Limits & Fees
High limits. Low fees. Zero surprises.
We built Locked Money’s banking access to be the smoothest, most powerful on/off-ramp in the industry — and that includes the numbers behind it.
No hidden charges. No unclear caps. Just crystal-clear terms designed for power users and everyday people alike.
🏦 Per Transaction Limit
You can transfer up to $500,000 per transaction — One of the highest limits available for self-custodial crypto banking anywhere.
Whether you’re cashing out a major trade
Moving profits to your real-world account
Or topping up your portfolio fast
Locked Money handles it.
✅ And yes — you can do as many transfers as you want. There’s no limit on how often you move your funds.
💸 Fees
Locked Money charges a flat 1.5% fee per transfer in the EEA, US, Canada, and Australia, or 2.5% to all others for now — that’s it.
No platform fees stacked on top
No “network adjustment” traps
No extra charge for currency conversion
Just 1.5% — one of the lowest rates in the industry, especially at high volume. The 2.5% fee is currently set for some jurisdiction but Locked Money is actively working on working with local providers to reduce it, possibly to 1.5%.
🔍 No Hidden Costs
No monthly maintenance fees
No setup or KYC charge
No holding fees or vault requirement
No “gotcha” penalties for moving your own money
You’re in control — and your wallet stays yours from start to finish.
🚀 Fast. Predictable. Clean.
Every step is designed to be smooth:
Transaction steps are transparent
Fee is clearly shown before you confirm
Transfer times are lightning fast (often faster than bank-to-bank wires)
No more waiting 5+ days to see your funds land. No more second-guessing what happened mid-transfer.
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