The bank transfer fee says it’s 1%, max $10 per transaction. Does this mean if I get a transfer of 20k I’ll be charged $10 or $200?

Thank you for such a clear and prompt answer. 

Thanks for your prompt and clear explanation 

Hello there, javiermjaar.

Thank you for returning to the Community and informing us that my colleague's response provides clarity to your question. Please know that your feedback inspires us to deliver the best solution and customer experience possible.

Feel free to visit the Community again if you have other product concerns or questions. I'd be delighted to respond to them. Have a great weekend. 

Then why am I being over charged on all my ACH bank transfer fees. I’m being charged as high as 50 dollars for an 800 transaction. I need to speak to a representative I have screen shots and I am very upset. I now need to go through my entire books of 2024 and see how much I was over charged. 

Hi, Patioheatersd. I understand your concern about the ACH bank transfer fees you’ve been charged. Let me provide some information on the fees and how you can get support to address this issue.

I recognize that you are already familiar with the ACH fee structure in QuickBooks Online, which charges 1% of the transaction amount, capped at $10 per transaction. I also appreciate the diligence you have shown in taking screenshots and meticulously reviewing your 2024 books to pinpoint the discrepancies. To assist you in resolving this, here are the steps you can follow:

1. Document Your Findings. Given that you have already identified and documented the transactions with discrepancies, please keep those screenshots and notes handy, as they will be essential for a quick resolution.
2. Contact QuickBooks Online Support: 
   1. Open QBO and log in to your account.
   2. Click on the Help button, typically found in the upper right corner.
   3. Select Contact Us at the bottom of the help window.
   4. Provide a brief description of your issue.
   5. Choose your preferred method of communication, such as a callback from support or live chat.

Additionally, for further information on managing payments, you might find this article helpful: Learn about QuickBooks Bill Pay for QuickBooks Online.

For future consideration, you might also find it beneficial to request a rate review for your company to get a discounted rate when processing transactions. To see how you qualify and meet the requirements, check out this article for more details: Request A Rate Review of QuickBooks Payments Discount Fees.

Your follow up questions are always welcome, and I'm here to assist you every step of the way. Consider this thread an open line. I'm committed to helping you find the resolutions you need.

Same! I have NEVER paid only $10. I had 3 transactions yesterday all over $10 and have had them also charge over $80 for a bank transfer. How many people are getting ripped off and still paying $400 a year for the basic service 

Hi Faith,

I have QuickBooks Simple Start since 2023, and I have the same issue. The fees I pay to receive a bank transfer has never been capped at just $10 per transaction — I’ve always been charged 1% but with no limit. I noted all the instances of this, and reached out to QuickBooks customer service. However, the rep just said that there is no cap to the fee, and that the cap only applies to “old accounts” from before September 2023. 

This is confusing to me, since here and in other Support threads from 2024 and 2025, QuickBooks employees are confirming the $10 cap. So what’s going on? 

I’m curious — did you ever reach out Quickbooks to get a refund for the overcharges? I tried to but didn’t get very far… I was just told that there is no limit to the fee that is charge per transaction.

I was just charged $1,000 dollars on a transfer. Called and spoke with someone from Quicbooks and they told me they couldn’t help me that’s just the fee. Meanwhile, everything I read online and in the quicbooks online system tells me it should have been a max of only $10.00. Needless to say I’m extremely upset and need help contacting the correct person to help me resolve this issue!

I understand that changes to the transaction fees can be confusing, Weeden. Please know that the $10 ACH transaction fee you mentioned was part of a previous offer. Currently, ACH fees are set at a standard 1% per transaction, and transaction fees vary depending on the payment method used.

So, for example, if you use ACH as your payment method and process a total of $100,000 in transactions, the fee would be calculated as follows: $100,000 x 1% = $1,000. This $1,000 is your ACH transaction processing fee charge. You can check the QuickBooks Payment rate for specific payment methods and use the calculator to see the breakdown of the charges that will apply to your ongoing transaction at this link: Payment Rates.

If you prefer to discuss these fees with someone directly, I recommend reaching out to our live support team. They can provide you with more detailed information.

Please let us know if you have other questions or need further assistance.