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To opt into paying just 2% commission, simply visit the 'My Account' section of your Betfair account and select the 'Basic' rewards plan. The 2% commission rate will be applied to your account immediately and you can start making those commission savings.
There is no fee for withdrawals back to a payment card. You may withdraw any amount to your Visa card subject to Visa's limit of US$5,000 per day.