Frequently Asked Questions

‍1. Limits: The Card Parties may impose spending or other limits on your use of the Card and Services. Here are the Limits set by Tumoni and the banking partners:
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Spending Limits:

Spending Limits
Transaction Type	Daily	Monthly	Yearly
Internal Transfers	Unlimited	Unlimited	Unlimited
Account Number Subnet: ACH Credit	$5,000	$15,000	$75,000
Account Number Subnet: ACH Debit	$5,000	$17,500	$75,000
Card Subnet: Cash	$1,250	$4,375	$18,750
Card Subnet: Interchange	$5,000	$17,500	$75,000
ACH Push	$2,500	$8,750	$37,500
ACH Pull	$2,500	$8,750	$37,500
FedWire	$2,500	$8,750	$37,500
SWIFT or Money Out International	$1,250	$4,375	$18,750
On-Demand Checks	$2,500	$8,750	$37,500
RDC Pull	$1,250	$4,375	$18,750

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Remittance Limits:

Remittance Limits
Tier Level	Daily	Monthly	Every 6 months
1	$500	$1500	$3000
2	$1500	$4500	$9000
3	$4500	$9999	$30000

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Fees: The following fees are assessed on your use of the Tumoni Card.

**Get Cash**
All Fees	Amount	Details
3rd Monthly ATM Withdrawal-In Network	$5	"In-network” refers to the [INSERT NETWORK NAME] ATM Network. Locations can be found at [INSERT WEB ADDRESS/LINK]
ATM Withdrawal-Out-of Network	$5	This is our fee. “Out-of-network” refers to all the ATMs outside of the [INSERT NETWORK NAME] ATM Network. You may also be charged a fee by the ATM operator.

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**Using your card outside the U.S.**
All Fees	Amount	Details
ATM Withdrawal-International	$5	This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.

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**Other**
All Fees	Amount	Details
Replacement Card (Standard Delivery)	$10	Per replacement card ordered.
Replacement Card (Expedited Delivery)	$20	Per replacement card ordered.

‍1. Boundaries. The spending limits or other limits related to the use of the Tumoni Account established by Tumoni and banking partners are as follows:

a. Spending Limits
Transaction Type	Daily	Monthly	Annually
Internal Bank Transfers (Nicaraguan ACH Network)	$1,250	$4,375	$18,750
ACH Debit	$5,000	$15,000	$75,000
ATM Withdrawal	$1,250	$4,375	$18,750
SWIFT or International Transfer (Outside of the Tumoni network)	$1,250	$4,375	$18,750

b. Transfer limits between Tumoni accounts:
Tiers	Daily	Monthly	Every 6 months
1	$500	$1500	$3000
2	$1500	$4500	$9000
3	$4500	$9999	$30000

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Additional charges. The following fees apply for the use of the Tumoni Card:

**Cash Withdrawal**
Fees	Quantity	Details
1st Monthly ATM Withdrawal-In Network	$1.5	"In Network" refers to the associated bank's ATM network.
ATM Withdrawal-Out-of Network	Network's fee + $1.5 net	This is our fee. “Out-of-network” refers to all the ATMs outside of the associated bank's ATM network.

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**Transfers**
Fees	Quantity	Details
Tumoni Transfers	$0	This fee refers to all transfers between Tumoni users national, or international.
Internal ACH Transfers (Nicaraguan ACH Network)	$1.5	This fee refers to all banks within Nicaragua that aren't the associated bank.

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**Using your card outside Nicaragua**
Fees	Quantity	Details
ATM Withdrawal-International	Networks fee + $1.5 net	This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction.

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**Others**
Fees	Quantity	Details
First debit card and delivery	$0	Free when opening your Tumoni account for the first time.
Replacement Card (Standard Delivery)	$10	Per replacement card ordered.
Replacement Card (Expedited Delivery)	$20	Per replacement card ordered.
Bill payments and mobile top-ups	$0	This doesn't generate a fee for the user.