PERSONAL
PERSONAL
PERSONAL
TRANSPARENT PRICING
TRANSPARENT PRICING
Simple fees.
No Surprises.
Simple fees.
No Surprises.
Know exactly what you pay before every transaction. Most things on Evolution are completely free, you only pay when you receive international wire transfers.
Know exactly what you pay before every transaction. Most things on Evolution are completely free, you only pay when you receive international wire transfers.
Free account forever
Free account forever
Free local withdrawals
Free local withdrawals
Free stablecoin deposits
Live exchange rates daily
Live exchange rates daily
Free stablecoin deposits
Free stablecoin deposits
INTERNATIONAL PAYMENTS
ACCOUNT TIERS & LIMIT
OTHER FEES
Receiving International Payments
Fee = % of amount received + fixed charge
USD . ACH STANDARD
ACH Transfer
Standard bank-to-bank transfers from U.S. accounts. Typically arrives in 1–3 business days.
0.75%
+ $0.60
Per transaction received
On a $1,000 deposit → fee is $8.10 → you receive $991.90
USD . ACH SAME DAY
Same-Day ACH
Expedited ACH processing for same-business-day credit to your Evolution balance.
0.75%
+ $1.20
Per transaction received
On a $1,000 deposit → fee is $8.70 → you receive $991.30
USD . WIRE TRANSFER
Fedwire
Domestic U.S. wire transfers for large payments. Typically same-day settlement.
0.75%
+ $30.00
Per transaction received
On a $5,000 deposit → fee is $67.50 → you receive $4,932.50
EUR · SEPA
SEPA Transfer
Euro payments from European bank accounts via the SEPA network. Received EUR is converted to USD at Evolution's daily rate and credited to your unified USD balance.
0.80%
+ €2.00
Per transaction received · EUR converted to USD
On a €1,000 deposit → fee is €10.00 → net EUR converted to USD at daily rate
USDT · USDC · STABLECOIN
Stablecoin Deposit
Receive USDT or USDC directly to your Evolution account. Credited 1:1 to your USD balance upon on-chain confirmation.
Free
Evolution charges nothing — blockchain network fees apply
On a $1,000 deposit → fee is $8.70 → you receive $991.30
What's Always Free
Account Opening
Create your Evolution account at no cost. No monthly maintenance fee, ever.
Local NGN Deposits
Send Naira from any Nigerian bank to your virtual Naira account — free, always.
Local NGN Withdrawals
Convert your USD balance to Naira and send to any Nigerian bank account — free.
Stablecoin Withdrawals
Send USDT or USDC from your balance to any external wallet. Only network fees apply — charged by the blockchain, not Evolution.
Currency Conversion
NGN ↔ USD conversions use Evolution's published daily rate. No hidden conversion fee.
Virtual Naira Account
A dedicated Naira account number in your name, issued free on account creation.
How Our Exchange Rate Works
Evolution publishes its USD/NGN and USD/EUR exchange rates daily. The rate applied to any conversion — whether you're depositing NGN, receiving EUR, or withdrawing to a Nigerian bank — is the rate published at the time your transaction is processed. Rates are visible in the app before you confirm any transaction.
Exchange rates are set by Evolution based on prevailing interbank market conditions and are updated at least once per business day. Displayed rates are indicative until a transaction is confirmed. Evolution does not charge a separate conversion fee — the rate itself incorporates our cost of providing the service.
Frequently Asked Questions
Are there any hidden fees on Evolution?
No. Every fee on Evolution is published on this page and disclosed in the app before you confirm a transaction. The only charges that are outside our control are blockchain network (gas) fees on stablecoin transactions — these are set by the network itself, not by Evolution, and we pass them through at cost with no markup.
When is Fedwire worth it compared to ACH
Fedwire carries a flat $30 fee, making it cost-effective only on larger transfers. For example, on a $500 transfer, Fedwire costs $33.75 vs. $4.35 for ACH Standard. On a $10,000 transfer, the difference narrows: Fedwire is $105 vs. $75.60 for ACH. If you need same-day certainty and your amount is large, Fedwire is the right rail. For everything else, ACH Standard is more economical.
What rate is applied when I withdraw to my Nigerian bank
Evolution publishes its USD/NGN rate daily. The rate applied is the one active at the time your withdrawal is processed, which you will see in the app before you confirm. The rate is updated at least once per business day based on interbank market conditions. There is no additional conversion fee — the rate reflects our full cost of providing the service.
Why do USD and EUR virtual accounts require Tier 3
USD accounts receiving payments via ACH and Fedwire, and EUR accounts receiving SEPA payments, involve U.S. and EU banking infrastructure with stricter regulatory requirements. Proof of Address is required by our banking partners to issue accounts on these rails. Tier 1 and Tier 2 users can still receive international payments via stablecoin (USDT/USDC) and local NGN deposits without restriction.
s there a minimum amount I can receive?
There is no published minimum for stablecoin or local NGN deposits. For ACH, Fedwire, and SEPA, practical minimums may be imposed by the sending institution. We recommend ensuring transfers are large enough that the fixed fee component (e.g. $0.60 for ACH or $30 for Fedwire) represents a reasonable proportion of the amount sent.
What happens if a payment sent to me is reversed?
If a payment credited to your Evolution account is subsequently reversed or returned by the originating bank or institution, the amount will be debited from your account balance. A reversal/return fee will also apply — the exact amount will be published here and disclosed in our Terms of Service. If a reversal results in a negative balance, you are required to promptly repay the deficit.
Will there be a fee for virtual dollar card when it launches?
The virtual dollar card is not yet live. Pricing for the card — including any issuance fee, monthly fee, or foreign transaction markup — has not been finalized. We will update this page and notify all users before the card feature launches.
Your address might still be local.
Your address might
still be local.
Your money doesn't have to be
Your money doesn't have to be
INTERNATIONAL PAYMENTS
ACCOUNT TIERS & LIMIT
OTHER FEES
Fee = % of amount received + fixed charge
Receiving International Payments
USD . ACH STANDARD
ACH Transfer
Standard bank-to-bank transfers from U.S. accounts. Typically arrives in 1–3 business days.
0.75%
+ $0.60
Per transaction received
On a $1,000 deposit → fee is $8.10 → you receive $991.90
USD . ACH SAME DAY
Same-Day ACH
Expedited ACH processing for same-business-day credit to your Evolution balance.
0.75%
+ $1.20
Per transaction received
On a $1,000 deposit → fee is $8.70 → you receive $991.30
USD . WIRE TRANSFER
Fedwire
Domestic U.S. wire transfers for large payments. Typically same-day settlement.
0.75%
+ $30.00
Per transaction received
On a $5,000 deposit → fee is $67.50 → you receive $4,932.50
EUR · SEPA
SEPA Transfer
Euro payments from European bank accounts via the SEPA network. Received EUR is converted to USD at Evolution's daily rate and credited to your unified USD balance.
0.80%
+ €2.00
Per transaction received · EUR converted to USD
On a €1,000 deposit → fee is €10.00 → net EUR converted to USD at daily rate
USDT · USDC · STABLECOIN
Stablecoin Deposit
Receive USDT or USDC directly to your Evolution account. Credited 1:1 to your USD balance upon on-chain confirmation.
Free
Evolution charges nothing — blockchain network fees apply
On a $1,000 deposit → fee is $8.70 → you receive $991.30
Frequently Asked Questions
Are there any hidden fees on Evolution?
No. Every fee on Evolution is published on this page and disclosed in the app before you confirm a transaction. The only charges that are outside our control are blockchain network (gas) fees on stablecoin transactions — these are set by the network itself, not by Evolution, and we pass them through at cost with no markup.
When is Fedwire worth it compared to ACH
Fedwire carries a flat $30 fee, making it cost-effective only on larger transfers. For example, on a $500 transfer, Fedwire costs $33.75 vs. $4.35 for ACH Standard. On a $10,000 transfer, the difference narrows: Fedwire is $105 vs. $75.60 for ACH. If you need same-day certainty and your amount is large, Fedwire is the right rail. For everything else, ACH Standard is more economical.
What rate is applied when I withdraw to my Nigerian bank
Evolution publishes its USD/NGN rate daily. The rate applied is the one active at the time your withdrawal is processed, which you will see in the app before you confirm. The rate is updated at least once per business day based on interbank market conditions. There is no additional conversion fee — the rate reflects our full cost of providing the service.
Why do USD and EUR virtual accounts require Tier 3
USD accounts receiving payments via ACH and Fedwire, and EUR accounts receiving SEPA payments, involve U.S. and EU banking infrastructure with stricter regulatory requirements. Proof of Address is required by our banking partners to issue accounts on these rails. Tier 1 and Tier 2 users can still receive international payments via stablecoin (USDT/USDC) and local NGN deposits without restriction.
s there a minimum amount I can receive?
There is no published minimum for stablecoin or local NGN deposits. For ACH, Fedwire, and SEPA, practical minimums may be imposed by the sending institution. We recommend ensuring transfers are large enough that the fixed fee component (e.g. $0.60 for ACH or $30 for Fedwire) represents a reasonable proportion of the amount sent.
What happens if a payment sent to me is reversed?
If a payment credited to your Evolution account is subsequently reversed or returned by the originating bank or institution, the amount will be debited from your account balance. A reversal/return fee will also apply — the exact amount will be published here and disclosed in our Terms of Service. If a reversal results in a negative balance, you are required to promptly repay the deficit.
Will there be a fee for virtual dollar card when it launches?
The virtual dollar card is not yet live. Pricing for the card — including any issuance fee, monthly fee, or foreign transaction markup — has not been finalized. We will update this page and notify all users before the card feature launches.
What's Always Free
Account Opening
Create your Evolution account at no cost. No monthly maintenance fee, ever.
Local NGN Deposits
Send Naira from any Nigerian bank to your virtual Naira account — free, always.
Local NGN Withdrawals
Convert your USD balance to Naira and send to any Nigerian bank account — free.
Stablecoin Withdrawals
Send USDT or USDC from your balance to any external wallet. Only network fees apply — charged by the blockchain, not Evolution.
Currency Conversion
NGN ↔ USD conversions use Evolution's published daily rate. No hidden conversion fee.
Virtual Naira Account
A dedicated Naira account number in your name, issued free on account creation.
How Our Exchange Rate Works
Evolution publishes its USD/NGN and USD/EUR exchange rates daily. The rate applied to any conversion — whether you're depositing NGN, receiving EUR, or withdrawing to a Nigerian bank — is the rate published at the time your transaction is processed. Rates are visible in the app before you confirm any transaction.
Exchange rates are set by Evolution based on prevailing interbank market conditions and are updated at least once per business day. Displayed rates are indicative until a transaction is confirmed. Evolution does not charge a separate conversion fee — the rate itself incorporates our cost of providing the service.
Resources
Help Center
©2026 Evolution. All rights reserved.
By using this website, you consent to our Terms of Service & Privacy Policy which outlines how we collect, use, and safeguard your data.
Evolution is a financial technology company, not a bank. Licensed banking partners provide our banking-like services
Evolution is registered as a Money Service Business (MSB) with the United States’ Financial Crimes Enforcement Network (FinCEN). Our banking services are provided by licensed U.S.-based financial partners.
Resources
Help Center
©2026 Evolution. All rights reserved.
Evolution is a financial technology company, not a bank. Licensed banking partners provide our banking-like services
Evolution is registered as a Money Service Business (MSB) with the United States’ Financial Crimes Enforcement Network (FinCEN). Our banking services are provided by licensed U.S.-based financial partners.
By using this website, you consent to our Terms of Service & Privacy Policy which outlines how we collect, use, and safeguard your data.
Resources
Help Center
©2026 Evolution. All rights reserved.
Evolution is a financial technology company, not a bank. Licensed banking partners provide our banking-like services
Evolution is registered as a Money Service Business (MSB) with the United States’ Financial Crimes Enforcement Network (FinCEN). Our banking services are provided by licensed U.S.-based financial partners.
By using this website, you consent to our Term of Service & Privacy Policy which outlines how we collect, use, and safeguard your data.