Using Sprout
Fees
One flat fee per send, fixed when you confirm. No interest, no late fees.
Sprout charges one fee: 5% of the amount you send. It’s calculated once, fixed the moment you confirm, and it never grows.
- Sprout feeOf the amount you send, charged once per send
- 5%
- InterestNothing accrues or compounds
- None
- Late feesAfter the 3-day grace period
- None
- Paying earlyClear a plan whenever you like
- No penalty
- For your recipientThey receive the full amount
- Free
The fee by amount
| You send | Flat fee (5%) | You pay back |
|---|---|---|
| $10.00 | $0.50 | $10.50 |
| $50.00 | $2.50 | $52.50 |
| $100.00 | $5.00 | $105.00 |
| $250.00 | $12.50 | $262.50 |
| $500.00 | $25.00 | $525.00 |
| $1,000.00 | $50.00 | $1,050.00 |
| $10,000.00 | $500.00 | $10,500.00 |
Same fee on every term
Taking longer doesn’t cost more. The fee depends on the amount you send, never on how long you take to pay it back.
| $500 over | You pay | Fee | Total |
|---|---|---|---|
| 1 day | 1 × $525.00 | $25.00 | $525.00 |
| 3 weeks | 3 × $175.00 | $25.00 | $525.00 |
| 3 months | 3 × $175.00 | $25.00 | $525.00 |
| 6 months | 6 × $87.50 | $25.00 | $525.00 |
| 12 months | 12 × $43.75 | $25.00 | $525.00 |
How the fee is spread
The fee isn’t charged up front. It’s added to what you owe and spread across your payments. On a $100.00 plan over 10 months, each $10.50 payment is $10.00 of the amount you sent plus $0.50 of fee.
Network fees
Solana charges a small network fee in SOL to process each transaction: a fraction of a cent for a transfer. It goes to the network, not to Sprout, and it’s always shown on its own line before you confirm, so the 5% is never blended with anything else.
What you’ll never pay
- Interest, of any kind, at any point.
- Late fees. A missed payment pauses new sends instead.
- A penalty for paying early.
- A fee to receive. Your recipient gets every cent you send.
- A subscription or account fee.