Your balance: $ Net yearly earnings = balance × APY − 12 × monthly subscription. Simple estimate before tax, assumes rates stay the same.
📌 X Money: up to 6% APY, with conditions
- 6% with a Premium, Super or Ultra X Subscription (or legacy Premium+). Everyone else gets 4%, or 6% with ≥$1,000 qualifying direct deposits in a trailing 34 days.
- US only, 18+, supported states. NY residents: no interest. Variable rate.
- Instant withdrawals cost 1.75% (min $0.25); ACH is free.
Rate-change log
- 2026-07-27 X Money rolls out to US Premium/Premium+: 4% standard, 6% Premium+ or Premium with $1k qualifying deposits/34 days source
- 2026-08-31 Opened to all US Premium and Premium+ subscribers source
- 2026-10-01 New York residents earn 0% APY starting Oct 1 (reported in a LinkedIn post; verify on X FAQ) source
X Money benefits
- 6.00% APY for Premium, Super or Ultra plans on The X Subscription (and legacy Premium+). Everyone else earns 4.00%, or 6.00% with at least $1,000 in qualifying direct deposits (payroll ACH or X Creator payouts) in a trailing 34 days. No APY for New York residents. source
- X Card (Visa debit, virtual or metal): up to 3% cashback on eligible purchases for paid subscribers; 1% for others, or 3% with qualifying direct deposit. source
- Free, instant payments to anyone on X, with no fees or limits. source
- Early direct deposit: paychecks up to 2 days early. source
- ATM operator fees reimbursed: unlimited for paid subscribers; others up to $4 per transaction, 2 per month. source
- No foreign transaction fees on card purchases (currency conversion rates still apply). source
- Fees: instant withdrawals 1.75% (min $0.25). Outbound domestic wire $20 (free for Premium+ tier; Premium gets 2 free a year). Metal card $25 for free users, free for subscribers. source
- Deposits held at Cross River Bank, Member FDIC, insured up to $250,000; an automatic sweep program offers up to $10M aggregate FDIC pass-through coverage, subject to limits. X Payments LLC is not a bank. source
- Visa Zero Liability, passkey login, custom transaction limits, 24/7 chat support. source
- Who can join: US residents 18+, verified US phone, X account in good standing. Rolling out in stages since July 27, 2026. source
- Also includes wires, checks, mobile check deposit and joint accounts (beta). source
| Provider | Product | Type | APY | Fee/mo | Net / yr ▼ | Effective APY | Conditions | Insurance | Source |
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