How to get X Money and the X Card (2026 guide)
Updated October 16, 2026. Every fact on this page comes from the official X Money FAQ and @XMoney. Not affiliated with X.
X Money is the money account built into X. It pays up to 6.00% APY and comes with the X Card, a Visa debit card. Here's how to get it.
Who can sign up
- At least 18 years old
- A U.S. resident
- A verified U.S. phone number
- An X account in good standing
- Willing to accept the account opening documents
Money is still rolling out to U.S. residents, and X says it will notify you once it's available on your account.
How to sign up, step by step
- Log in to your X account and open the Money tab. If you don't see it yet, Money hasn't rolled out to your account.
- Enter your legal name, date of birth, Social Security Number, phone number and full residential address (no PO boxes). U.S. rules require identity checks.
- If your details don't match public records, upload a photo of a valid government ID and take a selfie.
- Accept the account opening documents.
- Add a passkey (Settings > Security and Privacy > Credentials). A passkey is required to sign in to Money.
- Fund the account by ACH, wire, instant debit card load, cash at participating retailers, mobile check deposit, or a P2P transfer from another X user.
Faster verification tips: match your government ID exactly, include your apartment or unit number, and use good lighting with no glare on your ID photo.
How to get the X Card
- Virtual card: issued and activated automatically when you join Money.
- Physical card: order it in the app. It goes to the mailing address under Settings > Personal Information, so make sure that's current. Cards can't go to PO boxes.
- Metal card: costs $25. That's waived for anyone on a paid X Subscription plan (and legacy Premium or Premium+).
- Activate: open Money, tap View Cards, then activate the physical card.
- The physical card doesn't show the number, expiration date or CVV. Those only appear in the Money tab.
How to qualify for 6% APY
You get 6.00% APY in either of two ways:
- Subscribe to the Premium, Super or Ultra plan on The X Subscription (legacy X Premium+ also counts).
- Or receive $1,000 or more in qualifying deposits within a trailing 34 days. A qualifying deposit is an ACH direct deposit with SEC code PPD (such as payroll) or an X Creator payout (Original Content Rewards, Creator Revenue Sharing or Creator Subscriptions).
Everyone else earns 4.00% APY. Free and Plus users earn the 6% boost only through qualifying deposits. APY isn't available to New York residents. To set up direct deposit, go to Money > Settings > Direct Deposit. You can connect automatically through Pinwheel or manually, and paychecks can arrive up to 2 days early.
Cashback
Paid X Subscription plans (and legacy Premium or Premium+) earn up to 3% cashback on eligible X Card purchases. Everyone else earns 1%, or up to 3% with the same $1,000-in-34-days qualifying deposits.
Fees
| Item | Free / Plus | Premium, Super, Ultra |
|---|---|---|
| Monthly / inactivity fee | None | None |
| Instant withdrawal | 1.75% (min $0.25) | 1.75% (min $0.25) |
| ATM operator fees | Reimbursed up to $4, 2x/month | Unlimited reimbursement |
| Outbound domestic wire | $20 (Plus: 2 free/yr) | Free |
| Metal card | $25 (Plus: free) | Free |
| Metal card replacement | $35 (Plus: 1 free) | 1 free, then $35 |
| Foreign transaction fee | None (exchange rates apply) | None |
| ACH withdrawal / P2P | Free | Free |
Always check the app for the most up-to-date fees.
Is X Money FDIC insured?
Yes, through Cross River Bank, Member FDIC: up to $250,000 per depositor, per bank, per ownership category. The optional Sweep Program, run by IntraFi Cash Service, spreads your funds across participating banks for FDIC coverage of up to $10 million per ownership category. You can opt out, but then coverage stays at $250,000 at Cross River Bank. Card purchases are also protected by Visa's Zero Liability Policy.
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We recheck X Money and top savings rates every weekday.
FAQ
Is X Money a bank?
No. X Payments LLC is not an FDIC-insured bank. Deposit accounts are held at Cross River Bank, Member FDIC.
Do I need an X account?
Yes. You must have an X account in good standing to open and use Money.
Is the 6% APY guaranteed?
No. It's a variable rate that applies to Premium, Super or Ultra subscribers (and legacy Premium+), or to other users with $1,000+ in qualifying direct deposits in a trailing 34 days. Always check the app for current rates.
Do New York residents earn interest?
No. New York residents don't earn APY. They may instead qualify for a $300 direct deposit bonus ($3,000 of qualifying deposits within 90 days).
How is interest paid?
Interest is calculated daily and paid monthly. You get a 1099-INT if you earn $10 or more in a calendar year.
Can I add it to Apple Pay or Google Pay?
Yes. The X Card works with Apple Pay, Google Pay and other supported wallets.
Is sending money to other X users free?
Yes, P2P is free between Money users, with no limits once your identity is verified.
Can I have a joint account?
Yes, joint accounts are in beta. The person you invite must follow you and already use Money.
Want to compare X Money against bank savings rates? See the full YieldGap rate tracker.
Not affiliated with X. YieldGap is independent, and X, X Money and X Card are trademarks of their owners. Not financial advice. Source: X Money FAQ.