> ## Documentation Index
> Fetch the complete documentation index at: https://docs.jup.ag/llms.txt
> Use this file to discover all available pages before exploring further.
# Fees & Limits
> Fee structure, spending limits, and supported countries across all Jupiter Spend products.
## Jupiter Card
### Fees
| Fee | Amount |
| -------------------- | -------------------------- |
| Annual fee | None |
| USDC deposit fee | None (credited 1:1 in USD) |
| FX conversion (Rain) | 1% on non-USD payments |
| FX conversion (DCS) | 1.8% on non-USD payments |
No fee applies for payments made in USD.
Standard onchain network fees apply when depositing and are paid to the network, not to Jupiter. This network cost is a flat amount that depends on the deposit network: around \$0.30 on Arbitrum and Base, and around \$0.10 on Sui. Because it is flat, it can look large on a small deposit. On Solana, there is no flat network cost. However, if the receiving address has no USDC token account yet, a one-time account creation cost (around 0.002 SOL, set by the network) is added. With Gasless Send, this cost is deducted in USDC from the amount sent.
### Spending Limits
| Card Issuer | Daily Limit | Annual Limit |
| ----------- | ----------- | ------------ |
| DCS | \$50,000 | \$990,000 |
| Rain | No limit | No limit |
### Withdrawals
Withdrawing funds from your card balance to a bank account (off-ramp) is powered by our partner Noah and is available in all supported countries. Support is region-dependent due to regulatory requirements. Any region not listed below is supported in all available currencies.
In the regions below, off-ramp support is limited to the currencies marked. **Yes** = supported, **No** = not supported. For the latest list, see [Noah's restricted jurisdictions](https://noah.com/en/uk/restricted-geos).
| Region | EUR | USD |
| -------------------------------- | --- | --- |
| Afghanistan | No | No |
| Albania | No | Yes |
| Armenia | No | Yes |
| Azerbaijan | No | Yes |
| Barbados | No | Yes |
| Belarus | No | No |
| Bhutan | Yes | No |
| Botswana | No | Yes |
| Burkina Faso | No | Yes |
| Burundi | No | No |
| Cambodia | No | Yes |
| Central African Republic | No | Yes |
| China | No | No |
| Democratic Republic of the Congo | No | No |
| Cuba | No | No |
| Ghana | No | Yes |
| Guinea | No | Yes |
| Guinea-Bissau | No | No |
| Haiti | No | No |
| Iran | No | No |
| Iraq | No | No |
| Jamaica | No | Yes |
| Japan | No | Yes |
| Jordan | No | Yes |
| Kazakhstan | No | Yes |
| North Korea | No | No |
| Kosovo | Yes | No |
| Kyrgyzstan | No | Yes |
| Lebanon | No | No |
| Libya | No | No |
| North Macedonia | No | No |
| Mali | No | Yes |
| Morocco | No | Yes |
| Mozambique | No | No |
| Myanmar | No | No |
| Nicaragua | No | No |
| Niger | Yes | No |
| Pakistan | No | Yes |
| Palestine | No | No |
| Panama | No | No |
| Qatar | No | Yes |
| Russia | No | No |
| Senegal | No | Yes |
| Somalia | No | No |
| South Sudan | No | No |
| Sudan | No | No |
| Syria | No | No |
| Tajikistan | No | Yes |
| Tanzania | No | Yes |
| Trinidad and Tobago | No | Yes |
| Tunisia | No | Yes |
| Turkmenistan | No | Yes |
| Uganda | No | Yes |
| Ukraine | No | No |
| United Kingdom | No | No |
| United States | No | Yes |
| Uzbekistan | No | Yes |
| Vanuatu | No | Yes |
| Venezuela | No | No |
| Yemen | No | No |
| Zimbabwe | No | No |
### Regional Differences
| | Rain | DCS |
| --------------------- | -------- | --------- |
| FX fee | 1% | 1.8% |
| Daily spending limit | No limit | \$50,000 |
| Annual spending limit | No limit | \$990,000 |
**For Rain users: Spend Balance vs. Withdrawal Balance**
The `Spend balance` you see in the app is the amount you can spend on your card. It's not the same as the amount you can withdraw back to your wallet.
If you get a refund on the card, that refund gets added to your spend balance so you can keep using it, but it can't be withdrawn. This is due to how Visa settles refunds with Rain.
***
## QR Pay
| | |
| --------------------- | -------------------------- |
| Fees | None (payer and recipient) |
| FX conversion | Market rate |
| Daily limit | \$5,000 |
| Per Transaction Limit | \$500 |
The 0% fee structure is permanent and applies to merchant transactions, including currency conversion.
Merchant QR payments are supported in all QR Pay markets. P2P (person-to-person) QR payments are available in select jurisdictions.
**Availability:** Vietnam, Thailand, Philippines, Singapore\*
*\*QR Pay is not yet available on newer card accounts; support is being added.*
***
## Remittance
| | |
| ------------------ | ----------- |
| Transfer fees | None |
| FX conversion | Market rate |
| Per-transfer limit | \$10,000 |
Currency conversions are done at the market rate. Virtual accounts are funded by incoming fiat transfers only.
**SWIFT:** Transfers to over 200 countries. Specific corridors may be subject to restrictions depending on the recipient's bank and local regulations.
**Local payouts:** AED, BRL, CAD, EUR, GBP, IDR, INR, JPY, MAD, MXN, MYR, NGN, PHP, SAR, SGD, THB, TRY, TWD, USD, VND.
Fee structures may evolve over time. This page reflects the current state of the product.
***
### Restricted Merchant Categories (MCC)
Transactions from certain merchant categories may be automatically declined due to compliance, regulatory, and risk control requirements.
Restricted categories include (but are not limited to):
* Explosives, firearms, and weapons-related merchants
* Money transfers, remittance services, quasi-cash, and stored value loads
* Securities brokers, trading platforms, and certain financial institutions
* Gambling, betting, lotteries, and gaming-related services
* Escort, dating, and adult-related services
* Debt collection and bail/bond services
* Certain government-related payments and loan services
* Political, religious, and labor organizations
* High-risk direct marketing and telemarketing merchants
* Certain digital services, gaming platforms, and online marketplaces identified as high-risk
Additionally, some merchants may be dynamically restricted based on fraud, abuse, or risk monitoring systems.
Transactions with restricted merchants or categories will be automatically declined.