MuchBetter Fees

Select your country from the dropdown menu below:

Payment MethodDeposit Fee %Deposit Flat FeeWithdrawal Fee %Withdrawal Flat Fee

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 rate service is provided by, and these are updated throughout each day. It is the User’s responsibility to check the applicable rates on 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 Rtekk’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.
6. A management fee of $5 per month may be applied on an inactive account. For more information regarding inactive accounts, please read our Terms and Conditions. If your account balance is below $5, we will charge you what remains in your account and take your balance to 0.

Try and score with our MuchBetter prize pool 

This offer has now closed. 

Be in with a chance to win $100 from our $2,200 prize pool!

Open your app to make a top up of $22* to enter. 

This offer will end at 23:59 GMT on Wednesday 14th December 2022.

Get a fob, get €5 

This offer has now ended. 

Order a MuchBetter contactless keyring fob today and get €5 (or wallet currency equivalent) loaded on to your wallet! 

This offer ended at 23:59 GMT on Sunday 11 December. 

Terms and conditions apply, see here.

Watching football is better with friends! 

This offer has now ended.

Refer a friend to MuchBetter and get €5 loaded onto your account.

Open your app and invite a friend to MuchBetter using your unique referral code and once they’ve topped up, we’ll give you €5 or currency equivalent!

This offer ended at 23:59 GMT on Friday 16 December.

Terms and conditions apply, see here.

Mega Social Giveaway

This giveaway has now closed.

We’re kicking things off with a mega giveaway on our social media channels! 

Head to @paymuchbetter on Instagram, Twitter, or Facebook to find out how to enter. 

This competition has ended.

Terms and conditions apply, see here.