Yellow Card fees
- Our rating
- 4.1
- Headline
- Spread built into the price
- Review updated
- 2026-08-12
Posted trading fees are low or zero; the cost sits in a spread built into the quoted buy and sell prices. Local deposits by bank transfer or mobile money are typically free.
Fee schedule
- spread note
- Buy and sell quotes include a spread over the market rate; posted trading fees are low or zero.
- deposit note
- Local bank transfer and mobile money deposits are typically free.
- withdrawal note
- Bitcoin withdrawals pay a network fee; local currency payout options vary by country.
What the rails themselves cost
The scheme or the bank sets these, not Yellow Card. The 6 rails Yellow Card offers in the most countries we rank it in.
- Local bank transfer
- Domestic transfers are free or close to free for consumers in most countries, and in the euro area the Instant Payments Regulation forbids charging more for an instant credit transfer than for a standard one.
- Airtel Money
- Charged per transaction rather than as a subscription, with sending and cashing out priced in bands that rise with the amount, on a separate tariff table for each country.
- MTN MoMo
- Depositing onto your own MoMo account is free, while sending and withdrawing are charged in bands that rise with the amount, on a tariff table MTN publishes country by country.
- Orange Money
- Depositing is free, while withdrawals and transfers are charged per country: Orange Cameroon, for example, takes 1 percent plus 4 CFA francs on withdrawals between 5,000 and 399,999 CFA francs.
- Moov Money
- Fees are flat amounts stepped by band rather than a percentage: Moov Africa Benin prices withdrawals from 50 FCFA on the smallest band up to 9,900 FCFA on the largest, and app transfers between Moov Money customers at a flat 50 FCFA.
- M-Pesa
- Charges come from the operator's published tariff table, which steps up in flat bands with the amount for sending and for cashing out rather than applying a single percentage.
How Yellow Card compares
The headline fee line from each alternative's review. Headlines hide spreads and funding fees, so open the full schedule before choosing.
| Exchange | Rating | Fees | ID check | Fee guide |
|---|---|---|---|---|
| Yellow Card | 4.1 | Spread built into the price | Required | |
| Luno | 4.0 | Spread on instant buys | Required | Fee guide |
| Binance | 4.2 | From 0.1% spot, maker and taker | Required | Fee guide |
| Coinmama | 3.9 | Commission plus card surcharge | Required | Fee guide |
Compared: Luno, Binance and Coinmama, the alternatives our Yellow Card review names.
Frequently asked questions
What are Yellow Card's trading fees?
Posted trading fees are low or zero; the cost sits in a spread built into the quoted buy and sell prices. Local deposits by bank transfer or mobile money are typically free.
Does Yellow Card charge deposit fees?
Local bank transfer and mobile money deposits are typically free.
What does Yellow Card charge to withdraw bitcoin?
Bitcoin withdrawals pay a network fee; local currency payout options vary by country.
Is there a spread on Yellow Card?
Buy and sell quotes include a spread over the market rate; posted trading fees are low or zero.
How do Yellow Card's fees compare with its alternatives?
Headline fee lines, from each review: Luno, Spread on instant buys; Binance, From 0.1% spot, maker and taker; Coinmama, Commission plus card surcharge. Yellow Card's own line is Spread built into the price. A headline hides the spread and the funding fee, so compare the full schedules before choosing.