Fees and Limits
Last updated, November 15, 2026
Recon Finance Digital Bank currently runs in demo mode while licensing is completed. Balances, transfers, cards, investments and loans inside the app are demo records and no real money moves. These documents describe how the service works today and how it will work when live banking launches.
Accounts and transfers
| Service | Fee |
|---|---|
| Opening an account | Free |
| Internal transfer between Recon accounts | Free |
| Local transfer | Free in demo mode |
| Wire transfer, international | Free in demo mode |
| PayPal and Skrill sends | Free in demo mode |
| Crypto sends and swaps | Free in demo mode, demo rates shown in the app |
Virtual card issuance
| Card level | Issuance fee |
|---|---|
| Standard | $5 |
| Gold | $15 |
| Platinum | $30 |
| Black | $50 |
The issuance fee is deducted from your account balance when your card is created, and is always shown before you confirm.
Loans
Loan interest starts from 5 percent per year. The exact total to repay is calculated from your amount, rate and term, and is shown in your loan record before and after approval. One active loan at a time.
Investments
There is no fee to start an investment plan. Each plan shows its maximum investment, return terms and duration in the app before you confirm, and your capital is locked until maturity.
Changes
When live banking launches, a regulated fee schedule will replace this demo schedule and will be published on this page before it takes effect.
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