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Fellow operates on a simple, transparent fee structure with no hidden costs, monthly fees, or minimum balance requirements. Pay only when you use instant transfers, and earn superior returns when you provide liquidity.
Our Philosophy: One clear fee for instant transfers (40-80 basis points), with the majority flowing directly to liquidity providers who power the network.

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Transfer Fees

Fellow charges 40-80 basis points (0.40% - 0.80%) for instant cross-platform transfers, dramatically cheaper and faster than traditional alternatives.

What You Pay

0.40% - 0.80% of transfer amount No monthly fees, no minimums, no hidden costs

What You Get

Instant settlement to crypto and traditional platforms, and universal connectivity
What’s Never Charged:
  • Monthly account maintenance fees
  • Minimum balance penalties
  • Inactivity fees
  • Account closure fees
  • Basic banking services (mobile deposit, bill pay, etc.)

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Fee Examples

  • Common Transfers
  • Fee Structure
Typical Transfer Scenarios
Transfer AmountFellow Fee (60 bps)
$500$3.00
$1,000$6.00
$5,000$30.00
$10,000$60.00
Example: Moving 2,000 from Robinhood to your crypto wallet costs 12 and settles instantly vs. 1-3 business days for traditional transfers.

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How Fellow Compares

See how Fellow’s instant transfers stack up against traditional alternatives:

Fellow

Cost: 40-80 basis points Speed: Instant Availability: 24/7, any platformComplexity: One-click transfers

Traditional Banks

Cost: 2-4% + $15-25 fees
Speed: 1-3 business days
Availability: Business hours onlyComplexity: Multiple steps, paperwork

Crypto Exchanges

Cost: 1-2% + base fees Speed: 10-60 minutes Availability: 24/7, crypto onlyComplexity: Network fees, gas costs
Real-World Comparison: Moving $5,000 from Robinhood to MetaMask wallet
  • Fellow: $30 fee, instant settlement in your crypto wallet
  • Traditional Method: Sell positions → ACH to bank (3 days) → ACH to exchange (3 days) → Buy crypto → Withdraw to wallet = 6 days + multiple fees
  • Total Traditional Cost: $25-50 in fees + 6 days + opportunity cost of delayed execution

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Liquidity Provider Earnings

When you stake capital in Fellow’s liquidity pool, you earn 30-65% APR from transfer fees - significantly higher than traditional banking or DeFi alternatives.

How You Earn

Fee Distribution: ~75% of transfer fees flow to LPs
Compounding: Earnings auto-reinvest to grow your stake
Transparency: Track earnings in real-time

Why High Returns

Short Duration: 2-4 day exposure periods
High Velocity: Multiple cycles per week
Premium Rates: Users pay for instant liquidity

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LP Earnings Breakdown

  • Revenue Distribution
  • APR Calculation
  • Utilization Impact
Where Transfer Fees Go
User pays 60 basis points on $10,000 transfer = $60

→ Liquidity Providers: $45 (75%)
→ Protocol Operations: $9 (15%)  
→ Infrastructure Costs: $6 (10%)
LP Share Calculation: If you own 2% of the liquidity pool, you receive 2% of the 45 LP portion = 0.90 from this single transfer.
With thousands of transfers daily, these fees compound quickly for liquidity providers.

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Fee Transparency

Fellow operates with complete transparency - no hidden fees, surprise charges, or complex terms. What’s Included in Transfer Fees:
  • Instant liquidity provision
  • Cross-platform routing and settlement
  • Credit assessment and risk management
  • 24/7 technical infrastructure
  • Customer support and dispute resolution
What’s Never Charged:
  • Monthly account maintenance fees
  • Minimum balance penalties
  • Inactivity fees
  • Account closure fees
  • Basic banking services (mobile deposit, bill pay, etc.)
Our vision: You only pay when you use instant transfers. Everything else is free.

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Questions About Fees?

For answers to common questions about Fellow’s pricing, transfer fees, and liquidity provider earnings, check out our comprehensive FAQ page.

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Ready to Start?

Make Your First Transfer

Experience Fellow’s instant transfers with transparent, competitive pricing

Become a Liquidity Provider

Start earning superior returns by staking capital in Fellow’s liquidity pool

How Fellow Works

Understand the economics and infrastructure behind Fellow’s pricing model

Security & Risk

Learn about risk management and protective mechanisms for users and LPs

Banking Features

Explore Fellow’s full banking capabilities and free services