4% back1% FXissuer help center
Ethena Pay: fees & cashback
Source: issuer help center, checked 04 Nov 2026.
Cashback4% / 4.5% / 5% in AVAX by tier
FX / conversionFree issuance and monthly fee; FX about 1%
Annual feeFree
IssuanceFree
Top-upDeposit USDe; network fees apply
ATM$1 + 0.65%
NetworkVisa
RegionsAbout 50 countries (not US, EU, UK, Russia)
Bonus: free virtual Visa, non-custodial, Apple Pay, Daily Boost on USDe
Note: FX about 1%; no US, EU, UK or Russia; Google Pay soon
Tiers by plan
TierCashbackFXCapCost
Standard4%1% *4% on first $2,500/mo, 1% to $4,000, 0% above; under $1 nothingfree
Pro4.5%1%lock $2,000 ENA or 10 referrals
VIP5%1%lock $10,000 ENA or 50 referrals
* about 1%, network fee passed through with no markup
Source: issuer help center, checked 04 Nov 2026.
Questions answered
What cashback does Ethena Pay pay?
4% / 4.5% / 5% in AVAX by tier Limits: 4% on first $2,500/mo, 1% to $4,000, 0% above; under $1 nothing.
Does Ethena Pay charge a foreign exchange fee?
Free issuance and monthly fee; FX about 1% Listed FX on non-USD spend: 1%.
What does Ethena Pay cost?
Annual fee: Free. Issuance: Free.
Where is Ethena Pay available?
About 50 countries (not US, EU, UK, Russia) Not issued in: US.
Real receipts
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