Debit Card Subscription Details, Fees and Limits

X4T Debit Card Fees and Limits

There are two subscriptions for the X4T Debit Card:


Option 1: Monthly Subscription

Initial Card Fee: $40

Monthly Fee: $15



Option 2: Annual Subscription

Initial Card Fee: $0

Annual Fee: $179

Common Fees for Both Subscriptions



Loading Fee: $4 + 3.25% of the amount loaded
POS/Online Purchase Fee: $0.30 per transaction
ATM Fee: $4 + 1% of the amount withdrawn
Currency Conversion Fee: 2.75% on the transaction amount

Limits for Both Subscriptions

Maximum Balance Limit: $150,000 USD
Maximum Monthly Spending Limit: $175,000 USD
ATM Withdrawal Limits:
Maximum 60% of available account balance withdrawable in one withdraw


            $2,000 USD max withdrawal per day

            $1,000 USD max per withdrawal

            $20,000 USD max per month in ATM withdrawals

Updated on: 01/08/2024