Pay Only for Real Value
No hidden markups. Every cent is transparent.
Internal Settlement
$0
- Account opening $0
- ICT-to-ICT transfers $0
US Domestic
From $1
- ACH clearing $1/transaction
- Wire transfer $15/transaction
FX Conversion
0.5%
- Cross-border & multi-currency 0.5%-1.5%
- Real-time competitive market rates
Why Choose ICT Pay?
| Feature | ICT Pay | Traditional Banks | Other Digital Banks |
|---|---|---|---|
| Account Opening | Free | $25-$100 | $0-$10 |
| Opening Speed | Minutes | 1-4 Weeks | 1-3 Days |
| Internal Transfer Fee | $0 | N/A | $0-$5 |
| ACH Fee | $1 | $5-$30 | $1-$5 |
| International Wire Fee | Competitive | $25-$50 | $10-$30 |
| FX Markup | 0.5%-1.5% | 2%-5% | 1%-3% |
| Availability | 24/7 | Business Days | Partial |
FeatureAccount Opening
ICT PayFree
Traditional Banks$25-$100
Other Digital Banks$0-$10
FeatureOpening Speed
ICT PayMinutes
Traditional Banks1-4 Weeks
Other Digital Banks1-3 Days
FeatureInternal Transfer Fee
ICT Pay$0
Traditional BanksN/A
Other Digital Banks$0-$5
FeatureACH Fee
ICT Pay$1
Traditional Banks$5-$30
Other Digital Banks$1-$5
FeatureInternational Wire Fee
ICT PayCompetitive
Traditional Banks$25-$50
Other Digital Banks$10-$30
FeatureFX Markup
ICT Pay0.5%-1.5%
Traditional Banks2%-5%
Other Digital Banks1%-3%
FeatureAvailability
ICT Pay24/7
Traditional BanksBusiness Days
Other Digital BanksPartial
We commit to real-time competitive market rates, rejecting hidden spreads.
Complete Fee Schedule
Every fee clearly listed. Absolutely no hidden charges.
| Fee Item | Rate | Details |
|---|---|---|
| Account Opening | Free | Free for both personal and business accounts |
| Monthly Maintenance | Free | No minimum balance required |
| ICT Internal Transfer | $0 | Real-time transfers between users, unlimited |
| ACH Transfer | $1 / txn | US domestic standard clearing, 1-2 business days |
| ACH Rush | $5 / txn | US domestic expedited clearing, same-day |
| Domestic Wire (Fedwire) | $15 / txn | US domestic real-time wire transfer |
| International Wire (SWIFT) | $25 / txn | International remittance, 1-3 business days |
| FX Conversion | 0.5% - 1.5% | Based on mid-market rate, real-time transparent |
| Visa Virtual Card (Issuance) | Free | Instant issuance, no annual fee |
| Visa Physical Card (Issuance) | $10 | One-time card fee, shipping included |
| Visa Card Transactions | Free | No fee for domestic purchases |
| Visa Card Cross-border | 1% | International purchase fee |
| ATM Withdrawal (Domestic) | $2 / txn | First 2 per month free |
| ATM Withdrawal (International) | $3 / txn | ATM operator fees may apply |
| Refund / Chargeback | Free | Dispute resolution at no charge |
| Account Closure | Free | Close anytime, no penalty |
Fee ItemAccount Opening
RateFree
DetailsFree for both personal and business accounts
Fee ItemMonthly Maintenance
RateFree
DetailsNo minimum balance required
Fee ItemICT Internal Transfer
Rate$0
DetailsReal-time transfers between users, unlimited
Fee ItemACH Transfer
Rate$1 / txn
DetailsUS domestic standard clearing, 1-2 business days
Fee ItemACH Rush
Rate$5 / txn
DetailsUS domestic expedited clearing, same-day
Fee ItemDomestic Wire (Fedwire)
Rate$15 / txn
DetailsUS domestic real-time wire transfer
Fee ItemInternational Wire (SWIFT)
Rate$25 / txn
DetailsInternational remittance, 1-3 business days
Fee ItemFX Conversion
Rate0.5% - 1.5%
DetailsBased on mid-market rate, real-time transparent
Fee ItemVisa Virtual Card (Issuance)
RateFree
DetailsInstant issuance, no annual fee
Fee ItemVisa Physical Card (Issuance)
Rate$10
DetailsOne-time card fee, shipping included
Fee ItemVisa Card Transactions
RateFree
DetailsNo fee for domestic purchases
Fee ItemVisa Card Cross-border
Rate1%
DetailsInternational purchase fee
Fee ItemATM Withdrawal (Domestic)
Rate$2 / txn
DetailsFirst 2 per month free
Fee ItemATM Withdrawal (International)
Rate$3 / txn
DetailsATM operator fees may apply
Fee ItemRefund / Chargeback
RateFree
DetailsDispute resolution at no charge
Fee ItemAccount Closure
RateFree
DetailsClose anytime, no penalty
Zero Hidden Fees Commitment
No minimum balance required
No monthly maintenance fee
No account inactivity fee
No inbound transfer fee
No hidden FX markup
Fee Calculator
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Fee Calculator
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Fee$0.00
Estimated ArrivalInstant
Total Cost$1000.00