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Fees

Learn about the details of the fees occurred in the prepaid cards.

  • Mellow iOS and Android App – FREE
  • Account balance enquiry on Mellow App – FREE
  • MasterCard prepaid card with Mellow – FREE
  • Mellow Customer Support – FREE
Top up:
  • FPS & Standard Local Bank Payment – FREE
  • Local ATM and Cash Top up – FREE
  • International Top up – 1.5%

Withdrawal:
  • Transfer to another Mellow user – Coming soon
  • Transfer to Local Bank – Coming Soon
  • Transfer to International Bank – Coming Soon
  • ATM Withdrawal – 2% (HK$25 Minimum Fee)
 
Spending:
  • Card Transaction (Domestic): FREE
  • Card Transaction (Abroad): 1.5%
  • Foreign Merchant Fee: 1.5%
  • Special Transaction Processing Fee: HK$4
 
Account:
  • Card Replacement Fee: HK$60
  • Card Cancellation Fee: HK$80
  • Account Management Fee For Expired Account: HK$80
  • Inactivity Fee: HK$12.5 per month
  • ATM Balance Enquiry: HK$4
  • Transaction Refund: HK$4
  • Chargeback: HK$320 + 1% of chargeback amount

The international top up fee is 1.5%. It occurs when you top up the card via channels or methods that are outside of Hong Kong. It includes topping up through Mainland bank accounts or through any non-Hong Kong networks. 

The card transaction fee when you spend abroad is 1.5%.
 
The prepaid card uses the Mastercard exchange rate. The 1.5% processing fee for foreign transactions is charged by Mastercard and the prepaid card issuer, ePayLinks.
 
This fee is applicable to transactions made outside of Hong Kong. It is also applicable to ATM withdrawals, card payments and online transactions made in currencies other than the domestic currency of the prepaid card. 
The Special Transaction Processing Fee is HK$4 per transaction. It applies when there are more than 3 transactions below HK$11 within a calendar month. HK$0 transactions are exempted.
 
It also applies to consecutive failed authorizations due to insufficient balances. When there are more than 5 accumulative or 3 consecutive failed authorizations due to insufficient balances made within a calendar month, the fee will apply starting from the 4th one. 

The Inactivity Fee is HK$12.5 per month. Inactivity fee will be charged after six months of consecutive inactivity. No inactivity fee will be charged if the balance is ZERO.

Transaction Refund is HK$4 per transaction. It applies when the merchant cancels the transaction and the amount is refunded.

The Account Management Fee For Expired Account is HK$80. After the expiry date of the card account, a monthly account management fee will be charged from the following month until the balance is $ 0.

The Card Cancellation Fee is HK$80. The fee only applies where balance refund is required. All cancellations are handled at the end of each month, and payments take around 7 working days to disburse.

What would you like to find out?

Everything you need to know to use Mellow.

ACCOUNT OPENING

Find out how to manage your child's account and prepaid card on Mellow.

ACCOUNT OPENING

Find out how to manage your child's account and prepaid card on Mellow.
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SECURITY

Learn about how Mellow provides the best environment for our users to grow & learn better. 

SECURITY

Learn about how Mellow provides the best environment for our users to grow & learn better. 
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TOP UPS

Find out how to add funds to your child's prepaid card on Mellow.

TOP UPS

Find out how to add funds to your child's prepaid card on Mellow.
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MELLOW APP

Get support on how you can the best make use of our app on your child's financial education journey.

MELLOW APP

Get support on how you can the best make use of our app on your child's financial education journey.
Find out more

PREPAID CARD

Get more information on the parental features supported by the prepaid cards.

PREPAID CARD

Get more information on the parental features supported by the prepaid cards.
FIND OUT MORE

FEES

Learn about the details of the fees occurred in the prepaid cards.

FEES

Learn about the details of the fees occurred in the prepaid cards.
Find out more

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