Every charge is listed on the pricing page, and the figures there are read from the live settings rather than typed by hand, so they cannot fall out of step with what you are actually charged. In the app the exact fee is shown before you confirm — on the deposit screen, on the card creation form and on the top-up form. There is no monthly fee, no minimum balance on your account, and no charge for an account sitting idle. Each card does keep a small minimum, shown on the pricing page, that can't be spent while the card is open; closing the card returns its full balance, minimum included.