Plans overview
What plans does nsave offer?
We offer three plans:
Essential — $0 per month
nsave Pro — $5.99 per month
nsave Prestige — $29.99 per month (launch offer, until end of January 2027 — regular price $59.99/month)
You can switch plans at any time. For a full feature-by-feature comparison, see nsave subscription plans: Essential, Pro, and Prestige.
What accounts do I get on Essential?
On Essential you get:
USD Account — free, includes ACH details (routing and account number)
GBP Account — $5.99 one-time activation fee, then $0.99 per month to keep it open
EUR Account — $5.99 one-time activation fee, then $0.99 per month to keep it open
USD Wire IBAN — $5.99 one-time setup fee, then $0.99 per month to keep it open
On Pro, EUR and USD wire IBANs are free (activation + monthly). The GBP wire IBAN carries the standard $0.99/month fee on Pro. On Prestige, all three wire IBANs (EUR, USD, and GBP) are fully included.
Is it free to receive money?
Yes. Receiving money in USD (ACH or SWIFT) is free on all plans. Sender bank fees may still apply.
IBAN fees
Is there a monthly fee for my IBAN?
Yes, from 30 September 2026. Each GBP, EUR, and USD wire IBAN costs $0.99 per month to keep open on the Essential plan.
Existing IBANs: first charge on 30 September 2026, then the same date each month.
New IBANs: $5.99 to open, then $0.99 per month starting one month after opening.
Pro subscribers: EUR and USD wire IBAN fees are included. GBP wire IBAN = $0.99/month.
Prestige subscribers: all three wire IBAN fees (EUR, USD, GBP) are fully included.
Low balance: if your balance falls below $0.99, we take what's there and archive the IBAN. Nothing further is owed.
What happens if I don't want to pay the monthly fee?
Close the IBAN — that's the only thing that stops the charge. Emptying the balance doesn't stop it.
Withdraw to your local currency — free on all plans.
Or move your balance to your USD Account and then close the IBAN.
How much does it cost to get an archived IBAN back?
Requesting a new IBAN costs $5.99 on Essential, then $0.99/month from the following month. Free on Pro (EUR & USD) and Prestige (all three).
Sending money and transfers
Are nsave-to-nsave transfers free?
Yes. Transfers between nsave users are free on all plans.
How much does it cost to withdraw to my local currency?
Withdrawing to your local currency is free on all plans.
How much does it cost to send money internationally?
USD via ACH: $0.50 per transfer on all plans.
USD via SWIFT: $12.99 per transfer on all plans.
GBP via FPS: $1 per transfer on all plans.
EUR via SEPA: $1 per transfer on all plans.
Stablecoin wallet: 1% on all plans.
Foreign exchange (FX)
What are the FX fees for exchanging between accounts?
Essential: 1%
Pro: 0.5%
Prestige: 0.5%
What's the fee on card spend in USD?
1.5% on every plan.
Rewards: yield and cashback
Will I earn cashback on card spending?
Essential: none
Pro: 0.5%, uncapped
Prestige: 1% on your first $5,000 of spend per month, then uncapped at 0.5%
Cashback is paid daily into your USD balance on settled purchases over $1.00. Only members actually paying for Pro or Prestige qualify — a free, trial, or gifted version of Pro will not earn cashback.
Will I earn yield on my USD balance?
⏳ Yield is coming soon. The rates below are confirmed and will be live shortly.
Essential: 0%
Pro: 2% per year on balances up to $18,000
Prestige: 2% per year on your first $15,000, then 3% per year on any balance above $15,000
Rates are calculated per year and paid monthly; the monthly amount resets at the start of each calendar month.
Investments (nvest)
Are there trading fees?
Yes, from 9 October 2026. Each order costs 0.20% of the order value (minimum $0.25), on both buys and sells. Pro orders are capped at $15 per order; Prestige orders are capped at $10 per order.
Are fractional shares available?
Yes, on every plan.
Are limit and stop orders available?
Limit and stop orders are available on Prestige only.
Shares held before 9 October 2026 can be sold free until 31 March 2027. See Investment fees: what you pay to buy and sell stocks for examples and full details.
Subscription
Can I upgrade or downgrade at any time?
Yes. Upgrading applies immediately — you're charged the price difference right away, with no proration. Downgrading takes effect at the end of your current billing cycle. There's no refund or credit for downgrading or cancelling. Note that IBAN fees may apply from your next billing date if you hold IBANs that were included in your previous plan.
What happens to my Infinite card if I cancel Prestige?
It depends on how long you've held the card, counted from when it was issued. Within 6 months of issuance, your card is locked when your downgrade takes effect and closed a month later unless you return to Prestige. After 6 months from issuance, you keep it. See nsave card plans: Platinum and Infinite for the full rule.
What happens to my wire IBANs if I downgrade?
If you downgrade from Prestige to Pro, your GBP wire IBAN moves to the standard $0.99/month fee. If you downgrade from Pro to Essential, your EUR and USD wire IBANs move to the standard $0.99/month fee. Both take effect from your next billing cycle.
Is the Prestige price of $29.99/month permanent?
No — this is a launch offer. Prestige is available at $29.99/month until the end of January 2027, after which the regular price of $59.99/month applies. If you subscribe during the promotional period, your price will move to $59.99/month when the offer ends.
For full pricing details: nsave.com/pricing