What fees apply when using Halocards?

Transaction Fees

Authorization Fee

$0

This fee is charged when a merchant checks whether your card is valid before completing a payment. No fee from Halocard.

Transaction Fee

$0

This fee is charged when a payment is successfully completed. No fee from Halocard.

Small Transaction Fee

$0

This fee is sometimes charged for very small purchases. No fee from Halocard.

Declined Transaction Fee*

$0

This fee is charged when a payment attempt is declined. **No fee from Halocard, however if a card is declined more than five times in short succession, it may be automatically cancelled for security reasons. **

International Fees

Cross Border Fee

$0

This fee is charged when a merchant is located in a different country. No fee from Halocard.

International Transaction Fee

1.5% + $0.30

This fee is charged when a purchase is made in a foreign currency or with a non-US merchant. It covers currency conversion and international processing costs.

ATM Fees

Withdrawal Fee

1% + $1.00

This fee is charged when withdrawing cash from an ATM, where ATM access is enabled. The ATM operator may also charge a separate fee.

Balance Inquiry Fee

$1.00

This fee is charged when checking your card balance at an ATM.

Decline Fee

$1.00

This fee is charged when an ATM transaction is declined, such as due to insufficient funds or unsupported ATM usage.