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How are Tab's fees so low?

We designed Tab with tourist businesses in mind so we try to keep our fees as low as possible.
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We also charge customers in their home currency, so they don’t pay their bank any foreign usage fees (usually 3-5%), ATM fees (usually 3-7%) or lose money converting the currency (usually 3% or more). Instead, we charge customers a fee of 4%, which helps us to keep our business fee so low. 

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