All fees are shown upfront. The exchange rate and all charges are displayed in the app before you confirm any transaction. BilinkPay applies a variable margin to FX transactions — the basis for that margin is the interbank wholesale market rate.
Fee schedule effective June 2026. Updated in line with Equals Money programme terms.
Fees apply to Personal Payment Accounts (UK residents) under the Equals Money General Terms & Conditions — Retail (UK). All amounts in GBP (£). The FX margin is added to the wholesale interbank rate — the exact rate and all costs are shown before you confirm.
⚠️ Safeguarding: The money in the payment accounts held with Equals Money International Limited is not covered by the Financial Services Compensation Scheme (FSCS). Instead, your money is protected via a safeguarding method in accordance with the Payment Services Regulations / E-money Regulations. Your money is held in specially designated, safeguarded bank accounts with Tier 1 banks, and is kept separate from our own funds.
Fees apply to Personal Payment Accounts (EEA residents). Services provided by Equals Money Europe SA, supervised by the National Bank of Belgium (NBB). All amounts in EUR (€).
⚠️ Safeguarding (EEA): Funds held in your Payment Account with Equals Money Europe SA are safeguarded in accordance with the Belgian Payment Institutions Act and applicable EU Electronic Money Regulations. Your funds are held in specially designated accounts separate from company funds. They are not covered by any deposit guarantee scheme.
Fees apply to Business Payment Accounts (UK) under the Equals Money General Terms & Conditions — Corporate. All amounts in GBP (£). Choose the plan that fits your transaction volume — all three include the same core features.
⚠️ Safeguarding: The money in the payment accounts held with Equals Money International Limited is not covered by the Financial Services Compensation Scheme (FSCS). Instead, your money is protected via a safeguarding method in accordance with the Payment Services Regulations / E-money Regulations. Your money is held in specially designated, safeguarded bank accounts with Tier 1 banks, and is kept separate from our own funds.
Fees apply to Business Payment Accounts (EEA). Services provided by Equals Money Europe SA, supervised by the National Bank of Belgium (NBB). All amounts in EUR (€). Choose the plan that fits your transaction volume.
⚠️ Safeguarding (EEA): Funds held in your Payment Account with Equals Money Europe SA are safeguarded in accordance with the Belgian Payment Institutions Act and applicable EU Electronic Money Regulations. Your funds are held in specially designated accounts separate from company funds. They are not covered by any deposit guarantee scheme.