Limits and fees

Rewards and referrals

How Fundly cashback in USDC works at launch, the monthly caps, and how the referral program pays both sides.

Fundly keeps rewards simple. Cashback is paid in USDC, the caps are published, and the referral bonus is the same for you and the person you invite. There are no points, no tiers to decode, and no rewards that quietly pay for a hidden FX fee.

Note

The rewards program is a launch program. We may change or end it, and we will give at least 30 days notice in the app before any change. Rewards already earned are not taken back.

Cashback at launch

Plan	Cashback on card spend	Monthly cap
Free	0.5% in USDC for your first 90 days	10 EUR equivalent
Plus	1% in USDC	20 EUR equivalent
Premium	1% in USDC	50 EUR equivalent

How it is calculated

Cashback is calculated on the settled amount of each card payment, in your account currency, and paid as USDC to a rewards balance in the app. It is paid once the transaction settles, which is usually 1 to 3 days after the purchase.

Cashback is not earned on:

ATM withdrawals and cash-like transactions (money orders, gambling, crypto purchases)
Refunded or disputed payments
Fees, including the plan fee
Transfers from your IBAN account

If a purchase is refunded after cashback was paid, the cashback is deducted from your next payout.

Using your cashback

Your USDC rewards balance can be converted to your account currency at the published rate at any time, with no fee, and spent with your card. Go to Rewards, then Convert. Instant card holders can earn and use cashback too; converted cashback counts toward your monthly load limit, and Instant cards have monthly limits set by our partner and regulators.

Referral program

Invite a friend and you both earn 10 USDC.

Sign in to the Fundly web app at app.fundly.xyz and go to Rewards, then Invite.
Share your link or your referral code.
Your friend creates an account with the link or code within 30 days.
Once they make a first deposit of 50 EUR or more and complete one card transaction, both of you receive 10 USDC in your rewards balance.

Referral tiers

Successful referrals	Extra bonus
5	25 USDC
25	150 USDC
100	750 USDC

Successful means the referred user completed both the deposit and the card transaction. Tiers count over the life of your account.

Warning

Referring yourself, creating multiple accounts, or paying people to sign up breaks the referral terms. We check for this, and it results in the loss of all referral rewards and can lead to account closure.

Rewards and tax

Cashback and referral rewards may be taxable where you live. Fundly does not withhold tax or give tax advice. Your statement CSV lists every reward so you can report it if you need to. See Sending and receiving transfers for exports.

Plans: Free, Plus, Premium

How your funds are held

Fundly is a financial technology company, not a bank. Limits and fees described as “at launch” are proposals and may change.