At BUBURUZA BANK, we believe in transparent pricing to help you plan your financial journey with confidence. Below, you’ll find a detailed breakdown of our fees, including subscription plans, transaction costs, and other charges. Our structure is designed to maximize value while minimizing costs, ensuring you get the most out of our AI-powered financial ecosystem. All fees are subject to change, with updates communicated accordingly.

Subscription Plans

We offer a range of subscription plans tailored to your needs, each with clear monthly fees and turnover limits:

1. Standard Plan: Free

• Monthly Turnover Limit: $10,000
• Access to essential banking and trust services, perfect for starting your journey.

2. Plus Plan: $49/month

• Monthly Turnover Limit: $100,000
• Includes BUBURUZA Debit Card with 2.5% cashback in BUBURUZA Tokens.

4. Premium Plan: $79/month

• Monthly Turnover Limit: $1,000,000
• Advanced services, enhanced 4% cashback, and access to loans, escrow, and wealth management.

5. Supreme Plan: $149/month

• Unlimited Turnover
• Comprehensive services, maximum 4% cashback, and VIP Concierge for luxury bookings.
• Automatic Upgrades: If you exceed your plan’s turnover limit, your account will automatically upgrade to the next tier, with the new fee applied in the following billing cycle.

Transaction Fees

Our transaction fees are designed to be competitive and transparent:

Stablecoin Transactions (sAED, sCNY):

• No bank fees—only minimal blockchain gas fees apply, typically under $1 per transaction, ensuring cost-effective transfers.

International Payments (SWIFT/SEPA):

• Minimal fees apply, typically 0.2%–0.4% of the transaction value, disclosed upfront before each transaction.

Debit Card Transactions:

• 5% fee per transaction, offset by cashback:

1. Plus Plan: 2.5% cashback (net fee: 2.5%)
2. Premium & Supreme Plans: 4% cashback (net fee: 1%)

Example: Spend $1,000—pay $50, get $40 back in tokens (Supreme Plan).

Service-Specific Fees

Certain services may incur additional fees, detailed below:

• Escrow Services (Premium & Supreme):

1% of the escrow amount (e.g., $1,000 for a $100,000 escrow).

• Loans & Financing (Premium & Supreme):

Interest rates based on risk assessment, disclosed at loan initiation.

Late Payment Fee applied after a 30-day grace period.

• SPV Formation & Management (Premium & Supreme):

Annual Management Fee: 0.5% of SPV assets, billed yearly.

Account Closure Fees

Closing your account is straightforward, with minimal fees:

• Closure Fee: 0.5% of your account balance, capped at $5,000 (e.g., $500 for a $100,000 balance), applied upon closure to cover administrative costs.
• Notice Period: 30 days’ notice required, as per Section 6.1.9 of the Master Legal Agreement.

Fee Transparency & Updates

We ensure clarity in all fees:

• Upfront Disclosure: All fees are displayed before you confirm a transaction or service.
• Updates: Fees may be updated, with changes communicated in advance.
• DAO Influence: Token holders can vote on fee adjustments through our Decentralized Autonomous Organization (DAO), ensuring community input.

Why Our Fees Matter to You

• Cost Clarity: Know exactly what you’re paying—no hidden charges, ever.
• Value-Driven: Fees unlock cashback, discounts, and premium services, maximizing your financial benefits.
• Flexibility: Choose a plan that fits your needs, with automatic upgrades for seamless growth.

How Fees Work in Practice

• Deposit: Inject $10K in EUR—no fee, just a blockchain gas fee of ~$0.50 for conversion to sAED.
• Transact: Send $50K via SWIFT—pay a 0.2% fee, disclosed upfront.
• Spend: Use your debit card for a $1,000 purchase—pay $50, get $40 back in tokens (Supreme Plan).
• Escrow: Secure a $100K deal—pay $1,000, with funds released as agreed.

Commitment to Fairness

BUBURUZA BANK’s fee structure is built to be fair, transparent, and aligned with international standards. We aim to keep costs low while delivering value through rewards and services. For more on our operational transparency, visit our Transparency page. Ready to start with clear pricing? Join BUBURUZA BANK today.