We continually work hard to reduce or remove as many fees as possible; however - these fees are mandated by our banking partners.  Ternio believes in transparency and does not hide any fees from our customers. 


For most card holders, BlockCard is free to use as long as the card holders use it for everyday expenses.  The monthly fee is waived for users that spend at least $750 per month on the card.  No fees are charged before card activation.


Deposit Fee : $0.00

Exchange Fee : $0.00

Withdraw Fee : $0.00


Monthly Subscription Fee : $0.00 when spending over $750/mo at POS merchants

Monthly Subscription Fee : $5.00 when spending under $750/mo at POS merchants


POS Transaction (swiping the card) : $0.00

PIN Transaction Fee (Domestic) : $1.00

PIN Transaction Fee (Int’l) : $2.00


ATM Cash Withdrawal Fee (Domestic) : $3.00

ATM Cash Withdrawal Declined Fee (Domestic) : $0.50

ATM Cash Withdrawal Fee (Int’l) : $3.50

ATM Cash Withdrawal Declined Fee (Int’l) : $1.00

ATM Balance Inquiry Fee (Domestic) : $0.50


Customer Service Fee for PIN updates 1-833-316-6052 : $0.00

Activation & Card Fee : $10.00 (plastic + virtual) / $50.00 (metal + virtual)

Card Replacement Fee (incl. Lost or Stolen Replacement) : $10.00 (plastic) / $50.00 (metal)

Account Closure/Balance Refund Fee :  $0.00


Bank Account
ACH Transaction Fee : $1.00

Wire Transaction Fee : $20.00



*Fees are subject to change at any time.