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 Premium+ ($40/mo) or with Premium ($8/mo) + ≥$1,000 qualifying direct deposits in a rolling 34 days; otherwise 4%.
- 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
| Provider | Product | Type | APY | Fee/mo | Net / yr ▼ | Effective APY | Conditions | Insurance | Source |
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