Fees & rates

In-rate fee

An in-rate fee is a service margin embedded in the displayed exchange rate rather than shown as a separate percentage.

Common among instant exchanges. Not dishonest per se, but it prevents you from knowing what the service costs without checking the mid-price.

On Swap.bz

Swap.bz shows its 0.5% / 1% as a number; network fees are the only other component.

Spread

The spread is the gap between the market mid-price and the rate you are actually offered; it is where hidden fees live.

Service fee

The service fee is the percentage an exchange keeps for executing the swap, separate from blockchain network fees.

← All 62 terms · Last reviewed 2026-09-06