Platinum Tier is $99, charged at account activation and then once per year.

Your subscription includes:

  • Account activation
  • Full identity verification
  • One (1) virtual card included
  • 12 months of virtual card monthly fees at no extra cost
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Top-Ups & Loading

What is the fee for loading crypto?
A 3% top-up fee applies when crypto is deposited into your SpaceLabs wallets to be converted into USD.

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Card Creation & Monthly Card Fees

What does it cost to create additional cards?

  • Virtual card: $2.99
  • Plastic physical card: $19.90
  • Metal physical card: $69.90 (available soon & included in the upcoming Exclusive Tier)

Are there monthly card fees?

  • Virtual card: $0.99/month per active card
  • Physical card: $2.99/month per active card

Your yearly Platinum Tier subscription already includes one virtual card for 12 months, with its monthly fees waived.

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Transaction & Usage Fees

What is the authorization fee for transactions?

  • US Domestic: $0.25 + 0.25%
  • International: $0.80 per transaction

What is the Apple Pay authorization fee?

  • Apple Pay transactions incur a 0.20% authorization fee.

What are the ATM withdrawal fees?

  • 2.25% per withdrawal
  • Minimum fee: $2
  • ATM withdrawals are expected to be enabled in Q1 2026.

What is the transaction reversal fee?

  • A $1 reversal fee applies to all reversal transactions where the original transaction amount exceeds $5.

What is the FX or cross-border fee?

A 2.50% fee applies when:

  • The transaction is processed in a foreign currency, or
  • The transaction is cross-border (issuer and acquirer are in different countries)
  • This is standard across international card payments.

Is there a refund fee?

  • Yes — a 2% refund fee applies to each refunded transaction.
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Declines, Disputes & Compliance Fees

Are there fees for declined transactions?

A declined transaction occurs when a payment fails due to cardholder-related issues (insufficient balance or limits, inactive card, etc.).

Decline fees are determined by your overall decline rate:

  • $0.30 per decline if your decline rate is between 20% and 50%
  • $0.60 per decline if your decline rate is 50% or higher

What is the dispute (chargeback) fee?

A $35 fee applies per disputed transaction.
This fee covers the administrative process of handling chargebacks and fraud-related disputes.

Need More Details?

For additional information about spending limits, supported jurisdictions, supported crypto assets, security, KYC, and card operations, visit our full FAQ

View FAQ