Taler Operations AG will charge zero fees in 2026 and 2027.

In Taler, deposit fees depend on the specific denominations chosen by the customer's wallet to pay the merchant. Merchants can choose how to split deposit fees, allowing some or all deposit fees to be passed explicitly to the customer. The default setting is for merchants to cover customary fees, but to pass on excessive fees to customers. Excessive fees can theoretically arise if someone were to pay 100 CHF with only 0.01 CHF coins. Normal Taler wallets avoid paying large amounts with only small change.

The main types of fees of Taler and their anticipated rates at Taler Operations AG starting from 2028 are explained below.

These are the anticipated wire transfer fees starting from 2028. They may increase if our core banking partners increase their fees.

• Charge: 0.2 CHF per wire transfer.
• Merchants can delay settlement to allow aggregation of many deposits into one wire transfer. As a result, this fee may only apply once per day, week, month, quarter or even year depending on the merchant's configuration choices and cash-flow requirements.
• Fee Deduction: Directly from the wired amount.

These are the anticipated deposit fees starting from 2028. They may increase if the central bank lowers interest rates until then.

• Charges vary based on coin denomination used.
• Merchants should choose to cover typical fees to ensure customers do not see surcharges.
• Customers are informed about deposit fees the merchant does not cover before each transaction.

These are the anticipated bounce fees starting from 2028. They may increase if our core banking partners increase their fees.

• Charge: 0.2 CHF for returned funds.
• Reasons: Unclaimed funds after 4 weeks, or incorrect wire transfer details.
• Avoidance: Ensure correct details and wallet connectivity within a month.