The cost for a merchant to use PhoneCash is only 1% across the board for any PhoneCash transaction. This excludes the $10.00 ATM card fee (if requested) and additional charges for using your ATM card to widthdraw from your PhoneCash account. If we deposit into your bank account using a direct deposit, there is a reasonable $10.00 fee. If you go to the bank to deposit money, there is no applicable fees.