How much does a transfer cost with Juuli? Full fee breakdown
Transfer fees on Juuli depend on your plan and the type of transfer. SEPA transfers move money in euros to bank accounts in the 20 eurozone countries (the only destinations you can currently send to), while SWIFT transfers handle international payments. Below is the full breakdown so you always know what to expect — there are no setup, activation, or joining fees on any plan.
Transfer fees by plan
| Transfer type | Freemium (€0/mo) | Pro (€19/mo) | Max (€29/mo) |
|---|---|---|---|
| SEPA incoming | 0.50% | Free | Free |
| SEPA outgoing | 0.50% | First 10/month free, then €2 | First 30/month free, then €0.50 |
| SWIFT incoming | 1% | Free | Free |
| SWIFT outgoing | €25 + 1% | €25 | €10 |
⏳ SWIFT — from 1 September 2026 — international (SWIFT) transfers are not yet active; they are launching on 1 September 2026. For a SWIFT payment, please contact us at support@juuli.com.
How the fees work
- Percentage fees (Freemium) are calculated on the transfer amount, so a small transfer carries a small fee.
- Free monthly allowances (Pro and Max) reset each month. On Pro your first 10 outgoing SEPA transfers are free; on Max it's your first 30.
- Incoming money arrives free of charge on both Pro and Max, for SEPA and SWIFT alike.
Currency conversion
If a transfer involves converting between currencies, a transparent, competitive FX markup is applied at the point of conversion. Transfers that stay in the same currency are not affected by FX.
Good to know
- Transfers between two Juuli accounts settle instantly and are not charged as standard SEPA or SWIFT transfers.
- Card costs are separate from transfer fees.
- Want fewer or free transfers? Upgrading your plan can quickly pay for itself.
Related: Is there a setup fee? And how much does the physical card cost?, Juuli Freemium vs Pro vs Max — which plan is worth it?
Juuli is a regulated platform, not a bank. Payment and e-money services are provided by Stripe Technology Europe, Limited, an authorised Electronic Money Institution (Central Bank of Ireland, firm ref. C187865).
Still have questions? Email our support team at support@juuli.com — we're happy to walk you through any fee before you send a transfer.