Fee impact calculator · Published 14 August 2026
A rate is only the first line of the receipt.
Percentage charges, fixed processing fees and withdrawal costs can all lower the rate you effectively receive. Enter the terms exactly as they are disclosed and see the fee stack before you compare an offer.
Private browser calculation. No card code, account or transaction data is needed.
Headline rate₦1,250.00
Percentage fee− ₦18.75/unit
Fixed costs− ₦6.00/unit
Effective rate₦1,225.25
Illustration: 100 units, 1.5%, ₦500 processing, ₦100 withdrawal.Private calculation
Build the fee stack
Calculated receipt
Net payout after fees
Gross payout—
Percentage fee—
Fixed processing fee—
Withdrawal or payout fee—
This arithmetic does not verify that the quote, fee terms or trading route are genuine or final.
Method note
How to turn fee terms into one comparable number
The useful output is not the largest rate printed at the top of an offer. It is the amount left after every disclosed deduction, expressed on the same per-unit basis.
Start with gross payout
Multiply the card face value by the headline naira-per-unit rate. A 100-unit card at ₦1,250 per unit produces a gross payout of ₦125,000 before fees.
Match the percentage fee to its stated basis
A 1.5% fee applied to ₦125,000 is ₦1,875. If the terms say the percentage is applied only after a fixed processing charge, the percentage base is smaller. That ordering changes the final amount, so do not choose a basis from memory or from another platform.
Convert every fee to naira
Add the percentage amount, fixed processing fee and withdrawal fee. In the worked example, ₦1,875 + ₦500 + ₦100 produces ₦2,475 in total deductions and a net payout of ₦122,525.
Normalize the result
Divide the net payout by face value. The example's effective rate is ₦1,225.25 per unit, which is ₦24.75 below the headline rate. You can now compare it with another offer using the same card details.
Use the current terms, not an old screenshot
Rates and fee policies can change independently. Check the platform's current fee disclosure and use a dated estimate. For a current CardFlow starting figure, see the CardFlow gift card rate table, then enter any separate fees shown for the transaction you are evaluating.