Tiers
Scallop Account Tiers Explained
Scallop offers three account tiers designed to support different usage needs from personal money management to global payments and business-scale operations. Each tier unlocks additional capabilities, limits, and pricing advantages.
Voyager - Tier 1 (Personal, Self-Use)
Best for: Individuals managing their own money across currencies.
Voyager is a free entry-level tier designed for users who want to hold, convert, and move money between their own accounts only.
What you can do
Hold and manage up to 10 currencies
Send and receive funds between your own accounts
Convert currencies instantly within the app
Withdraw to supported fiat corridors
Key characteristics
Transfers are first-party only (accounts in your own name)
Ideal for savings, self-transfers, and currency conversion
No subscription fee
Pricing & limits
Monthly subscription: Free
Swap fee: 1.5%
Virtual cards: $2 per card
Yield: Not available
Supported coverage
Currencies: USD, GBP, EUR + 7 additional currencies of your choice
Payout corridors: 10 major fiat currencies
Voyager (Tier 1) is perfect if you want a simple, low-commitment way to manage funds globally.
Mariner - Tier 2 (Global Payments)
Best for: Freelancers, remote workers, and global users sending or receiving money from others.
Mariner unlocks third-party payments, allowing you to send and receive money from anyone worldwide, along with higher limits and lower fees.
What you can do
Send and receive funds to and from anyone globally
Access virtual accounts, including AED
Enjoy higher transaction limits and faster processing
Receive concierge-level support
Key characteristics
Supports both first-party and third-party payments for USD & AED
Lower fees compared to Tier 1
Subscription fee can be waived by maintaining balance
Pricing & limits
Monthly subscription: $14.99
Waived if you maintain $10,000 average fiat balance for the month
Swap fee: 0.75%
Virtual cards: First card free, additional cards at $1.00 each
Yield: 0.5% APR on eligible balances
Supported coverage
Currencies: USD, GBP, EUR, AED + 50+ currencies
Payout corridors: 50+ local fiat currencies
Mariner (Tier 2) is ideal if you receive salary, freelance income, or payments from clients and partners across borders.
Admiral / Business - Tier 3 (Power & Scale)
Best for: Businesses, institutions, and high-volume users.
Admiral is Scallop’s most advanced tier, designed for scale, efficiency, and premium access.
What you can do
Full access to all supported currencies and corridors
Operate with priority banking and payout routes
Issue and manage multiple virtual cards at no cost
Access the lowest fees across the platform
Key characteristics
Optimized for high balances and transaction volumes
Best FX, payout, and conversion pricing
Enhanced yield and operational flexibility
Pricing & limits
Monthly subscription: $49.99
Waived if you maintain $50,000 average fiat balance
Swap fee: 0.4%
Virtual cards: Multiple free
Yield: 1.5% APR on eligible balances
Supported coverage
Currencies: All supported currencies + priority corridors
Payout corridors: 50+ local fiat currencies
Admiral is best suited for companies, institutions, and users who need maximum flexibility, volume, and efficiency.
Payment Scope
Send & Receive funds from your own accounts only (1st Party Only)
Send & Receive funds from anyone globally (1st & 3rd Party)
Send & Receive funds from anyone globally (1st & 3rd Party)
Monthly Subscription
$0
$14.99
$49.99
Waiver Threshold
N/A
$10,000 Balance
$50,000 Balance
Currencies (In/Hold)
USD, GBP, EUR + 7 more currencies of their choice
USD, GBP, EUR, AED + 50 currencies
All + Priority Corridors
Payout Corridors
10 Major Fiat
50+ Local Fiat
50+ Local Fiat
Virtual Card
$2.00 / card
1st card FREE, additional cards at $1.00 / card
Multiple cards FREE
Swap Fee
1.5%
0.75%
0.4%
Yield Share (User)
0%
0.5% APR
1.5% APR
Choosing the Right Tier
Manage your own funds only
Voyager (Tier 1)
Send or receive money globally
Mariner (Tier 2)
Operate at scale with lowest fees
Admiral (Tier 3)
Important Notes
Subscription fee waivers apply only when the required fiat balance is maintained for the full month
Yield applies only to eligible fiat balances
Currency availability may vary based on compliance and jurisdiction
Tier upgrades are optional and user-initiated
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