You can set up fees ranging from simple transaction-based prices to complex scenarios using tiered pricing and labels.
By default, the following transaction fees are present:
ACC2INTRA_FEE
Fee for an outgoing payment where both accounts are within Tuum (also known as intrabank payment).
ACC2LOCAL_FEE
Fee for an outgoing payment through a local payment scheme.
ACC2SEPA_FEE
Fee for an outgoing payment through the SEPA payment scheme.
ACC2SEPA_RET_FEE
Fee for a returned outgoing payment through the SEPA scheme.
ACC2SWIFT_FEE
Fee for an outgoing payment through a SWIFT payment network.
INTRA2ACC_FEE
Fee for an incoming payment where both accounts are within Tuum (also known as intrabank payment).
LOCAL2ACC_FEE
Fee for an incoming payment through a local payment scheme.
SEPA2ACC_FEE
Fee for an incoming payment through the SEPA payment scheme.
SEPA2ACC_RET_FEE
Fee for a returned incoming payment through the SEPA scheme.
SWIFT2ACC_FEE
Fee for an incoming payment through a SWIFT payment network.
CARD_TOP_UP_FEE
Fee for payment to increase the card limit.
CARD_WITHDRAWAL
Fee for withdrawal of cash from an ATM machine.
FX_FEE
Fee for a foreign exchange transaction.
VIBAN_IN_FEE
Fee for incoming payment from a virtual IBAN account.
VIBAN_OUT_FEE
Fee for outgoing payment from a virtual IBAN account.
See the following topics for different types of pricing options for transaction fees:
The configuration parameters are as follows:
Fee calculation rule*
List
This field is used to define how the fee is calculated.
Select one of the following options:
Fixed fee - A fixed amount is charged.
Fixed fee with percentage - The fee is calculated as a fixed amount plus a percentage of the transaction amount.
Percentage fee - The fee is calculated as a percentage of the transaction amount.
Transaction currency code*
List
The currency in which the transactions are carried out. Select a transaction currency code from the drop-down list.
Note: You can select the All currencies option if the price is the same for all similar transactions made in different currencies.
You can also combine the options as follows:
Define the price of 10 EUR with All as the Transaction currency code.
Define another separate price of 8 EUR for the USD transaction currency code.
Define a separate price of 9 EUR for the GBP transaction currency code.
Result:
If a transaction is made in EUR or NOK or any other supported currency, then the fee of 10 EUR is charged.
If a similar transaction is made in USD, then the fee of 8 EUR is charged.
If a similar transaction is made in GBP, then the fee of 9 EUR is charged.
Fee currency code*
List
Select the currency in which the fee is charged from the drop-down list. The list displays the currencies that are made available in your Tuum configuration.
Price date from*
Date
Select the start date for the price. Format: DD.MM.YYYY
Price date to
Date
Select the end date for the price. The last date is excluded from the period.
Format: DD.MM.YYYY
Labels
List
You can select one or more label values for the transaction fee for detailed pricing if a particular transaction fee type has label names attached with it.
Prices
Enter the price, percentages, and maximum and minimum fee amounts as applicable.
Click Submit and the price is now available under the Fee type code. Click the Price id to view the price details. You have the option to edit and invalidate the price.
Consider that we want to set up a price for transaction fees for outgoing local payments.
Select the Fee calculation rule as Fixed fee with percentage. This means the price is calculated using the fixed amount plus a percentage of the transaction.
Select the Transaction currency code as EUR. This means that the price is set for transactions that are carried out in EUR.
Select the Fee currency code as USD. This means that the fee is charged in USD.
Select the date 05.04.2026 for the Price date from field. This is the date from which the price is available for fee calculation.
Price date to is an optional field and you can edit the date later.
Enter Fixed amount = 5, Percentage = 0.5, Min fee amount = 5.5, Max fee amount = 9. (Note that the maximum fee cannot be less than 5 as the value of the fixed fee is 5.)
Click Submit.
Result: The fee amount is calculated like this: The Min fee amount value is considered as the floor amount for the full fee amount.
If the value of Fixed amount + Percentage >= Min fee amount, then the total fee of fixed + percentage is charged.
If the value of Fixed amount + Percentage < Min fee amount, then the value of the minimum fee amount is charged as the fee.
The following screenshot shows the fee creation page with the sample values:
See for more information.
We are using the sample price list we created before - . From this price list, we are selecting the ACC2LOCAL_FEE fee type and following these steps:
Click the icon to define a price for the fee. The Create new price for transactional fee page opens. The Fee type and Price list type code fields are filled automatically and you cannot edit them.
Using pre-defined and configurable labels, you can have more detailed pricing applicable for different types of fees.
For example, for the price of outgoing SWIFT transactions, you can assign labels for regular or urgent transactions and select counterparty countries.
There are different options according to the fee being created. The following table shows the label fields and the respective options present for the fee types.
ACC2INTRA_FEE,
INTRA2ACC_FEE
accountType
ACC_CURRENCY - Currency account
ACC_INDIRECT - Indirect account
ACC_VIRTUAL - Virtual account
ACC2LOCAL_FEE,
LOCAL2ACC_FEE
accountType localSchema
ACC_CURRENCY
ACC_INDIRECT
ACC_VIRTUAL
LOCAL_BACS - UK local payment scheme
LOCAL_FASTER - UK local payment scheme
ACC2SEPA_FEE,
SEPA2ACC_FEE
accountType sepaSchema
ACC_CURRENCY
ACC_INDIRECT
ACC_VIRTUAL
SEPA_INSTANT
SEPA_REGULAR
ACC2SWIFT_FEE,
SWIFT2ACC_FEE
accountType swiftPriceType swiftSchema swiftUrgency counterpartyCountry
ACC_CURRENCY
ACC_INDIRECT
ACC_VIRTUAL
PRICETYPE_BEN - Beneficiary type SWIFT payment fee
PRICETYPE_OUR - OUR type SWIFT payment fee
PRICETYPE_SHARED - Shared type SWIFT payment fee
SWIFT_CHAPS - UK SWIFT payment schema
SWIFT_CROSSBORDER - SWIFT payment schema Crossborder
SWIFT_INTRAGROUP - SWIFT payment schema for intragroup payments
URGENCY_REGULAR - SWIFT urgency level is regular
URGENCY_SAMEDAY - SWIFT urgency level is the same day
URGENCY_URGENT - SWIFT urgency level is urgent
COUNTERPARTY_AD - Payment counterparty account country is AD (Andorra)
COUNTERPARTY_AE - Payment counterparty account country is AE (United Arab Emirates)
and so on for other countries.
Consider that we want to set up a price for transaction fees for outgoing SWIFT payments based on the following scenario:
The price is charged to currency accounts.
The SWIFT fee charge type is SHA (shared). This means that the sender and the beneficiary share the intermediary bank charges for the payment.
For the first 1000 transactions, €5 fixed fee is charged for each transaction. After that, €10 fee is charged for each transaction.
Select the Fee calculation rule as Fixed fee.
Select the Tier type as Amount single.
Select the Tier application mode as Highest.
Select the Transaction currency code and Fee currency code as EUR respectively.
Select the date 05.04.2026 for the Price date from field. This is the date from which the price is available for fee calculation.
Price date to is an optional field and you can edit the date later.
In the Labels section, select the accountType as ACC_CURRENCY and swiftPriceType as PRICETYPE_SHARED.
In the Tiers section, enter the values as follows:
Click Submit.
Transaction fee types can have multiple related labels. When a transaction is posted with labels, then the related fee is calculated according to the most accurate price according to price hierarchy (See ) and the number of matching labels (the more matches, the better).
We are using the sample price list we created before - . From this price list, we are selecting the ACC2SWIFT_FEE fee type and following these steps:
Click the icon to define a price for the fee. The Create new price for transactional fee page opens. The Fee type and Price list type code fields are filled automatically and you cannot edit them.
Tiers are useful for grouping the transactions and setting prices for the groups respectively. You can only set up tiers for transaction-related fees. You can select a tier type for the price.
There are 3 types of tiered pricing models in Tuum:
Based on the transaction amount. For example, if the outgoing SWIFT payment is less than 10,000 USD then the transaction-related fee amount is 20 EUR. If the SWIFT payment is more than 10,000 USD then the related fee is 25 EUR.
Based on the transaction amount in tier currency. For example, if the outgoing SWIFT USD payment amount expressed in EUR is less than 10,000 EUR (up to 10,950 USD payment depending on the FX base rate), then the transaction-related fee amount is 20 EUR. If the SWIFT USD payment expressed in EUR is more than 10,000 EUR then the related fee is 25 EUR.
Based on the transaction grouping rule. For example, for the first 100 SEPA payments from the virtual accounts during the week, the transaction-related fee amount is 1 EUR per payment. For all the next SEPA payments from the virtual accounts during the same week, the fee is 0.80 EUR per payment.
The configuration parameters are as follows:
Fee calculation rule*
List
This field is used to define how the fee is calculated.
Select one of the following options:
Fixed fee - A fixed amount is charged.
Fixed fee with percentage - The fee is calculated as a fixed amount plus a percentage of the transaction.
Percentage fee - The fee is calculated as a percentage of the transaction.
Tier type*
List
Select one of the following tier options:
Group based - Based on transaction groups.
Amount single - Based on transaction amounts.
Amount single (in tier currency) - Based on the transaction amount in tier currency.
Tier application mode
List
This field describes the behavior when the transaction amount crosses the tier limit.
Select one of the following tier application modes:
Highest - The upper tier is selected for the calculation.
Partial - The transaction amount for calculation is split between 2 consequent tiers.
Tier currency code*
List
This field is displayed only if you select a tier type.
The tier currency is used to sum up transactions carried out in different currencies which is then used to find the appropriate price tier. Select a currency code from the drop-down list.
Transaction grouping code*
List
This field is displayed only if you select the tier type as Group based.
Select one of the options from the drop-down list. The displayed options depend on the fee type and pre-configured grouping rules to gather transaction statistics.
Transaction currency code*
List
The currency in which the transactions are carried out.
Select a transaction currency code from the drop-down list.
Fee currency code*
List
Select the currency in which the fee is charged from the drop-down list.
The list displays the currencies that are made available in your Tuum configuration.
Price date from*
Date
Select the start date for the price. Format: DD.MM.YYYY
Price date to
Date
Select the end date for the price. The last date is excluded from the period.
Format: DD.MM.YYYY
Tiers
Click Submit and the price is now available under the Fee type code. Click the Price id to view the price details. You have the option to edit and invalidate the price.
In the Tiers section, click the icon and enter the amounts as applicable.
We are using the sample price list we created before - . From this price list, we are selecting the ACC2SEPA_FEE fee type and following these steps:
Click the icon to define a price for the fee. The Create new price for transactional fee page opens. The Fee type and Price list type code fields are filled automatically and you cannot edit them.
To add tiers, click the icon next to Tiers.
We are using the sample price list we created before - . From this price list, we are selecting the ACC2SEPA_FEE fee type and following these steps:
Click the icon to define a price for the fee. The Create new price for transactional fee page opens. The Fee type and Price list type code fields are filled automatically and you cannot edit them.
To add tiers, click the plus iconnext to Tiers.
