Version 07.01.2021
Funding your MuchBetter account:
| Funding Method | Minimum amount (USD/EUR/GBP) | Fee |
| Astropay Card | 10 | 6.00 % |
| BANCO | 10 | 6.00 % |
| Bancontact | 10 | 1.80 % |
| Bank Transfer | 10 – 20 | 0 – 5.00 % |
| SEPA Bank Transfer | 10 | Free |
| Blik | 10 | Free |
| BRADESCO | 10 | 7.00 % |
| Cards | 10 | 0 – 5.00 % |
| Cash | 10 | 0 – 10.00 % |
| Cash to merchant | 20 | Free |
| Crypto – BTC, ETH, LTC, XRP | 10 | 2.00 % |
| EPS | 10 | 0.99 % |
| Giropay | 10 | Free |
| iDeal | 10 | 0.99 % |
| Interac e-Transfer | 10 | Free |
| Interac Online | 10 | 3.50 % |
| JCB | 10 | Free |
| Multibanco | 20 | 1.50 % |
| My Bank | 10 | 1.20 % |
| Pay by bank app | 10 | Free |
| Przelewy24 | 10 | Free |
| PIX | 10 | Free |
| Ricarica MuchBetter | 10 | Free |
| Safetypay | 10 | 2.00 % |
| Sofort | 10 | 0.99 – 5.00 % |
| UnionPay | 10 | 4.00 % |
The minimum amounts and fees stated above are a guideline only and may vary based on your country of residence. Please check the app for the latest minimum amounts and fees for your location.
Withdrawing your money
| Withdrawing Method | Minimum amount | Fee |
| Astropay | 10 | 2.00 % |
| Bank Transfer | 10 – 250 | 0 – 5.00 % |
| SEPA Bank Transfer | 20 | 2.00 % |
| Cash | 10 | 10.00 % |
| Crypto – BTC, ETH, LTC | 15 | 2.00 % |
| Interac e-Transfer | 10 | Free |
| QIWI Wallet | 20 | 3.00 % |
The minimum amounts and fees stated above are a guideline only and may vary based on your country of residence. Please check the app for the latest minimum amounts and fees for your location.
Using your MuchBetter account:
| Usage Method | Fee |
| Transfer to friends (P2P) | Free |
| Receive transfers (P2P | Free |
| Pay a merchant | Free |
| Transfer from a merchant | Free |
| Request a gift | Free |
| Send a gift | Free |
| Request money from a friend | Free |
| Currency conversion* | 0.99 % for conversions between USD/EUR/GBP – FX rates will vary for all other currency conversion including where USD/EUR/GBP is converted to a different currency |
Using your MuchBetter card:
| MuchBetter Card | Fee |
| Use online | Free |
| Use in person | Free |
| Use contactless | Free |
| Use at ATM | 0.99 % |
| Currency conversion* | 0.99 % for USD/EUR/GBP – FX rates will vary for all other currency conversion including where USD/EUR/GBP is converted to a different currency |
* Our currency exchange rates are updated throughout each day and it is the User’s responsibility to check the applicable rates in our app before proceeding with transactions involving an exchange of currency. In most currencies, we will add a margin to the mid-market exchange rate provided by XE. We are not a bureau de change (currency exchange). We are not responsible for any loss due to changes in exchange rate. If the transfer method is not an instant method, the exchange rate as described above will be applied when we are provided a confirmation of the transfer by our payment processor.
Important Notes
1. Your bank may apply additional charges or currency exchange fees
2. We may be unable to accept money from or send money to certain territories outside of the EEA.
3. We reserve the right to change our fees stated in this document at any time.
4. Prices in this document are part of our TCs and generally valid until a change is communicated to customers. However promotional changes (reductions or waiving fees) are possible at MIR’s discretion and does not require separate communication.
5. Loading and withdrawing fees are charged for performing a financial service and are set on basis of passing our incurred costs for performing this service into these fees.