# Prepaid Debit Cards vs Crypto-Funded Cards: The Fee Structure Nobody Compares

The overlap
Both product categories solve a similar problem — spending without a traditional bank account, with built-in spending caps for control.

The fee structure difference
Traditional prepaid cards commonly charge a flat monthly maintenance fee regardless of activity. BeeXpay charges once to issue ($10 virtual / $100 physical) plus a reload fee only when topping up (4% or 2.5% depending on KYC tier).

Who each fits
For someone who reloads and spends consistently, the models land in similar territory cost-wise. For someone with irregular usage, a no-monthly-fee model avoids paying for months of inactivity.