> ## Documentation Index
> Fetch the complete documentation index at: https://hugowallet.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Transfer Fees, Limits, and Exchange Rates Explained

> Hugo Wallet fee structure, daily transfer limits, and how live exchange rates are calculated — including the 2026 FIFA World Cup 0% fee promotion.

Understanding what you pay — and what your recipient receives — is essential before you send. Hugo Wallet is built on a transparent fee model: every cost is shown to you before you confirm a transfer, and there are no surprises after the fact. This page explains the current fee structure, how exchange rates are determined, and the daily limits that apply to your account.

## Current fee structure

<Note>
  🏆 **2026 FIFA World Cup Promotion — 0% Fees!**\
  During the 2026 FIFA World Cup promotional period, Hugo Wallet is waiving **all transfer fees**. Send money internationally and keep more of your money where it belongs — in your recipient's hands. This promotion applies across all supported corridors.
</Note>

<CardGroup cols={2}>
  <Card title="Deposit fees" icon="arrow-down-to-bracket">
    **0%** — Depositing funds into your Hugo Wallet balance is free, regardless of the method you use (PayPal, Bitcoin, USDT TRC20, SEPA, MonCash, NatCash).
  </Card>

  <Card title="Transfer fees" icon="paper-plane">
    **0%** during the World Cup promo period. Standard fees may apply after the promotion ends and can vary by corridor — check the app for the latest rate before you send.
  </Card>
</CardGroup>

<Warning>
  Standard fees will return after the promotional period ends. Fee rates may also vary by corridor. **Always confirm the exact fee shown in the app** at the time of your transfer before authorizing payment.
</Warning>

## Exchange rates

Hugo Wallet pulls exchange rates directly from global currency markets and uses an intelligent algorithm to optimize each conversion for the best available rate at the moment of execution.

<Tabs>
  <Tab title="How rates work">
    * Rates are sourced from global forex markets in real time.
    * The rate displayed in the app refreshes **every 30 seconds**.
    * Hugo Wallet's algorithm selects the most favorable rate available at the exact moment your transfer is processed.
    * A small spread is included in the displayed rate — this is how the exchange rate covers operational costs when fees are 0%.
  </Tab>

  <Tab title="Example rate">
    Here is an illustrative rate for the flagship USA → Haiti corridor:

    | You send  | Recipient receives |
    | --------- | ------------------ |
    | 1,000 USD | ≈ 132,500 HTG      |
    | 500 USD   | ≈ 66,250 HTG       |
    | 100 USD   | ≈ 13,250 HTG       |

    *Rates shown are illustrative only. The live rate at the time of your transfer may differ. Always check the in-app converter or [hugowallet.finance](https://hugowallet.finance) for the current rate.*
  </Tab>
</Tabs>

## Transfer limits

Your transfer limits depend on your account verification status. Completing identity verification (KYC) unlocks the full Hugo Wallet experience with higher daily limits.

<CardGroup cols={2}>
  <Card title="Unverified accounts" icon="user-clock">
    Lower daily and per-transaction sending limits apply. This is sufficient for smaller transfers, but verification is recommended for regular or larger sends.
  </Card>

  <Card title="Verified accounts" icon="user-shield">
    Higher daily limits and full access to all corridors. Complete KYC directly in the Hugo Wallet app to upgrade your account instantly.
  </Card>
</CardGroup>

<Tip>
  Verifying your identity takes only a few minutes inside the app. Once approved, your increased limits are active immediately — no need to wait.
</Tip>

## Frequently asked questions

<AccordionGroup>
  <Accordion title="Are there hidden fees?">
    No. Hugo Wallet does not charge any hidden fees. Every cost — including any applicable transfer fee and the exchange rate spread — is displayed clearly on the confirmation screen before you authorize a transfer. What you see is exactly what you pay.
  </Accordion>

  <Accordion title="How fast do transfers arrive?">
    Transfers on all major Hugo Wallet corridors are processed **instantly**. For mobile wallet payouts (such as MonCash or NatCash in Haiti), recipients typically see funds credited within seconds of your confirmation. Delivery times for bank-based corridors (SEPA, CAD) may depend on the local banking network.
  </Accordion>

  <Accordion title="Why is my rate different from what I see online?">
    Online rate aggregators (like Google Finance or XE) show mid-market interbank rates, which are not directly available to consumers. Hugo Wallet sources rates from the live global market and includes a small spread to cover the cost of executing the conversion. This spread is why your rate may differ slightly from published mid-market figures — it's not a hidden fee, and it's always visible in the app before you confirm.
  </Accordion>

  <Accordion title="What happens to my transfer if the rate changes mid-transaction?">
    The exchange rate is **locked in at the moment you confirm your transfer**. Rate changes after confirmation do not affect your transaction — your recipient will receive the exact amount shown on the confirmation screen.
  </Accordion>

  <Accordion title="How do I increase my transfer limits?">
    Complete the identity verification (KYC) process in the Hugo Wallet app. You'll need to provide a valid government-issued ID and a selfie. Verification is typically approved within minutes and your limits are upgraded immediately upon approval.
  </Accordion>
</AccordionGroup>

## Need help?

If you have questions about fees, rates, or your account limits, reach out to the Hugo Wallet support team:

<CardGroup cols={2}>
  <Card title="WhatsApp Support" icon="whatsapp" href="https://wa.me/972559981767">
    Chat with us directly on WhatsApp at **+972 55 998 1767** for fast, personal support.
  </Card>

  <Card title="Email Support" icon="envelope" href="mailto:contacthugowallet.finance@gmail.com">
    Send us a message at **[contacthugowallet.finance@gmail.com](mailto:contacthugowallet.finance@gmail.com)** and we'll get back to you promptly.
  </Card>
</CardGroup>

## Related pages

* [Send Money](/transfers/send-money) — Step-by-step guide to making a transfer.
* [Supported Corridors](/transfers/supported-corridors) — See every country and currency pair we support.