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Fees & Pricing


Social Subscription Fee (optional) $10 per month


Add money

Add money Adding money via bank transfer is free. We will charge a small fee for top-ups via card based on card type, which will be shown to you at the time of requesting the transaction, before you make the transfer. Your bank or card issuer may also charge you a fee for adding money to Lucy.

Salary drawdown

Request salary drawdown $1 per drawdown, payable by the recipient.


One-to-one loan

Loan agreement setup $10 per loan agreement, payable by the issuer of the loan.



First standard Lucy Physical Card Free
Replacement standard Lucy Cards Your first replacement is free. After this, we charge S$10 per replacement.
First premium Lucy Physical Card $50
Replacement premium Lucy Cards Your first replacement is free. After this, we charge S$50 per replacement.
Delivery Charge for Lucy Cards Free for standard delivery, S$20 for express delivery.
Virtual Lucy Cards Free


ATM Withdrawals Withdrawals at international ATMs (ATMs outside of Singapore) at up to S$350 per rolling month are free. ATM withdrawals are not permitted in Singapore. Anything over the above limits is charged at 2% of value of the amount withdrawn.


Transfers to other Lucy Users Free
Payments to Bank Accounts outside the Lucy App We’ll let you know in the Lucy app if any charges apply, before you make the transfer.


Whenever you make a currency exchange in the Lucy app, we’ll use an exchange rate based on our market rate, which is based on foreign-exchange market rates. There is more information about our exchange rate in our Personal Terms.

For foreign currency transfers to overseas banks, we apply an additional fee which may change according to the value and destination of your transaction. The exchange rate and the fee will be shown to you at the time you request the transaction before you make the transfer.