> ## Documentation Index
> Fetch the complete documentation index at: https://docs.daya.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Get Fees

> Get the current Business API fee schedule

## Overview

Returns the fee schedule that the Business API currently applies to NGN deposits, NGN bank transfers, USD virtual-account deposits, USD transfers, and crypto withdrawals.

Call this endpoint before you display a fee estimate. The current NGN deposit fee is **1%**, capped at **NGN 100**. For NGN bank transfers, the fee is **NGN 20** when the recipient amount is below **NGN 1,000**. From NGN 1,000 upward, the transfer fee is **1%**, capped at **NGN 100**.

Percentage fields contain percentage values, not basis points. For example, `"1.0000"` means 1%.

## Authentication

<ParamField header="X-API-Key" type="string" required>
  Your Business API key.

  ```text theme={"dark"}
  X-API-Key: sk_live_YOUR_API_KEY
  ```
</ParamField>

## Request example

```bash theme={"dark"}
curl --request GET \
  --url https://api.daya.co/v1/fees \
  --header 'X-API-Key: sk_live_YOUR_API_KEY'
```

## Response

```json theme={"dark"}
{
  "ngn": {
    "deposit_fee_percent": "1.0000",
    "deposit_fee_cap": {
      "amount": "100.00",
      "currency": "NGN"
    },
    "transfer_fee_percent": "1.0000",
    "transfer_fee_cap": {
      "amount": "100.00",
      "currency": "NGN"
    },
    "low_value_transfer_fee": {
      "amount": "20.00",
      "currency": "NGN"
    },
    "low_value_transfer_threshold": {
      "amount": "1000.00",
      "currency": "NGN"
    },
    "minimum_transfer_amount": {
      "amount": "100.00",
      "currency": "NGN"
    }
  },
  "usd_virtual_account": {
    "deposit_fee_percent": "0.2000"
  },
  "usd_transfers": {
    "fee_percent": "0.2000"
  },
  "crypto_withdrawals": {
    "default_fee": {
      "amount": "0.1000",
      "currency": "USD"
    },
    "ethereum_fee": {
      "amount": "0.2000",
      "currency": "USD"
    },
    "tron_fee": {
      "amount": "1.0000",
      "currency": "USD"
    }
  }
}
```

## How to apply the NGN transfer fee

Use the amount the bank recipient will receive:

* Reject an amount below `minimum_transfer_amount`.
* If the amount is less than `low_value_transfer_threshold`, charge `low_value_transfer_fee`.
* Otherwise, calculate `transfer_fee_percent` and limit the result to `transfer_fee_cap`.
* Charge the fee separately. Do not subtract it from the recipient amount.

For example, an NGN 500 transfer has an NGN 20 fee. An NGN 5,000 transfer has an NGN 50 fee. An NGN 20,000 transfer reaches the NGN 100 cap.

<Note>
  Use the response from this endpoint as the current schedule. Do not keep a fee value indefinitely in application code.
</Note>

## Errors

| Status | Meaning                                              |
| ------ | ---------------------------------------------------- |
| `401`  | The API key is missing or invalid.                   |
| `500`  | The service could not load the current fee schedule. |