Local payment fees explained
Unlimited free local payments in EUR, CHF, GBP, CZK, USD and CAD: All local payments in EUR, CHF, GBP, CZK, USD and CAD are free of charge - unlimited.
Local payments in additional 15+ countries: Depending on your selected plan, up to 400 local payments per month in an additional 15+ countries are also included for free. Beyond this free allowance, a fee of 2.00 EUR or CHF is charged per payment.
Curious about the advantages of local payments over SWIFT?
Read the following article to learn the basics and understand the key differences between local and SWIFT payments.
SWIFT payment fees explained
Depending on the selected plan, a certain number of free SWIFT payments (SWIFT-SHA) are included per month. Each SWIFT-SHA payment is worth 10.00 EUR/CHF. Payments exceeding the free allowance will incur a fixed fee, as outlined in the following table. The type of SWIFT transaction (SHA or DEBT) determines the fee amount.
Fee type | Fee structure | Free allowance/amnis plan | Fee amount |
SHA | The sender shares the fees with the recipient. | SWIFT-SHA payments included per month:
| Cost beyond the free allowance:
|
DEBT | The sender pays all the fees, ensuring that the recipient bank receives the full payment amount. | Please note: Only SWIFT-SHA payments are included in our plans. If you choose to send a payment with SWIFT-DEBT fees, you will receive a fee discount of 10.00 EUR/CHF on payments within your monthly allowance. This discount matches the SWIFT-SHA fee. For payments exceeding the free allowance, the full SWIFT-DEBT fee will be charged. | Cost beyond the free allowance:
Cost of SWIFT-DEBT payments within the free allowance:
|
Example 1: Starter Plan - SWIFT-SHA payments
Company Müller AG is on the Starter plan, which includes 1 free SWIFT-SHA payment per month. Müller AG has several outstanding payments that it wants to process with the SWIFT-SHA fee type within this month. Here are the costs for its payments:
First payment (SHA): 0.00 EUR/CHF
Second payment (SHA): 10.00 EUR/CHF
Third payment (SHA): 10.00 EUR/CHF
… each additional payment (SHA): 10.00 EUR/CHF
If Müller AG were on the Essential plan, it wouldn't pay the 10.00 EUR/CHF fee until it had made 10 SWIFT-SHA payments (per month).
Example 2: Starter Plan - SWIFT-DEBT payments
Company König AG is on the Starter plan, which includes 1 free SWIFT-SHA payment per month. König AG has several outstanding payments that it wants to process with the SWIFT-DEBT fee type this month, ensuring all suppliers receive the full payment amount. Here are the costs for its payments:
First payment (DEBT): 20.00 EUR/CHF
Second payment (DEBT): 30.00 EUR/CHF
Third payment (DEBT): 30.00 EUR/CHF
… each additional payment (DEBT): 30.00 EUR/CHF
Example 3: Essential Plan - SWIFT-DEBT payments
Company Schmid AG uses the Essential plan, which includes 10 free SWIFT-SHA payments per month. Schmid AG has several outstanding payments that it wants to process with the SWIFT-DEBT fee type this month. Here are the costs for its payments:
First payment (DEBT): 20.00 EUR/CHF
Second payment (DEBT): 20.00 EUR/CHF
… each additional payment (DEBT) up to the monthly allowance: 20.00 EUR/CHF
... each additional payment (DEBT) beyond the monthly allowance: 30.00 EUR/CHF
Your benefit with amnis: Reduced payment cost
With our pricing structure, amnis offers you significant monthly savings on SWIFT payment fees. If you need assistance in selecting the best plan for your business, our team of experts is here to help - simply contact us via phone, email or chat (chat icon in the lower right corner).
Useful information on payment fee charges
Please note that all payment fees are charged in EUR or CHF, and not in the reference currency that you can set individually.
The fees are deducted at the end of each month from your overall balance, which is shown in the upper left corner of your amnis account. For customers from Switzerland, the overall balance is displayed in CHF, while for all other customers, it is displayed EUR. This currency (CHF or EUR) is automatically determined by the system and cannot be modified.
💡 Tip: To view your monthly payment fees, please read this article. The monthly fee amount includes in addition to SWIFT payment fees also other charges, such as account management fees, ATM cash withdrawal fees, and more. In the linked article, we explain the different types of fees and where to find the details of the fees charged.