Fees & Pricing

• Swap fee (0.5%) — charged by our partner exchange (ChangeNOW) as a routed partner-fee, shown as a separate line before you confirm. You always see the exact receive amount up-front.
• Send fee (0.5%) — added as a second output when you sign a Monero transaction, so it lives on-chain and is fully auditable. Minimum 0.0005 XMR so tiny sends don't round to zero.
• Merchant fee (0.75%) — deducted from each settled payment. Merchants see the net figure in their dashboard.
• OTC (0.25% each side) — charged by our OTC desk on both the buy and sell leg. Displayed on your quote.

Before you confirm any transaction, we show the exact Bank of Bali fee alongside network and provider fees. If the numbers don't match what this page promises, don't confirm — email hello@bankofbali.com and we'll refund the difference and audit the code path.

Rules: (a) earnings accrue automatically to your affiliate balance; (b) minimum payout is $10; (c) fraudulent self-referrals disqualify the account; (d) affiliate terms and rate may change with 30 days' notice.

Bank of Bali is non-custodial — we never hold your funds — but we still pay for real infrastructure: dedicated Monero nodes, chain-analytics licences, carbon retirements, hosting, and a full-time team that keeps the platform private and safe. Fees fund that, plus the affiliate rewards that grow the network without paid advertising or KYC-hungry venture backers.

We publish any fee change on this page and email active users at least 14 days before it takes effect. Historic transactions are always priced at the schedule that was live on the day.