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This is from the SmartyPig FAQ.
Are there any hidden fees?

Opening, funding and redeeming a goal with SmartyPig is absolutely FREE. SmartyPig customers may also make contributions to other users’ goals or buy SmartyPig gift cards at NO cost if they use their existing SmartyPig funding source. The fee to make a contribution or buy a SmartyPig gift card using a credit card is a flat 2.9%.

Re-read the last line in the above paragraph. To me it sounds like every time you contribute to your goal (ie. make a deposit), they charge you 2.9% It is not clear to me that they are only charging this fee if you contribute to someone else's account.
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