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

# Fees

> Swish itself charges nothing. Each privacy protocol has its own fee.

**Swish itself charges nothing.** What you pay is the fee charged by whichever privacy protocol routes your transaction. Withdrawals are gas-sponsored by Swish — completely free.

## Per-protocol fees

| Protocol         | Fee                                                                     |
| ---------------- | ----------------------------------------------------------------------- |
| **Privacy Cash** | \~\$0.71 + 0.35% of the amount                                          |
| **MagicBlock**   | 0.1% of the amount                                                      |
| **Umbra**        | \~0.35% on send + \~0.35% on unshield (paid when the recipient unlocks) |

The base Privacy Cash fee is **0.006 SOL** converted to USDC at the live SOL/USD price (via the [Pyth Network](https://pyth.network)).

<Note>
  Umbra charges in two legs — \~0.35% when you send and \~0.35% when the recipient unshields. A **Send & Claim** routed through Umbra bundles both legs (\~0.7%) at claim time.
</Note>

## Auto route

When you use the default **Auto** picker, Swish picks the cheapest viable protocol. Typically:

* **MagicBlock** — for sends to recipients who aren't on Umbra (0.1%)
* **Umbra** — when both sender and recipient are Umbra-registered (\~0.35% per leg)
* **Privacy Cash** — final fallback if neither is available

## Where fees are shown

Every transaction modal shows a complete fee breakdown before you confirm — including the exact amount the recipient receives after fees and which protocol the transaction is routed through. You always know what you're paying before you approve.

## Withdrawals

Withdrawals are **free**. Swish sponsors the gas fee for all withdrawals. Note that withdrawals are not private — they're standard USDC transfers on Solana.