Membership Fee: Transparent by Design, Strengthening Security

Keeping your crypto safe takes work behind the scenes—and of course we’ve got that covered. 

To further support our secure wallet systems, ZebPay applies a wallet maintenance (membership) fee only when an account is inactive.

Think of this fee as a tiny helper for maintenance. It covers just a small fraction of the total cost, while ZebPay happily takes care of the rest!

Yes, we know… having the highest security is already amazing news! 

But guess what? We’ve got something that’ll make you just as happy — your shortcut to zero membership fees:

Make a trade or keep an active Earn contract, and the wallet fee won’t even dare touch your account. Easy, fair, and totally in your control!

So, When Does This Fee Come Into Play?

The wallet maintenance fee is charged only if your account is inactive for an entire month.

Your account is considered inactive if, during the month:

• You don’t place any buy OR sell trades
   (Exchange, Quick Trade, Crypto Packs, SIP or Futures), 

OR

• You don’t have an active Earn contract
  
  

Even one trade or an active Earn contract keeps your account active and fee-free.

How much is the Fee?

We keep it simple, it’s a flat 0.0001 BTC + 18% GST
(or the equivalent in INR or any other supported cryptocurrency)

When Is It Charged?

If your account is inactive for the month:

• The fee is applied on the 1st of the next month

• Zero balance on the 1st? No fee, simple as that!

• Balance less than the fee? Only the available amount is deducted.

• Your balance will NEVER go below zero.

• The fee is never carried forward to the next month.

The activity window runs:

• UTC: 12:00 AM on the 1st to 11:59 AM on the 1st of the next month

• IST: 5:30 AM on the 1st to 5:29 AM on the 1st of the next month

For eg: The month of Jan starts on 1st Jan at 00:00:00 AM UTC ie 5:30:00 AM Indian time and ends on 31st Jan at 11:59:59 PM UTC ie 1st Feb 05:29:29 AM Indian time. If you make any trades or have active Earn in this period, the membership fee will not be charged.

Want to Check the Fee Details?

You can see everything clearly in the app:

• Open the token

• Head to Wallet History from Exchange or Quick Trade

• Get a detailed view in your account statement, available on the app.

• Tax invoice sent in the first week of the month (when the fee was charged).

No guesswork, everything is transparent!

Where Can I Read More?

You’ll find more details in:

• The Pricing section on our website

• The app under Fees (Hamburger menu → Fees)

• Helpful PUSH notifications and emails we send to inactive users as reminders

• Terms of Use (Clause 9(d))

What is a Tax invoice and how do we read it?

A tax invoice is the receipt for GST paid to the tax authorities on all the service charges deducted from your account during the specified period. It adds up all the fees you’ve already paid, including trade fees, fiat deposit & fiat/crypto withdrawal fees, membership fees (if any), and more.

Now, about that membership fee (AMC): here’s the part we often get asked about!

• The AMC fee is charged on the 1st of the month for any inactivity in the previous month.

• So if you see a fee dated 1st February, it’s for inactivity that happened in January.

Think of it like a little “catch-up” note—your tax invoice always reflects when the fee was charged, not the month it’s for. Clear and totally easy to track!

And we reiterate the easy way to avoid the fee!

Here’s the simplest rule to remember:

• Make one trade a month, or

• Keep an active Earn contract

Keep investing, watch your portfolio grow and say goodbye to the membership fee!