| Management of the account |
| Account opening | €0 |
| Account maintenance | €0 |
| Customer service | €0 |
| Notifications | €0 |
| Providing a debit card |
| Card issuance | €0 |
| Monthly fee | €0 |
| Per purchase fee | €0 |
| Foreign currency transaction fee | 1% |
| Extra virtual card | €0 |
| Plastic card delivery | €5 |
| Plastic card replacement | €3 |
| Adding money |
| Add cash from a consumer EEA card | €0 |
| Add cash from Google Pay/ Apple Pay | €0 |
| Add cash from a non-EEA card | 3% |
| Add cash from a commercial card | 3% |
| Direct deposit by SEPA credit transfer | €0 |
| Receive a Paylink payment from an EEA card | 1.3% + €0.10* |
| Receive a Paylink payment from a non-EEA card or a commercial card | 2.7% + €0.10* |
| Receive P2P Payment | €0 |
| Sending money |
| P2P Payment from Joompay balance | €0 |
| P2P Payment from a consumer EEA card | €0 |
| P2P Payment from a commercial card | 3% |
| P2P Payment from a non-EEA card | 3% |
| Cash out by SEPA credit transfer | 3 transfers per month free, then €1 each |
| Cash withdrawal |
| ATM balance inquiries | €0 |
| ATM withdrawals | 2%, €2 minimum |
| Other |
| Inactivity fee | €0 |
| Top-Up Chargeback Fee | €30 |
*These fees are waived by us for the first 3 months from the effective date of this Schedule 2 (Our Fees) or from the date when the Paylink functionality is made available to you (whichever is later).