We provide a variety of services in the ZenGo app — some require fees and others are free to use. You will always be able to send, receive, and securely store your cryptocurrency in ZenGo free of charge, anywhere in the world, without limits.

Definitions

  • Network fee: Paid to the blockchain network operators. This fee changes over time, based on network conditions and is not paid to ZenGo. Note that network fees for ERC20 tokens are paid in ETH.

  • Processing fee: Paid to the operators of the buying, selling, and trading services. This is a % of the total transaction amount and varies by operator and asset, where usually a minimum applies (See below).

  • Spread: Paid to the operators of the buying, selling, and trading services. Represents the difference between the asset's price which is presented by the operator during the purchase and the asset's market price (spot price). This is a % of the total transaction amount and varies by operator and asset.

  • Gateway fee: Paid to the operators of the buying and selling services in order to cover their costs for receiving and processing the transaction with credit card companies, banks, and other payment providers.

  • Local currency conversion fee: Paid to the operators of the service when you buy cryptocurrency in a local currency in order to cover the costs of converting currencies.

Total Fee Calculation

To know how much fees in total you are paying, add up all the fee types

spread fees + processing fees + gateway fees + network fees

The details are always presented to you for your approval before the final checkout.

Receive crypto

  • Processing fee/spread: 0%

  • Minimum: Not applicable

  • Maximum: Not applicable

  • Network fee: Not applicable

Send crypto

  • Processing fee/spread: 0%

  • Minimum: Not applicable (but you need the minimum for network fees (not paid to ZenGo)

  • Maximum: Not applicable

  • Network fee: Yes

Buy crypto

Special Banxa promotion

Purchasing in ZenGo with Banxa entitles you to special terms, such as zero fees on your first purchase up to $200, and purchasing stablecoins with bank transfers with only 0.1% in fees. Learn more here

Network fees and other terms apply for both promotions.

Buy crypto with bank transfer

A. Banxa

  • SEPA (EU), Local Payments (UK), PIX (Brazil), Interac (Canada), iDEAL (Netherlands), OSKO/Pay ID/POLi (Australia), Bank Transfer (Turkey & South Africa)

    • Spread: 1.99% (Except stablecoins which are 0.1%)

    • Processing fee: included in the spread

    • Gateway fee: 0%

    • Local currency conversion fee: No

    • Network fee: Yes

    • Minimum: 50 USD, 50 EUR or the equivalent in your local currency

  • Wire Transfer (US)

    • Spread: 1.99% (Except stablecoins which are 0.1%)

    • Processing fee: included in the spread

    • Gateway fee: 0%

    • Local currency conversion fee: No

    • Network fee: Yes

    • Minimum: 100 USD

B. Moonpay (non-US residents only)

  • PIX (Brazil - BRL), Local Payments (UK - GBP), SEPA (EU - EUR)

    • Spread: Usually 1.5%-3.0%

    • Processing fee: 1.99% (with a min. €3.99/£3.99/$3.99 or currency equivalent)

    • Gateway fee: 0%

    • Local currency conversion fee: Yes, for non-USD/CAD/AUD/EUR/GBP currencies

    • Network fee: Yes

    • Minimum: 85 USD/EUR/GBP

Buy crypto with Credit card, Debit card, Apple Pay or Google Pay

A. Banxa

  • Spread: 3.0%

  • Processing fee: included in the spread

  • Gateway fee: 1.99%

  • Local currency conversion fee: No

  • Network fee: Yes

  • Minimum: 50 USD, 50 EUR or the equivalent in your local currency

B. Moonpay

  • Spread: Usually 1.5%-3.0%

  • Processing fee: 4.0% (with a min. €3.99/£3.99/$3.99 or currency equivalent)

  • Gateway fee: 1.99%

  • Local currency conversion fee: Yes, for non-USD/CAD/AUD/EUR/GBP currencies

  • Network fee: Yes

  • Minimum: 85 USD

C. Coinmama

Max Limits and caps on purchase

Different purchase vendors have different daily, weekly and monthly caps and limits of purchase based on the coin, method of payment, and geography.

You will see an alert message if you are below or above these purchase limits when creating your order.

If, for any reason, you hit a limit with a particular vendor (eg Moonpay) you can always use the other options available in ZenGo, as those limits are not cumulative to providers

Finally, limits of purchase, trade, and sell are not cumulative with one another.

Sell crypto to a bank account

Moonpay

  • Spread: Usually 1.5%-3.0%

  • Processing fee: 1.99% (with a min. €3.99/£3.99/$3.99 or currency equivalent)

  • Gateway fee: 0%

  • Minimum: 0.001 BTC, ETH: 0.01, BCH: 0.05, USDC: 30, USDT: 30

  • Maximum: 2k EUR daily, 10k EUR monthly

  • Network fee: Yes

Trade crypto

Changelly

  • Processing fee: 0.5%

  • Spread: Up to 2.0%, for most pairs but can vary

  • Minimum: Differs by trading pair and market liquidity

  • Maximum: Differs by trading pair and market liquidity

  • Network fee: Yes

Savings (operated by Nexo)

Deposit

  • Processing fee: 0%

  • Minimum/maximum: see article

  • Network fee: Yes

Withdraw from Savings

  • Processing fee: 0%

  • Minimum/maximum: see article

  • Network fee: Yes, except for one free withdrawal per calendar month.

Activate Tezos staking

  • Processing fee: 0%

  • Minimum: N/A

  • Maximum: N/A

  • Network fee: Yes

3rd party Defi and Web3 services

When you connect your ZenGo wallet to a 3rd party Dapp to manage a crypto asset, ZenGo does not charge any fee. You may be presented a network fee paid to miners. The trades and services you chose to use via app connect are not operated by or in ZenGo and ZenGo does not sell any coin or digital asset to you.

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