How we charge our fees

Flykk App

Welcome to flykk®, an e-money payment platform that allows instant and seamless e-money transfers between merchants and consumers.

When you Top Up with flykk you can:

  • transfer your funds to other flykk users
  • redeem, convert to Euros (€) and send funds to IBAN, card accounts or outside the EEA
  • store and hold funds in your own IBAN account
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flykk Top-Up




Bank Transfer to your flykk IBAN (SEPA / SEPA Instant) Free



General redemption fee applies to funds not redeemed at merchant

Card Top-Up: Mastercard, JCB, Diners, Discover


General redemption fee applies to funds not redeemed at merchant

Other Card Schemes as notified during top-up

General redemption fee applies 

+ up to 3% additional fee applies 

Instant Purchase at Merchant : Mastercard, JCB, Diners, Discover, SEPA/SEPA Instant, SOFORT


Funding by credit card may not be available for certain jurisdictions including UK and Germany. Debit cards for all major card schemes accepted.

Withdraw or transfer Funds from flykk



SEPA & SEPA Instant Euro Transfers


Return Funds to Originating Card


General Redemption fee may apply, depending on funding method.

Send Funds outside the EEA to personal bank accounts - Various Currencies (Except JPY)


€3 + 3.99% FX fee

Spot FX rate applies. General Redemption Fee Applies.

Send Funds to personal Japanese bank accounts

€10 + 3.99%

flykk to flykk transfers



Transfer to other flykk accounts Free

Receive Funds from merchants (Excluding back to own bank card)


Additional Fee information

1. The General Redemption Fee is a 3.99% fee applied to redemption of electronic money funded from a major card scheme source and alternative payment methods, where an Open Banking or direct bank transfer has not been used to fund your flykk® account. It only applies to amounts funded by card or alternative payment methods (APMs). APMs include Sofort. Certain card schemes may have an additional redemption fee applied, which will be notified at time of funding.

2. Currency Conversion: A fee of 3.99% is applied to the market foreign exchange rates. FX rates vary based on prevailing market trend and will be applied immediately without notification.

3. Dormancy fees apply for inactivity over a rolling year, as a maximum of €5.00 per calendar month (or foreign currency equivalent)

4. International Transfer fees and foreign exchange will be dynamically displayed.