# What did LuckyCards discover about the fee differences between 5 virtual card services for ad teams?

When it comes to virtual card providers for media buying teams, the costs can vary significantly, even with the same cards and ad spend. Our recent analysis reveals that the headline deposit fee is just the tip of the iceberg. Here’s what you need to be aware of: 

→ Card maintenance fees can range from $0 to $10 per card each month.  
→ Account top-up fees can hit between 3% and 13%.  
→ Withdrawing funds may incur a flat fee plus up to 1% additional charge.  
→ Declined payments can cost you anywhere from free to over $0.40 per decline.  

For a team managing 50 cards with a monthly spend of $100K, the fee structure can look like this:  
— Best case: approximately $3,000 in fees.  
— Worst case: over $6,000 before even launching a single ad.  

These fees can add up quickly, and in some cases, they can equate to the salary of a media buyer. It’s crucial to note that providers who advertise low deposit fees often impose higher charges on maintenance and withdrawals, which is where many teams overlook the costs.  

This realization led us to create LuckyCards, as we wanted to eliminate the frustration of hidden fees and focus on scaling campaigns instead! 🚀

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- Posted at: 5 months ago
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## Related Product
[LuckyCards](https://www.g2.com/products/luckycards/reviews)

## Related Category
[Digital Business Card](https://www.g2.com/categories/digital-business-card)

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