Fees and limits
Clear pricing. The exact fee for a specific transaction is shown in the app before you confirm.
This page is the short version. The binding document is the Fee Schedule; if anything here differs from it, the Fee Schedule applies.
Card issuance
| Item | Fee |
|---|---|
| Virtual card (valid 3 years) | $40 |
| Virtual card via a partner’s link | $35 |
| Physical card | $250, charged to your balance when you order. Collection at the Dubai office — free; delivery to another country — the fee depends on the country and is shown in the app when you order |
| Card replacement after loss or expiry | Virtual — $40. Physical — paid; the price is shown in the app when you order |
| Monthly / annual service fee | $0 |
| Inactivity fee | None |
Top-up
| Item | Value |
|---|---|
| Magic top-up fee | $0 — we credit exactly what arrives |
| Network fee | Paid by the sender |
| Minimum top-up | USDT on TRON — 20 USDT; USDT and USDC on BNB Chain and Polygon — 1 |
| Exchange rate | 1 USDT = 1 USDC = 1 USD |
| Crediting | 1–3 minutes after 1 network confirmation; transfers from a Magic user — instant |
Withdrawals
| Item | Value |
|---|---|
| Where to | USDT: TRON, BNB Chain, Polygon · USDC: BNB Chain, Polygon · another Magic user |
| Minimum amount | $10 |
| Network fee | Charged on top of the transfer amount; the app shows it before you confirm |
| Timing | To the network — within 5 minutes; to another Magic user — instant and free |
Card transactions
| Transaction | Fee |
|---|---|
| Card payment | 3.5% of the transaction amount |
| Payment in another currency | Converted at the Visa rate on the processing date. The amount is shown in the app before you confirm. |
| ATM withdrawal (physical card) | 2% of the amount. The ATM operator may charge its own fee. |
| Transaction dispute | Free |
Limits
| Limit | Value |
|---|---|
| Virtual cards per account | 1 |
| Physical cards per account | 1 |
| Minimum top-up | USDT on TRON — 20 USDT; USDT and USDC on BNB Chain and Polygon — 1 |
| Maximum balance | No limit |
| Daily and monthly spending | $200,000 per day; no monthly limit is set |
| Single transaction | Up to $50,000 |
| ATM withdrawals per day and month | $50,000 per day; no monthly limit is set |
Your current limits are always visible in the app. The issuing partner may apply additional limits, which are also shown there.
Blocked merchant categories
As with any card, some merchant categories are blocked. A payment in one of them will be declined:
- Gambling and lotteries
- Buying cryptocurrency
- Cash advances and quasi-cash transactions
- Adult goods and services
The issuing partner may extend this list. The full legal version is in the Fee Schedule and the Cardholder Agreement.
Magic is not a financial institution. Your balance is not a deposit and is not covered by any deposit insurance scheme.