Plans overview
What plans does nsave offer?
We offer two plans:
Standard (also shown as "Free" in some parts of the app) — $0 per month
nsave Pro — $9.99 per month
You can switch plans at any time.
Accounts and receiving money
What accounts do I get on Standard?
On the Standard plan 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, all account activations are free and the $0.99 monthly fee does not apply to any IBAN (GBP, EUR, or USD wire).
Is it free to receive money?
Yes. Receiving money in USD (ACH or SWIFT) is free on both 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 Standard 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: the monthly fee and the opening fee are both included — nothing extra to pay.
Low balance: if your balance falls below $0.99, we take what's there and archive the IBAN. Nothing further is owed.
How can I receive Euro (EUR) payments if I don't have a EUR account?
💶 EUR accounts are now available to all nsave users for a one-time $1.99 fee. If you'd prefer to hold and send funds in EUR (instead of converting to USD), you can open a dedicated EUR account directly in the app. See Receiving, holding, and sending Euros with nsave.
If you choose not to open a dedicated EUR account, you can still receive EUR payments into your existing USD account. This article explains how that works.
Overview of receiving EUR payments without a EUR account
If you don't have a EUR account, you can still receive EUR by providing your USD account details (IBAN). The EUR funds sent to your USD IBAN are automatically converted to USD and credited to your account after processing. The process works as follows:
The sender initiates the payment to your USD IBAN.
nsave's system automatically converts the incoming EUR amount to USD.
The USD amount is credited to your USD account after the conversion completes.
Key considerations
Conversion process
Automatic conversion: All EUR funds sent to your USD IBAN are automatically converted into USD. For example, an incoming payment in EUR will be exchanged into USD based on the prevailing exchange rate at the time of processing.
Conversion availability: Currency conversion is available 24/7 with no minimum. Incoming EUR payments will be converted and credited as soon as they arrive, any day and any amount.
Fees and charges
Receiving EUR into a USD account may incur the following fees:
Currency conversion spread: This is the difference between the market exchange rate and the rate applied to your conversion.
Intermediary bank fees: These may apply depending on the sending and intermediary banks involved in the transfer.
If you'd like to avoid conversion fees on incoming EUR, you can open a dedicated EUR account for a one-time $1.99 fee — incoming EUR transfers are then free.
Instructions to receive EUR payments
Steps for receiving payments
Open the nsave app.
Navigate to your USD account and tap on Account Details.
Copy the IBAN and share it with the sender. Remind them to use SWIFT/BIC details if needed.
Inform the sender to initiate the transfer in EUR to the provided IBAN.
Important notes
Ensure the sender uses your full IBAN details. For SEPA EUR transfers, omitting the full IBAN (e.g., relying solely on the account number and BIC) will result in a failed transaction.
Allow 2–10 business days for SWIFT transfers, as processing times can vary based on intermediary banks.
Troubleshooting and FAQs
1. Why hasn't my EUR transfer appeared in my nsave account yet?
EUR-to-USD conversion is available 24/7, so incoming EUR payments are processed as soon as they arrive. If you haven't seen a transfer credited yet, it's most likely still being processed through the sender's or intermediary bank (SWIFT transfers can take 2–10 business days). No action is required on your side; the funds will appear once processed.
2. Can I receive EUR using my GBP IBAN?
No, EUR funds cannot be credited to a GBP IBAN. Always provide your USD IBAN to receive EUR payments — or open a dedicated EUR account.
3. Will I be charged fees if my client pays me in EUR to my USD IBAN?
Yes, automatic conversion and associated fees apply. These include the currency conversion spread and any intermediary bank fees. To avoid these costs, you can open a dedicated EUR account for a one-time $1.99 fee — receiving EUR is then free.
Summary
If you don't want to open a dedicated EUR account, you can still receive EUR payments by using your USD account details. The EUR funds will be automatically converted to USD and credited to your account. Currency conversion is available 24/7 with no minimum, but keep in mind that intermediary bank fees may still apply to SWIFT transfers. For trouble-free transactions, always advise senders to use your full IBAN and SWIFT details. If you'd prefer to keep funds in EUR, you can open a dedicated EUR account at any time. For further assistance, contact nsave support through the app.
✅ Who is excluded from these fees
The following users are not charged the $5.99 activation fee or the $0.99 monthly fee:
GCC residents— for their USD account
EU residents— for their EUR account
UK residents— for their GBP account
Prior activation fee payers ($5.99 or $1.99) — per IBAN : the activation fee exempts you from the $0.99 monthly fee for that specific IBAN only. If you open a different IBAN currency, the $5.99 activation and $0.99/month apply to that new IBAN
nsave Pro subscribers— included in your subscription
ℹ️ USD ACH details are not affected. The free USD Account (ACH routing and account number) has no monthly fee. The $0.99 monthly fee only applies to USD wire IBANs, GBP IBANs, and EUR IBANs.
What happens if I don't want to pay the monthly fee?
You have two free options:
Move your balance to your USD Account — free including FX conversion until 30 September 2026. We'll notify you as soon as this is available in the app. The IBAN will be archived automatically.
Withdraw to your local currency — free on both plans, no end date.
How much does it cost to get an archived IBAN back?
Requesting a new IBAN costs $5.99 on Standard, then $0.99 per month from the following month. On Pro it's free.
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 both Standard and Pro.
How much does it cost to send money internationally?
USD via ACH: $0.50 per transfer on both plans.
USD via SWIFT: Standard: $12.99 per transfer · Pro: $9.99 per transfer
GBP via FPS: $1 per transfer on both plans.
EUR via SEPA: $1 per transfer on both plans.
Stablecoin wallet: 1% on both plans.
Foreign exchange (FX)
What are the FX fees for exchanging between accounts?
Standard: 1%
Pro: 0.5%
Rewards
Do I earn rewards on nsave?
Yes. Rewards are paid out daily on your USD balance:
Standard: 3.2% yearly
Pro: 4.2% yearly
Investments
Are there trading fees?
No. Investment orders are free on both Standard and Pro.
Pro subscription
Is there a free trial for nsave Pro?
Yes. When you first register, you get 1 free month of nsave Pro. After that you move to Standard automatically unless you choose to continue on Pro.
Can I upgrade or downgrade at any time?
Yes. Upgrading applies immediately. Downgrading takes effect at the end of your current billing cycle. Note that the $0.99 monthly IBAN fee will apply from your next billing date if you hold IBANs and are not in one of the excluded groups.
For full pricing details: nsave.com/pricing