Our Fees Explained

How much could I earn?

Although annual profits are capped, increasing your investment helps you grow earnings faster and reach the maximum payout sooner.

Crypto Arbitrage Profit Estimate Calculator

Gross Premium: 1.95% Trading Capital: R500,000

Total Estimated Net Profit:

R0.00

Estimated Duration: — Weeks

(based on a 1.95% gross premium, full R11m traded)

Assumes ten trades per month with timely AIT approvals, including an 8-week buffer for onboarding and AIT processing. Please note that past performance is not necessarily indicative of future results.

We charge 25% of the gross crypto arbitrage premium*

Our fee includes the forex fee

Working example: SDA Trade

Amount Invested (Trading Capital)

R100,000

R250,000

R500,000

R1,000,000

Average Gross Premium:

1.75%

CH FX fee - Point of execution (25%)

-0.44%

No AIT Fee

0.00%

**Capitec Bank SWIFT fee R500 fixed fee

-0.50%

-0.20%

-0.10%

-0.05%

Capitec Bank Crypto Fee is R50 fixed fee (excl. VAT)

-0.06%

-0.03%

-0.01%

*Exchange Fees: Average

-0.18%

-0.15%

Net Return:

0.57%

0.94%

1.05%

1.11%

Amount Invested (Trading Capital)

R100,000

Average Gross Premium:

1.75%

CH FX fee - Point of execution (25%)

-0.44%

No AIT Fee

0.00%

**Capitec Bank SWIFT fee R500 fixed fee

-0.50%

Capitec Bank Crypto Fee is R50 fixed fee (excl. VAT)

-0.06%

*Exchange Fees: Average

-0.18%

Net Return:

0.57%

Amount Invested (Trading Capital)

R250,000

Average Gross Premium:

1.75%

CH FX fee - Point of execution (25%)

-0.44%

No AIT Fee

0.00%

**Capitec Bank SWIFT fee R500 fixed fee

-0.20%

Capitec Bank Crypto Fee is R50 fixed fee (excl. VAT)

-0.03%

*Exchange Fees: Average

-0.15%

Net Return:

0.94%

Amount Invested (Trading Capital)

R500,000

Average Gross Premium:

1.75%

CH FX fee - Point of execution (25%)

-0.44%

No AIT Fee

0.00%

**Capitec Bank SWIFT fee R500 fixed fee

-0.10%

Capitec Bank Crypto Fee is R50 fixed fee (excl. VAT)

-0.01%

*Exchange Fees: Average

-0.15%

Net Return:

1.05%

Amount Invested (Trading Capital)

R1,000,000

Average Gross Premium:

1.75%

CH FX fee - Point of execution (25%)

-0.44%

No AIT Fee

0.00%

**Capitec Bank SWIFT fee R500 fixed fee

-0.05%

Capitec Bank Crypto Fee is R50 fixed fee (excl. VAT)

-0.01%

*Exchange Fees: Average

-0.15%

Net Return:

1.11%

Working example: AIT Trade (using Vitalis or T-Three)

Amount Invested (Trading Capital)

R100,000

R250,000

R500,000

R1,000,000

Average Gross Premium:

1.75%

CH FX fee - Point of execution (25%)

-0.44%

AIT Fees (Vitalis / T-Three): R30 per R100k traded (excl.VAT)

-0.03%

**Capitec Bank SWIFT fee R500 fixed fee

-0.50%

-0.20%

-0.10%

-0.05%

Capitec Bank Crypto Fee is R50 fixed fee (excl. VAT)

-0.06%

-0.03%

-0.01%

*Exchange Fees: Average

-0.18%

-0.15%

Net Return:

0.54%

0.90%

1.02%

1.07%

Working example: AIT Trade (using Vitalis or T-Three)

R100,000

Average Gross Premium:

1.75%

CH FX fee - Point of execution (25%)

-0.44%

AIT Fees (Vitalis / T-Three): R30 per R100k traded (excl.VAT)

-0.03%

**Capitec Bank SWIFT fee R500 fixed fee

-0.50%

Capitec Bank Crypto Fee is R50 fixed fee (excl. VAT)

-0.06%

*Exchange Fees: Average

-0.18%

Net Return:

0.54%

Working example: AIT Trade (using Vitalis or T-Three)

R250,000

Average Gross Premium:

1.75%

CH FX fee - Point of execution (25%)

-0.44%

AIT Fees (Vitalis / T-Three): R30 per R100k traded (excl.VAT)

-0.03%

**Capitec Bank SWIFT fee R500 fixed fee

-0.20%

Capitec Bank Crypto Fee is R50 fixed fee (excl. VAT)

-0.03%

*Exchange Fees: Average

-0.15%

Net Return:

0.90%

Working example: AIT Trade (using Vitalis or T-Three)

R500,000

Average Gross Premium:

1.75%

CH FX fee - Point of execution (25%)

-0.44%

AIT Fees (Vitalis / T-Three): R30 per R100k traded (excl.VAT)

-0.03%

**Capitec Bank SWIFT fee R500 fixed fee

-0.10%

Capitec Bank Crypto Fee is R50 fixed fee (excl. VAT)

-0.01%

*Exchange Fees: Average

-0.15%

Net Return:

1.02%

Working example: AIT Trade (using Vitalis or T-Three)

R1,000,000

Average Gross Premium:

1.75%

CH FX fee - Point of execution (25%)

-0.44%

AIT Fees (Vitalis / T-Three): R30 per R100k traded (excl.VAT)

-0.03%

**Capitec Bank SWIFT fee R500 fixed fee

-0.05%

Capitec Bank Crypto Fee is R50 fixed fee (excl. VAT)

-0.01%

*Exchange Fees: Average

-0.15%

Net Return:

1.07%

Exchange Fees is a variable figure which depends on both which offshore and onshore exchange/facility that we send your FX to and where we trade your crypto arbitrage. This includes offshore beneficiary bank deposit fee, USDC to USDT conversion fee and onshore bank withdrawal fee. It can vary from 0.02% up to 0.20%.

**a R500 SWIFT fee is charged by Capitec (not RMB) for every FX transaction completed.

Clients earn a variable interest rate of 6% to 7% (linked to Repo Rate, subject to change) per annum on your cash balance that remain at Capitec Business Bank. An annual administration fee of 0.9% is in place to facilitate all the FX administration required to complete the
arbitrage cycle.

Fees may include VAT for the RMB transaction BUT not those processed by Capitec Business Bank.

Application for International Transfer (AIT) Fees:
Our CH FX fee excludes cost of acquiring AIT/TCCs.
If you are using Vitalis or T-Three Accounting services for your AIT applications, the cost is R30 per R100,000 approved AIT (excl. vat).

If you are doing your own AIT applications, the cost is R15 (excl. VAT) per R100,000 AIT traded
The fee is only charged upon successful application and at execution of your AIT trades.

No upfront costs and fees are deducted.
Fees are deducted from gross profit once the arbitrage has been executed.

Past returns do not guarantee future performance.

Example of the trading profits using your R11m offshore allowance with the recommended R250,000 (R50k is our minimum investment amount)

1.00% Premium

1.5% Premium

2% Premium

2.5% Premium

3% Premium

SDA & FIA Combined

R 11,000,000

Amount Invested

R 250,000

Number of Trades

Bank SWIFT Fee**

R 500

Forex Fee (%)***

0.25%

0.38%

0.5%

0.63%

0.75%

Client's Net Profit (%)

0.55%

0.93%

1.3%

1.68%

2.05%

Client's Net Profit (ZAR)

R 60,000

R 101,750

R 143,000

R184,250

R 225,500

R 225,500

* Gross premium is taken from interbank rate but before 3rd party execution costs.
**a R500 SWIFT fee is charged by Capitec (not RMB) for every FX transaction completed.
*** Forex fee is calculated as 25% of the gross premium which is charged onto the FX rate when purchasing USD for the client.
Trading fees on cryptocurrency exchanges range from 0% to 0.2%, depending on the execution route we choose.
Clients earn a variable interest rate of 6-7%* / annum on funds that remain at Capitec. An annual administration fee of 0.9% is in place to facilitate the numerous FX transactions to complete the arbitrage cycle (*subject to change).
Fees may include VAT for the RMB transaction and not those processed by Capitec.

Application for International Transfer (AIT) Fees:
Our arbitrage fee excludes cost of acquiring AIT/TCCs. The cost is R30 per R100,000 approved AIT (ex vat).
The fee is only charged upon successful application and execution of your AIT trades.
⁠No upfront costs and fees are deducted.
⁠Fees are deducted from gross profit once the arbitrage has been executed.

Past returns do not guarantee future performance.

CURRENCY HUB’s trading data and monthly commentary can be found in our media section

Call Us: +27 21 300 3178

Our Fees Explained