FloatMe offers two types of Floats, Standard and Instant.
Standard Floats use the traditional ACH transfer method. These are available to qualifying members at no additional cost, and are usually deposited into your bank account in 1-3 business days, depending on your bank.
Instant Floats use a payment transfer system to get the money into your bank account more quickly. They generally arrive in less than 30 minutes, though some banks can take up to a few hours to make the funds available. While FloatMe always sends the payment within minutes, your financial institution can vary in how long it takes to make those funds available to you.
There is an additional fee associated with this type of Float, as it helps FloatMe cover the extra cost of transferring the money right away.
The Instant Float Fee is based upon the amount you are requesting to Instant Float:
| Instant Float Amount | Instant Float Fee |
| $10.00 | $3 |
| $20.00 | $4 |
| $30.00 | $5 |
| $40.00 | $5 |
|
$50.00 |
$5 |
|
$75.00 |
$6 |
|
$100.00 |
$7 |
The fee amount is disclosed when agreeing to take out the Float, and prior to accepting the transaction.