Pricing
Iberia Finance
Website: https://iberia-finance.com
Contact: [email protected]
Last Updated: January 1, 2026
Effective Date: January 1, 2026
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1. Introduction
This Pricing page explains the fees and charges that apply to the use of Iberia Finance Services. We believe in clear, transparent pricing with no hidden fees and no surprises.
By using our Services, you agree to the fees described on this page and in your account dashboard. This page should be read together with our Terms and Conditions, Refund Policy, Privacy Policy, and GDPR Compliance Statement.
Fees may vary by region, account type, and the specific services you use. The most current fees are always shown in your app before you confirm any transaction.
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2. Our Pricing Principles
2.1 Transparency
All fees are disclosed clearly before you commit to a transaction or service.
2.2 No Hidden Charges
We do not add hidden fees or unexpected charges. What you see is what you pay.
2.3 Fair Value
Our pricing reflects the real cost of providing secure, reliable, and fast financial services.
2.4 Control
You always have the ability to review fees before confirming any action.
2.5 Legal Compliance
Our fees comply with applicable consumer protection and financial services regulations, including EU requirements where applicable.
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3. Account Plans
3.1 Standard Account
The Standard Account is our entry-level plan.
– Account opening: Free
– Monthly maintenance fee: Free
– Account closure: Free
– Basic budgeting and savings tools: Included
– Standard payment features: Included
3.2 Plus Account
The Plus Account is designed for more active users.
– Account opening: Free
– Monthly maintenance fee: A fixed monthly fee, shown in your app
– Enhanced budgeting and savings tools: Included
– Higher transaction limits: Included
– Priority support: Included
3.3 Premium Account
The Premium Account is designed for users who need advanced features and higher limits.
– Account opening: Free
– Monthly maintenance fee: A fixed monthly fee, shown in your app
– Full suite of planning and investing tools: Included
– Highest transaction limits: Included
– Dedicated support: Included
Exact plan fees are displayed during registration and in your account dashboard, and may vary by region.
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4. Payment and Transfer Fees
4.1 Domestic Transfers
– Standard domestic transfers: Free or at a low fixed fee, shown in your app
– Instant domestic transfers: A small fixed fee may apply
– Bulk transfers: Fees may apply based on volume
4.2 International Transfers
– International transfers: A transparent fee based on the amount and destination
– Currency conversion: A clear exchange margin is applied and shown before you confirm
– Intermediary bank fees: These may be charged by third parties and are outside our control
4.3 Card Payments
– Standard card payments: Free
– Foreign currency card payments: A clear conversion margin applies
– ATM withdrawals: A free monthly allowance may apply, with a small fee thereafter
4.4 Receiving Money
– Receiving domestic payments: Free
– Receiving international payments: A small fee may apply
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5. Currency Exchange
5.1 Exchange Margin
When you convert currency, we apply a transparent exchange margin. The exact rate and margin are always shown before you confirm the transaction.
5.2 Rate Updates
Exchange rates are updated regularly to reflect market conditions.
5.3 No Hidden Spread
We do not apply hidden spreads. The margin we apply is disclosed clearly.
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6. Optional Paid Features
6.1 Premium Tools
Certain advanced tools, such as enhanced planning and portfolio features, may be included in paid plans or available as add-ons.
6.2 Add-On Services
Additional services, such as expedited cards or premium support, may carry separate fees, which are disclosed before purchase.
6.3 Third-Party Services
Some features are provided through third-party partners. Their fees are disclosed separately and are not controlled by Iberia Finance.
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7. Fees for Specific Actions
7.1 Account and Administration
– Account opening: Free
– Account maintenance: Depends on plan
– Account closure: Free
– Statement requests: Free
– Additional documentation requests: A small fee may apply
7.2 Card-Related Fees
– Physical card issuance: A small fee may apply
– Virtual card issuance: Free or at a low fee
– Card replacement: A small fee may apply
– Expedited delivery: An additional fee applies
7.3 Payment Controls
– Payment whitelisting and blacklisting: Included
– Transaction alerts: Free
– Custom limits: Included
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8. Fees We Do Not Charge
We do not charge for:
– Opening a Standard Account
– Closing your account
– Basic budgeting and savings tools
– Standard transaction notifications
– Basic customer support
– Accessing your account information
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9. Third-Party Fees
Some fees are charged by third parties and are outside our control, including:
– Correspondent and intermediary bank fees
– ATM operator fees
– Card network fees in certain cases
– Fees charged by other financial institutions
These fees are disclosed where possible but may vary.
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10. Interest and Returns
10.1 No Guaranteed Returns
Iberia Finance does not guarantee investment returns. Investments carry risk, including possible loss of principal.
10.2 Interest on Balances
Where interest is offered on balances, the applicable rate is disclosed in your app and may change based on market conditions.
10.3 Investment Fees
Fees related to investment features are disclosed separately and may include management or platform fees.
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11. How Fees Are Charged
11.1 Deduction
Fees are typically deducted from your account balance or added to the transaction amount.
11.2 Notification
You are always shown applicable fees before confirming a transaction.
11.3 Statements
All fees are itemized in your account statements and transaction history.
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12. Changes to Pricing
12.1 Updates
We may update our pricing to reflect changes in costs, regulations, or our Services.
12.2 Notice
We will provide at least 30 days’ advance notice of material fee changes via email, in-app notification, or website notice.
12.3 Continued Use
Continued use of our Services after a pricing change constitutes acceptance of the updated fees.
12.4 Your Options
If you do not agree with a pricing change, you may close your account in accordance with our Terms and Conditions.
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13. Refunds of Fees
13.1 General Rule
Fees for services already provided are generally non-refundable.
13.2 Exceptions
Fees may be refunded where:
– A charge was made in error
– A service was not provided
– A transaction was unauthorized
– Required by applicable law
Full details are available in our Refund Policy.
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14. Billing Inquiries and Disputes
14.1 Contact Us
For billing questions or disputes:
Email: [email protected]
Subject Line: “Billing Inquiry”
14.2 Response Time
We will acknowledge your inquiry within 5 business days and aim to resolve it promptly.
14.3 Escalation
If you remain unsatisfied, you may contact your local consumer protection authority or use available alternative dispute resolution services.
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15. Contact Information
For pricing and billing inquiries:
Email: [email protected]
Subject Line: “Pricing Inquiry”
Support: Available 24/7
For general support:
Email: [email protected]
For careers:
Email: [email protected]
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16. Summary of Key Points
– Account opening and closure are free
– Monthly fees depend on your chosen plan
– Domestic and international transfers carry transparent fees
– Currency conversion uses a clear, disclosed margin
– Optional features and add-ons may carry separate fees
– Third-party fees are outside our control
– We provide at least 30 days’ notice of material fee changes
– Fees for services already provided are generally non-refundable
– Contact [email protected] for billing inquiries
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Document Version: 1.0
Last Reviewed: January 1, 2026
Next Review: January 1, 2027
Iberia Finance
[email protected]
https://iberia-finance.com
