We believe pricing should be clear, fair, and easy to understand. Below is a simple breakdown of how pricing works on nsave personal accounts, what's free, and when fees may apply.
Our core promise stays the same:
Receive USD for free. Send money home fast and affordably. Spend globally at no cost.
Monthly plans
Plan | Price | Best for |
Standard (shown as "Free" in the app) | $0 / month | Everyday use and getting started |
nsave Pro | $9.99 / month | Lower fees, included IBAN costs, and advanced features |
What stays free — on both plans
Receiving USD — free
USD Account (the USD wallet) — free to open and hold
USD ACH details (routing and account number) — free, no monthly fee
Global card spending — free
nsave-to-nsave transfers — free
Withdrawing to local currency — free
Investment orders — free
ℹ️ USD Account vs USD wire IBAN — not the same thing. The USD Account (with free ACH details) has no monthly fee. A USD wire IBAN is a separate product that carries the $5.99 activation fee and $0.99/month. You do not need a wire IBAN to use your USD Account or to receive by ACH.
Account opening fees
Account | Standard plan | Pro plan |
USD Account (ACH) | Free | Free |
USD Wire IBAN | $5.99 one-time | Free |
GBP Account | $5.99 one-time (free for UK residents) | Free |
EUR Account | $5.99 one-time (free for EU residents) | Free |
Monthly IBAN fee — from 30 September 2026
From 30 September 2026, each GBP, EUR, and USD wire IBAN costs $0.99 per month to keep open on the Standard plan.
IBAN type | Standard plan | Pro plan |
GBP IBAN | $0.99 / month | Free (included in subscription) |
EUR IBAN | $0.99 / month | Free (included in subscription) |
USD wire IBAN | $0.99 / month | Free (included in subscription) |
USD ACH details | Free — no monthly fee | Free — no monthly fee |
✅ Who is excluded from the monthly IBAN fee
GCC residents— for their USD account
EU residents— for their EUR account (opening fee also waived)
UK residents— for their GBP account (opening fee also waived)
Prior activation fee payers ($5.99 or $1.99)— per IBAN: any user who paid any activation fee for an IBAN is excluded from the $0.99 monthly fee for that specific IBAN. Opening a different IBAN currency is a new activation.
nsave Pro subscribers— both the activation fee and the monthly fee are included in your subscription
ℹ️ Low balance: If your balance falls below $0.99 when the monthly fee is due, we take what's there and archive the IBAN. Nothing further is owed and your balance cannot go below zero. The fee is charged from your USD balance; if you have no USD balance, we convert from EUR or GBP at the mid-market rate.
FX — currency conversion
We show you the exchange rate upfront before you confirm any conversion. All conversions are available 24/7 with no minimum.
Conversion | Standard | Pro |
Between accounts (GBP ↔ USD, EUR ↔ USD, EUR ↔ GBP) | 1% | 0.5% |
Transfers out
Transfer type | Standard | Pro |
Withdraw to local currency | Free | Free |
nsave to nsave (@ntag) | Free | Free |
USD via ACH | $0.50 | $0.50 |
GBP via FPS (Faster Payments) | $1 | $1 |
EUR via SEPA | $1 | $1 |
USD via SWIFT | $12.99 | $9.99 |
Stablecoin wallet | 1% | 1% |
Card
Card type | Standard | Pro |
Platinum card | $1.99 one-time | Free |
Infinite card | $99.99 one-time | $99.99 one-time |
Card spending | Free | Free |
✅ Previously paid for a card? If you paid for a card with us before, the Platinum card is free — see I already paid for a card. What happens now?
Rewards on USD balance
Rewards are paid out daily on your USD balance:
Plan | Yearly rate |
Standard | 3.2% |
Pro | 4.2% |
Rates are shown in-app and may vary over time.
Transparency and trust
We always show fees and rates before you confirm a transaction
No hidden charges after the fact
Pricing may vary by country and product availability
For full pricing details: nsave.com/pricing
Questions?
If you'd like help understanding a specific fee or choosing a plan, contact support directly from the app. We're committed to building pricing that's fair, transparent, and designed around how you actually use nsave.