Are there any fees when using Halocards?
There are no transaction fees to worry about when using Halocard for USD purchases either online, or in-person, via Apple/Google Pay.
Non-USD purchases may attract an international transaction fee to cover currency conversion and overseas payment processing.
Transaction fees
Type | Amount | Description |
|---|---|---|
USD Purchases | $0 | No fee from Halocard on any US dollar purchase, online or in-person. |
Non-USD International Purchases | 1.5% + $0.30 | When a purchase is made in a currency other than USD. It covers currency conversion and international processing costs levied by Visa. |
ATM Withdrawal | 1% + $1.00 | Applicable when withdrawing cash from an ATM, where ATM access is enabled. The ATM operator may also charge a separate fee. |
ATM Balance Inquiry or Decline | $1.00 | Applicable when checking your card balance or when a withdrawal at an ATM is declined. |
For information on fees associated with funding your account, please see: How can I deposit funds to Halocard?
For information on the monthly subscription cost for Halocard, please see: What is the monthly price for Halocard?
Fees other providers charge that Halocard does not
Many virtual card providers layer on additional per-transaction fees. For reference, these are common charges you won't see on Halocard:
Type | Amount | Description |
|---|---|---|
Authorization Fee | $0 | When a merchant checks whether your card is valid before completing a payment. No fee from Halocard. |
Transaction Fee | $0 | When a payment is successfully completed. No fee from Halocard. |
Small Transaction Fee | $0 | For very small purchases less than $1 USD. No fee from Halocard. |
Declined Transaction Fee | $0 | When a payment attempt is declined. No fee from Halocard. |
Cross Border Fee | $0 | When a purchase is made in a currency other than USD. No fee from Halocard. |
Updated on: 21/04/2026