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| Factor | Lujopaisa | Typical Competitor | |--------|-----------|--------------------| | Inter‑Operator QR | Single universal QR works across 5+ MNOs | Separate QR codes per network | | Zero‑Fee Micro‑Tier | No fee ≤ US$ 5 | 1–2 % fee across the board | | AI Risk Engine | Real‑time fraud detection, <0.5 % false positives | Post‑transaction monitoring | | Local Credit Model | Uses transaction history, not credit bureaus | Relies heavily on formal credit scores | | Cross‑Border Rates | 0.7 % average | 1.5–3 % average | lujopaisa
| Item | Fee (as of Apr 2026) | Comments | |------|----------------------|----------| | Account creation | Free | No hidden onboarding costs. | | Standard account maintenance | Free (up to €5 k balance) | Above €5 k, a 0.15 % annual fee applies. | | Premium (Lujopaisa Plus) | €4.99 / month (or $5.99) | Includes higher ATM withdrawal limit, priority support, and 0.25 % APY on vaults. | | Currency conversion | Mid‑mid spread (0.3‑0.5 % on top of interbank rate) + €0.50 flat per conversion > €1 000. | Cheaper than many banks for small amounts, but not as cheap as specialist FX apps (e.g., Revolut Premium). | | Card issuance | €1.99 / month (waived for Premium) | Card replacement is €8. | | ATM withdrawals | Free up to €200 / month, then 1.5 % per transaction. | Competitive for European users; US fees higher due to network costs. | | P2P external transfers | 0.8 % (minimum €0.70) | Free for internal transfers; fees apply only when sending to non‑Lujopaisa bank accounts. | | Crypto transactions | 0.25 % spread + network fee | Transparent, but not the cheapest for high‑volume traders. | It’s possible that: 5
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