OneSafe

Pricing

• •The Plus and Pro monthly fees ($29 and $99) are waived if you keep an average monthly balance of $10,000 (Plus) or $35,000 (Pro) in the Stables account.
• •The card is a collateral-secured Visa spend card issued by Third National and is currently virtual-only (a physical card is listed as coming soon). Card fees include a $40 late-payment fee, a $29 returned-payment fee, and a cross-border fee of up to 3% on top of the 3% currency-conversion fee.
• •KYB onboarding is currently waitlisted. Two paid fast-track options are offered: Early Access ($150, about a one-week turnaround) and VIP KYB ($1,000, a one-to-two-day turnaround); both are partially refunded if the application is declined.

Limits

• •Transfer limits follow the currency and the rail, not the plan: USD over ACH and Wire stops at $4,000 towards third-party or personal accounts, EUR at €1,000,000 on SEPA Instant (with no limit on SEPA Credit, which anything above that amount routes to automatically), GBP at £1,000,000 on Faster Payments, MXN at 1,000,000 on SPEI for your own deposits and 15,000 for third parties, COP at 11,552,000 on Bre-B. Pix in Brazil and Colombian bank transfers carry no limit.
• •Moving more than $500,000 needs to be coordinated with the banking partners in advance.
• •Cards carry no cap on purchase amounts, on total spend or on how much you top them up. What is capped is how many you create: 3 on this plan, within a rolling limit of 10 cards per user every 90 days.
• •Cards carry no cap on purchase amounts, on total spend or on how much you top them up. What is capped is how many you create: up to 10 on this plan, and 10 per user in any rolling 90-day period.
• •On this plan deposits work but withdrawals are blocked.

Payments & transfers

• •The Philippines is on the send-restriction list, but the restriction applies only to certain transfer types rather than to all outgoing payments.
• •USD payments over SWIFT are available only on the Pro plan and must be requested; they are not enabled automatically.
• •SPEI transfers to other virtual accounts are not supported.
• •Colombian bank transfers work one way only: withdrawals out, not deposits in.

Cards

• •A card is harder to obtain than an account: cards are issued only when both the registered and the operating address are on OneSafe's supported list of 52 countries/territories. This excludes some places where an account is allowed - for example India, Turkey, Vietnam, Israel and Ukraine - and cards are also unavailable to businesses in Idaho, Nevada, New Mexico, North Dakota, South Dakota and Vermont.
• •Some business types are accepted for an account but face additional due diligence specifically for card approval - for example crypto and digital-asset service providers, money-services and remittance businesses, charities and non-profits, and subscription or creator platforms.

Crypto

• •USDT is not available to companies based in the European Economic Area and related countries, because of stablecoin regulatory restrictions.

Opening an account

• •Beyond its business accounts, individuals are admitted only through invitation-only Individual Accounts; there is no self-serve personal sign-up.

Countries & residency

• •Although the United States is generally allowed, New York is restricted: a business cannot onboard if a beneficial owner resides there or if the business operates from there.
• •Ukraine is generally allowed, but the occupied territories - Crimea, Sevastopol, Donetsk, Kherson, Luhansk and Zaporizhzhia - are restricted.
• •Onboarding is assessed on where the business actually operates, not only where it is registered: operating from a restricted country blocks onboarding even if the company is registered in an allowed one.
• •OneSafe explicitly supports offshore-incorporated entities - for example BVI, Cayman Islands, Panama, Hong Kong, Marshall Islands and St Kitts - and serves businesses in 150+ countries.

Company ownership

• •OneSafe is a financial-technology company (legal entity Thresholdz Inc., Delaware), not a bank: it holds no licence of its own and is not a money services business, money transmitter or broker-dealer. Banking, payment and custody services are provided by licensed partners - Bridge for stablecoin rails and Fireblocks for digital-asset custody.