ecoPayz Account Fees and Limits

If you are hoping to keep firm control over your finances while retaining a flexible approach to your transaction, opening an ecoAccount will let you do both for just a small price. A quick registration process will give you access to worldwide markets on which to spend and exchange money (detailed ecoPayz Review).

ecoAccount Fees

Where conventional banks charge a monthly commission fee to maintain a bank account open, your ecoAccount has no such troublesome service fee insight. Nevertheless, there remain fees which are incurred over a range and variety of financial practices. Whether you are depositing or withdrawing funds through your ecoAccount, any transaction involving money will be subject to a set of fees. These tend to be determined proportionally to the sum of money in question and your status level.

For deposits transferred from your bank to your ecoPayz account, you may expect from 0% to 8.5% charge on your transaction. You may be able to save up by making sure that you are carrying out the majority of your transfers in Euros to make use of efficient and cheap SEPA payments throughout Europe.

You can have a look at the examples of ecoPayz deposit options and fees for a number of countries in the tables given below.

Country VISA ZestPay Instant Payments by Citadel Pay by Bank app Paysafecard ecoVoucher SEPA Neosurf
United Kingdom 1.69% 1.50% (min 2 EUR) 1.60 EUR 1.00 EUR 8.50% 2.90% Free 0-4%
Country VISA Interac online ecoVoucher BTC codePayz
Canada 2.90% 2.90% Free Free 3.50 EUR
Country VISA ZestPay Giropay Trustly Sofort SEPA
Germany 1.69% 1.25% (min 1 EUR) 1.50% (min 1.50 EUR) 0.10 EUR + 3% (min 2 EUR) 1.50% (min 1.50 EUR) Free
Country ZestPay Trustly Paysafecard
Norway 2% (min 1.50 EUR) 0.10 EUR + 3% (min 2 EUR) 8.5%
Country Card payments Contact Beeline/MTC/ Megafon Qiwi Terminal Qiwi wallet Yandex Money
Russian Federation 5% 1.50% (min 2 EUR) Free 5% 5% 2%
Euroset/ Svyaznoy BTC Apple Pay ecoVoucher Google Pay Samsung Pay
3% Free 5% 2.90% 5% 5%
Country ecoVoucher BTC Boleto Bancario Safetypay
Brazil 2.90% Free 3% min 1.50 EUR 2,50% (min 1.50 EUR)

Silver status account holders may transfer funds to other ecoPayz users for a mere 1.5% commission which then vanishes completely when one upgrades to Gold status.

If you are depositing money to certified ecoPayz merchants, absolutely no fee will be incurred by your transaction. This essentially signifies that the greatest worry for your wallet originates from currency conversion charges.

Feature Classic Silver Gold* Platinum VIP
Registration Free Free Free Free Free

Bank wire deposit


0.00-8.50% 0.00-8.50% 0.00-8.50% 0.00-8.50% 0.00-8.50%
Credit card deposit 1.69-6.00% + 0.25 EUR 1.69-6.00% + 0.25 EUR 1.69-6.00% + 0.25 EUR 1.69-6.00% + 0.25 EUR 1.69-6.00% + 0.25 EUR
Withdrawal to bank account n/a 5.90-10.00 EUR 5.90-10.00 EUR 5.90-10.00 EUR 2.90-7.00 EUR
Inter-accounts transfer n/a Free Free Free Free
Transfer to another ecoAccount n/a 1.50% (min.1.50 EUR) Free Free Free
Transfer between ecoPayz Merchant Free Free Free Free Free
Currency conversion 2.99% 2.99% 1.49% 1.49% 1.25%

* Note: there can be some restrictions for the residents of UK, Canada and Bangladesh if they want to get Gold status in ecoPayz on special terms.

If your account is operating in Euros and you wish to make a transfer or conversion to a foreign currency, your lowest fee will still sore at 1.25%. If you are a frequent traveller or often exchange with foreign merchants, you may consider opening an ecoAccount directly in the foreign currency concerned.

Your ecoAccount may be opened in different currencies to give you the ease to carry out transactions away from the standard processing in Euros. Select your preferred currency when registering onto your ecoAccount to allow you to freely switch between currencies and save up on foreign exchange charges.

ecoAccount Limits

Concerning your ecoAccount limits, they are entirely determined by your status. These are most commonly put in place to help ensure the safety and security of your account and any funds held within it. Although there rarely appears any minimum limit, there is a range of caps which have been put in place.

Maximum account balances are capped at €15,000 for a Silver status level but may very efficiently be boosted up to more than six times its value with an upgrade to Gold level. Since limits are determined by the particular financial institution taking care of your funds, they are set based on trust. The more reliable you are in managing your transactions, the higher will the limit is extended. This system is very much the same as what the status upgrades wish to reward. A quick step up to Silver will already increase the transaction caps significantly to one million and half a million Euros for transfers to merchants and bank account withdrawals respectively.

A more detailed breakdown of the transaction restrictions is here forth available for consultation of the benefits of upgrading status levels.

Service Classic Silver Gold Platinum VIP
Maximum Account Balance n/a 15,000.00 EUR 100,000.00 EUR 120,000.00 EUR None
Deposit by Credit/Debit Card
Maximum single transaction
200.00 EUR 1,000.00 EUR 1,500.00 EUR 2,000.00 EUR 2,500.00 EUR
Deposit Credit/Debit Card
Maximum daily limit
200.00 EUR 3,000.00 EUR 5,000.00 EUR 6,000.00 EUR 7,000.00 EUR
Deposit by Bank Account Maximum single transaction 1,000.00 EUR 15,000.00 EUR 100,000.00 EUR 120,000.00 EUR 140,000.00 EUR
Deposit by alternative currency
Max single transaction
1,000.00 EUR 9,999.99 EUR 9,999.99 EUR 9,999.99 EUR 9,999.99 EUR
Transfer to another ecoAccount Maximum single transaction n/a 1,500.00 EUR 3,000.00 EUR 3,500.00 EUR 4,000.00 EUR
Transfer to Merchant Maximum single transaction 2,500.00 EUR 1,000,000.00 EUR 1,000,000.00 EUR 1,000,000.00 EUR 1,000,000.00 EUR
Transfer to bank account
Maximum single transaction
n/a 500,000.00 EUR 500,000.00 EUR 500,000.00 EUR 500,000.00 EUR

ecoCard fees and limits

Until recently, ecoPayz had been issuing a card – ecoCard. Although this card is still used by those who ordered it before, this card is no longer available for new ecoPayz customers. EcoCard was replaced by ecoPayz MasterCard. Its features are very similar to ecoCard, but there are small differences in card fees and limits. If you are interested in more detailed information about ecoCard, you can find it by following this link.

If the ecoCard holder orders an additional prepaid card, he will receive a new ecoPayz MasterCard, but his old ecoCard will be disabled, and in the future, only ecoPayz MasterCard will be available for ordering.

ecoPayz MasterCard Fees

You can obtain your very own ecoPayz MasterCard through ecoPayz. Your account balance will immediately be available for use through your prepaid card for any type of spending, whether physical or online. It gives you both total control and free access to all the finances of your ecoAccount in as many as three different currencies. Operating on either a chip and PIN or contactless system, you can stop by any ATM or merchant to access your money.

If you already have your ecoAccount all set up, you will only have to get your home address down correctly to get an ecoCard promptly sent to you within 1 to 2 days. All three of your potential ecoPayz MasterCards are entirely free to order but will nevertheless endure specific additional fees.

Whenever a transaction is carried out with a MasterCard, a certain price rate is applied to every withdrawal or conversion. Luckily, whereas most banks will charge a hefty commission fee to keep your money more or less warm in their institution, your ecoPayz MasterCard is exempt from such charges. Instead, its users’ losses are, for the most part, reduced to a mere 2% cash withdrawal fee which only doubles for other bank services, including foreign exchange and money order.

Feature Silver Gold Platinum VIP
Card issue and activation Free Free Free Free
Cash withdrawal 2.00% (minimum charge 1.50 EUR) 2.00% (minimum charge 1.50 EUR) 2.00% (minimum charge 1.50 EUR) 2.00% (minimum charge 1.50 EUR)
Cash services 4.00% (minimum charge 0.80 EUR) 4.00% (minimum charge 0.80 EUR) 4.00% (minimum charge 0.80 EUR) 4.00% (minimum charge 0.80 EUR)
Transaction processing Free Free Free Free
Currency conversion 2.99% 2.99% 2.99% 2.99%
Card replacement €12.50 €12.50 €12.50 €12.50
Card renewal Free Free Free Free

ecoPayz MasterCard Limits

When it comes to MasterCard limits, these are determined by your status. Where caps are often put in place to help ensure the security of your account and the money it withholds, they can quickly become a nuisance and potentially incur more costs.

Card limits can come in the form of both a cap on the amount of funds retrieved as well as the actual number of withdrawals used to perform the transactions. Although each status level allows for up to ten daily ATM visits, the actual maximum value of each is set at €250 for the most basic Silver status. If you are hoping to transfer larger sums of money efficiently, you will be forced to split these down into the three allocated withdrawals. Where this can become an issue is when one goes back to consider the charges associated with such a transfer. Indeed, any ATM transaction you carry out will be charged a 2% fee, all ten times around.

A straightforward way to avoid losing on such unfavourable grounds is to upgrade your status into the higher Gold, Platinum or VIP. This will help boost your limit up to €1500 and €11,000 for ATM and shops or e-commerce respectively. Not only will you be able to withdraw more than twice the initial amount, but you will also reduce your money loss since you will only have to pay the fee once to carry out your entire transaction. Luckily, there is not necessarily the need to deposit large sums of money to start upgrading your status. By directly connecting to ecoPayz via Baxity, you will instantly unlock a Gold status and be eligible for VIP after just €10,000 deposits.

Once you bridge that crucial gap between Silver and Gold, your ceiling will be much higher and subsequently your fees much lower. The table provides a further reference for the caps system.

Limit Silver Gold/Platinum/VIP France
Min single transaction No limit No limit No limit
Max single contactless transaction 50 EUR 50 EUR 50 EUR
Cumulative contactless transaction amount 150 EUR 150 EUR 150 EUR
Cumulative number of consecutive contactless transactions 5 5 5
Max single cash* transaction 250 EUR 500 EUR 500 EUR
Max single purchase** transaction 5,500 EUR 11,000 EUR 7,000 EUR
Maximum number of ATM withdrawals per day 10 10 10
Max daily (cash* transactions) 750 EUR 1,500 EUR 750 EUR
Max daily (purchase** transactions)
5,500 EUR
11,000 EUR
7,000 EUR
5,500 EUR 11,000 EUR 7,000 EUR
Max monthly (cash* transactions) No limit No limit 1,000 EUR
Max monthly (purchase** transactions) 22,500 EUR 112,500 EUR 50,000 EUR
Max yearly (purchase** transactions) 112,500 EUR 550,000 EUR 250,000 EUR
Card Life 2 Years 2 Years 2 Years

* Withdrawals in the ATMs and bank withdrawals
** Store and online purchases

ecoVirtualcard Fees

ecoVirtualcards offer some of the most secure and private online payment systems available. Designed as a single-use virtual card, it will essentially reach its expiration date the moment it has been used. For just a meagre €1.80, your virtual card is issued by ecoPayz to link it directly back to your trusty ecoAccount. Whether you are looking to make a payment to a merchant or are testing your luck at a casino, your ecoVirtualcard will never reveal or display any personal information. It will also not ask you to wait for any verification and can be used as soon as it is ordered.

As the name suggests, the use of the ecoVirtualcard is specifically designed for online platforms for worldwide usage. It offers its users optimal flexibility with the option of being set up in the same three currencies as the ecoCard. Although any Silver ecoAccount holder may purchase it, a prepaid version is exclusive to Silver level and above.

The ecoVirtualcard has no associated transaction charges, which makes it completely free to use in the same currency as your account. The only expenses which are able to infiltrate themselves are those related to foreign exchange. If you wish to convert money between currencies, a natural currency conversion fee will be applicable.

Feature Silver Gold Platinum VIP
Card issue and activation €1.80 €1.80 €1.80 €1.80
Cash services 4.00% (minimum charge €0.80) 4.00% (minimum charge €0.80) 4.00% (minimum charge €0.80) 4.00% (minimum charge €0.80)
Transaction processing Free Free Free Free
Currency conversions 2.99% 2.99% 2.99% 2.99%

ecoVirtualcard Limits

Since ecoVirtualcards may only be used in online transactions, the organic transfer limits usually associated with physical cards mostly vanish. Since these function on a single-use basis, the only limit observed is set on the maximum single transaction starting at €700. As always, working on improving your status level is the most effective way to help you maximise your caps.

Limit Silver Gold Platinum VIP
Maximum single transaction €700 €700 €1,000 €1,000
Maximum number of cards per day 3 4 5 5
Maximum number of cards per month 30 40 40 40
Card expiry time 12 months 12 months 12 months 12 months

The most striking difference between the ecoVirtualcard and its physical counterpart the ecoCard Mastercard is undoubtedly the single transaction limit. Where the daily maximum quickly jumped €1,500 in cash transactions for the ecoPayz MasterCard, it remains at €700 for the ecoVirtualcard even when considering the Gold status level onwards.

Nevertheless, this is simply an accurate exemplification of the fundamental way in which these two cards differ. On the one hand, the virtual card provides a user with unparalleled security and anonymity for his most delicate transfers of money. On the other, the ecoCard is designed as an efficient MasterCard to respond to your everyday needs and demands from different merchants.

Ultimately, each one of ecoPayz features holds onto strong benefits, whether it is the ecoAccount, ecoPayz MasterCard or ecoVirtualcard. What they do share in common, is their associated limits and fees which should be carefully considered before selecting either one of them.

Luckily, whichever one you do end up choosing, you will be able to benefit from reduced commissions costs and significantly higher caps as long as your account is registered via Baxity. This is a guaranteed way of optimizing every one of your deposits and withdrawals by helping you upgrade your status level and unlock all of their advantages. Additionally, you can learn the comparison of ecoPayz vs NETELLER and choose the best option for you!


  1. I wanna verify my ecoPayz account. On your FAQ page it says all docs mustn’t be older than 3 months from the date of issue. Both my passport and ID card are older than 3 months. What do I do in this case?

    1. Dear Andrew, the limitation for a period of 3 months applies to the documents for address verification. For proof of identity, you can use the documents that are older than 3 months from the date of issue (passport, ID card, driving license).
      You can verify your address in ecoPayz using the following documents:
      1. Utility bill;
      2. Certificate of residence;
      3. Documents from the bank containing your name, address you provided when registering in ecoPayz, bank seal.

      1. I didn’t know I could use my utility bills. I’ve managed to verify my account. It’s great that there are more options than I initially thought because Skrill rejected my passport when I tried to verify my address with it. Thanks a lot.

        1. Dear Andrew, we are always glad to help you! Thank you for using our service!

  2. Have been using Baxity and ecoPayz since the past few months for gambling. Happy with the benefits I received. Got a cashback of 0.6% as it was promised. The verification took less than I was expecting. Chose ecoPayz coz it has the lowest conversion fees N I think I did well.

    1. Dear Julio, thank you for your feedback and for the trust you have placed in us!

  3. The manager from ecoPayz wants to call me but my spoken English is not as good as my written one. He will speak in English, no? What does I do if I can’t answer his questions? What if he don’t understand my answers? I don’t want to look suspicious but really don’t know what to do in this case. Should I contact them via email and explain my case? Will they understand?

    I was thinking of doing this but wonder if they will see my email in time or if they will just call before seeing the message. I hope you’ve had such a case before and can advise me on the best option for my case. Any advice is greatly appreciated. Thank you.

    1. Dear Ivailo, thank you for your question! The ecoPayz Manager usually calls in the following cases: if they need to check the activity on your account for fraud or to confirm your identity. If you have not committed any actions that are contrary to the ecoPayz rules and policies, You have nothing to worry about. You just need to tell the truth. Also, you don’t have to worry about your English skills: if necessary, you can ask the manager to repeat the question or explain it in a different way if you don’t understand it. In particular, the conversation is available in both English and Bulgarian languages. You can write them an e-mail in advance and explain the situation, and perhaps you will be offered an alternative solution. When writing an e-mail, you can also write a text in your native language and translate it in the translator, and then send it.

      1. Hi Anastasia,
        I had the same problem only I speaks Hindi. Found your reply and I sent ecoPayz an email like you recommend and their found a way to accommodate me. Thank you for your help!

        1. Dear Fateh, thank you very much for your feedback! We are at your service:)

  4. I generally like ecoPayz. I was afraid I would only be able to withdraw up to 250 euros from the ATM but I got Gold status (and 500 euros limit) after account verification. Now I get smaller commission costs since I registered with Baxity and I’m ok with that ;). But now I want to get VIP and increase the limits for transfers, but I have some concerns, that’s why I’m going to clarify one issue: how much time do I have for making deposits to merchants to get VIP in ecoPayz? I know that there is only a month for that in Skrill…Looking forward to your reply.

    1. Dear Lucas, thank you for your feedback! I can assure you that there is nothing for you to worry about in this case because you don’t have limited time for making deposits to merchants in ecoPayz. Therefore you can make deposits at your convenience.

  5. Is ecoPayz good and safe option in India? I wants to make account with them and Baxity but am not sure it is good option. I hope I make right choice.

    1. Dear Advik, thank you for your question! The ecoPayz has established itself as a reliable payment solution with a high level of security. It is regulated under the FCA, compliant with Data Security Standards (DSS) and Payment Card Industry (PCI). Lastly, it is registered by the Information Commissioner’s Office (ICO). So, you can rest assured that ecoPayz is definitely not a scam.
      Lastly, ecoPayz encrypts all transactions via SSL protocol. Servers that hold private data are separate from hardware and are located in highly secure areas and behind firewalls.
      As for signing up for an ecoPayz account with Baxity I can admit that we offer our clients quite profitable options. Registration in ecoPayz via Baxity allows you to get verified in ecoPayz just within 2 hours on business days, get Gold status right after account verification for free and VIP status on favourable terms.
      Anyway, the decision is yours, of course, but I hope my reply will help you in making a decision concerning this issue.

      1. Can Baxity guarantee protection with ecoPayz? I am fear my account gets attacked. Sorry if sounds stupid. Just make sure I do right thing. THX

        1. Advik, ecoPayz uses many methods to protect users’ safety. The majority of them were mentioned above in my previous reply. In addition, to make things even more secure, you can enable 2-step verification. When this is turned on, you will be required to input a verification code every time you access your account (in addition to the password). The code will either be sent to your device or to Google Authenticator. Thus, you don’t need to worry about the protection of your ecoPayz account.

    1. Onugba titus, you can withdraw funds from ecoPayz only to your bank account.

  6. Hello. I made some deposit on my ecopayz account using zestpay. The 4 or 5 first were instantly credited to the account but sundenly the last one was not, but the money was taken from my bank account. It is now 24h but the money is still not credited on my ecopayz account. Do you know why? Should i expect to get the money soon?

  7. Hello, can I transfer or withdraw from my multi-currency account to third party bank accounts? For example, from my balance in ARS from ecoPayz, can I transfer a private individual to their bank account in Argentina and would commissions apply even if it was in the same currency?

    1. Leo, thank you for your question! Unfortunately, work with third party accounts can not be done in ecoPayz. It means that you can only deposit or withdraw from your ecoPayz using your own bank account or bank card. Any attempts to transfer to another person’s bank account will lead to account blocking on suspicion of hacking.

      You can receive or send money to other people only through internal transfers between ecoPayz accounts. It will be with no fee starting from Gold status of account. When withdrawing to your bank account in the same currency, only a fixed commission will be charged for the withdrawal itself — from 5.90 to 10.00 EUR, depending on the country.

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