Kosh charges a flat banking fee plus a small conversion fee on each transaction received through your Virtual US Bank Account.
Transaction fees
Fee type | Amount |
Conversion fee | 0.5% per transaction |
ACH deposit | $1.00 |
Wire transfer deposit | $20.00 |
How fees are applied
The banking fee and conversion fee are both deducted from the incoming amount before USDC is credited to your Kosh wallet. You receive the net amount after all fees.
Settlement timelines
Payment method | Settlement time |
ACH transfer | 1–2 business days |
Wire transfer | Same business day |
Settlement timelines may vary based on your jurisdiction, payment rail, and banking infrastructure.