The 2025 update on LuxonPay’s fees and limits highlights its low-cost structure, free deposits, and zero-FX perks at the Noir VIP level. Learn how standard and VIP accounts compare and how to maximize your savings this year.
Discover everything you need to know about LuxonPay fees and limits, from deposits and withdrawals to FX costs and VIP perks. Learn how to reduce fees, unlock higher limits, and make the most of your LuxonPay account. Understanding LuxonPay fees and limits helps you avoid hidden costs, plan your spending, and maximize the perks available at higher VIP levels.
Want to cut LuxonPay fees and unlock VIP instantly?
Open your LuxonPay account through Wikiwallet, get VIP right away, and claim your $30 bonus >>
Account Fees
LuxonPay keeps things simple by removing common charges that other e-wallets use. There are no setup or annual wallet fees, though inactivity fees may apply after long periods of non-use.
| Fee Type |
Amount / Condition |
| Account opening |
Free |
| Annual / maintenance |
None |
| Inactivity |
May apply after long inactivity |
Deposit Fees
Adding funds to your LuxonPay wallet is straightforward. Many methods are free, while others depend on your
VIP tier. Merchant deposits are always free.
| Deposit Method |
Standard / Classic |
Premium / Noir |
| Regular bank deposits (via vIBAN) |
Free |
Free |
| Instant bank deposits |
Fees may apply |
No fee at Noir |
| Card deposits |
Fees may apply |
No fee at Noir |
| Alternative Payment Methods (APMs) |
Fees may apply |
Fees may apply |
| Merchant deposits |
Free |
Free |
Withdrawal Fees
Taking money out of LuxonPay depends on your VIP level. At higher tiers, many charges are waived, making withdrawals much cheaper.
| Withdrawal Method |
Standard / Classic |
Premium / Noir |
| UK bank transfer (Faster Payments) |
€10 |
Free |
| SEPA withdrawal |
€10 |
Free |
| SWIFT withdrawal |
€20 |
Free |
| LuxonPay Mastercard ATM |
1% |
1% |
| Ordering a physical card |
€20 |
Free |
| Card withdrawals (to a card previously used for deposit) |
Fees may apply |
Free |
Transaction Fees (Sending & Receiving Money)
LuxonPay is particularly attractive for peer-to-peer and merchant payments, which are always free. External transfers are handled through withdrawals.
| Transaction Type |
Fee |
| LuxonPay → LuxonPay transfers |
Free |
| Merchant payments (online or live) |
Free (FX may apply) |
| External transfers |
Not supported (withdraw to bank instead) |
Currency Conversion Fees
One of LuxonPay’s main costs is currency exchange. Standard accounts pay up to 2%, but this drops as you move through the VIP tiers, reaching 0% at Noir.
| VIP Tier |
FX Fee |
| Standard |
2% |
| Classic |
1% |
| Premium |
0.5% |
| Noir |
0% |
Example Calculation: If you convert $1,000 → EUR at the Standard 2% rate, you pay $20 in fees and receive $980 equivalent.
Limits
Your LuxonPay limits depend on verification and VIP level. Higher tiers unlock much larger merchant and transfer allowances, as well as bigger ATM withdrawals with the LuxonPay Mastercard.
| Limit Type |
Standard Account |
VIP Account (higher tiers) |
| Daily ATM withdrawal |
~USD 1,500 |
Up to ~USD 5,000 |
| Transaction size |
Limited by verification |
Significantly higher |
| Deposit / Withdrawal |
Standard caps |
Expanded |
Note: Exact limits vary by region, verification status, and payment method. The most reliable way to expand your limits is by upgrading to VIP status.
Tips to Reduce Fees & Increase Limits
Managing LuxonPay smartly helps you keep costs low and unlock the wallet’s full potential.
Lower FX (down to 0%) and higher limits
SEPA or UK Faster Payments carry no withdrawal cost
Avoid possible inactivity charges.
Full verification unlocks higher caps.
- Fast-track via Wikiwallet
Open your LuxonPay account through Wikiwallet,
get VIP instantly, and claim your $30 bonus! >>
By fully verifying your account and upgrading to VIP, you unlock the best rates, highest limits, and the most exclusive perks LuxonPay has to offer.
Get More From Your LuxonPay Account
LuxonPay is built for users who want simple, low-cost money management . With free deposits, free merchant payments, and zero-fee FX at Noir, it’s one of the most competitive wallets available in 2025.
- Casual users: Standard accounts are already free to use for deposits and merchant payments.
- Active traders, gamers, and merchants: VIP status is where LuxonPay truly shines, with lower FX, waived fees, higher limits, and exclusive perks.
Pro Tip: Don’t wait to reach VIP the long way. Open your account through Wikiwallet,
start as a LuxonPay VIP instantly, and grab your $30 bonus today! >>Bottom line: Whether you’re gaming, trading, or managing regular payments, LuxonPay VIP delivers maximum savings, higher limits, and premium benefits that standard users don’t get.
