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Pricing & Fees
A clear breakdown of all fees across Lumo Wallet services. No hidden charges — just straightforward pricing.
Last updated: May 2026
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On-Ramp / Off-Ramp Fees
| Service | Fee |
|---|---|
| Buy Crypto (Card/Bank) | From 2.5% |
| Sell Crypto to Fiat | From 2.5% |
| Third-party provider fees | May apply separately |
| Blockchain network fees | Dynamic |
- Rates may vary depending on region, payment method, liquidity provider, and blockchain network conditions.
- Services powered through licensed third-party partners.
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FX (Foreign Exchange) Fees
| Service | Fee |
|---|---|
| Lumo Debit — Physical | 1% |
| Lumo Debit — Virtual | 1% |
- FX fees apply when spending in a different currency from the card balance.
- Additional network or merchant conversion charges may apply.
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Lumo Debit Ordering
Lumo Debit Virtual
$4.99
Instant digital card for online spending. Can be added to Apple Pay and Google Pay.
Lumo Debit Plastic
$19.99
Standard physical Lumo Debit card.
Lumo Debit Metal
$99.00
Premium metal Lumo Debit card for everyday use.
- Card issuing is dependent on your location and the jurisdiction of our third-party card issuing partners.
- Availability may vary by region. Not all card types are available in every country.
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Card Top-Up Fees
| Service | Fee |
|---|---|
| Lumo Debit — Physical | 1.5% |
| Lumo Debit — Virtual | 1.5% |
- Applies when topping up cards using supported crypto assets.
- Network gas fees are separate.
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Crypto Swap Fees
| Service | Fee |
|---|---|
| Crypto Swaps | From 1.5% |
| Network Fees | Dynamic |
- Fees may vary depending on token pair, liquidity, and network congestion.
- Final quote shown before confirmation.
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Lumo Earn
| Service | Fee |
|---|---|
| Staking Access | Free |
| Staking rewards commission | Variable (asset/network) |
| Validator/network fees | Included in reward calc. |
| Unstaking network fees | Dynamic |
Percentage Earnings (APY)
Ethereum (ETH)
Up to 5%
Solana (SOL)
Up to 9%
Cardano (ADA)
Up to 5%
- Reward rates are variable and may fluctuate depending on blockchain network conditions, validator performance, and staking participation levels. Estimated rewards are not guaranteed.
- Staking involves risks including market volatility, validator downtime, slashing events, and blockchain-related failures. Availability may vary depending on jurisdiction and supported assets.
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Lumo POS Fees
| Service | Fee |
|---|---|
| Lumo POS Device | $99.99 |
| Shipping | Calculated at checkout |
| In-store crypto payments | 0% |
| Business wallet withdrawal | 1.5% |
- Merchants receive payments directly into the Lumo Business Wallet.
- Withdrawal fees apply when moving funds externally.
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Lumo Business Plugin Fees
| Service | Fee |
|---|---|
| WordPress Plugin | Free |
| WHMCS Plugin | Free |
| PHP Integration | Free |
| Shopify Plugin | Coming Soon |
| Online crypto payments | 0% |
| Business wallet withdrawal | 1.5% |
- Plugins support direct crypto payment acceptance.
- Blockchain network fees still apply to transactions.
Additional Information
- Lumo Wallet is a non-custodial ecosystem.
- Users remain fully responsible for safeguarding private keys and recovery phrases.
- Third-party providers may charge additional processing or compliance fees.
- Some services may not be available in all jurisdictions.
- Fees and limits may change over time as the ecosystem evolves.
Have questions about fees?
Our support team is here to help clarify anything about our pricing.
Contact Support