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, on every plan: Receive USD for free. Send money home fast and affordably. Spend globally at no cost.
🎉 Launch offer: nsave Prestige is available at $29.99/month until the end of January 2027. The regular price of $59.99/month applies after the offer ends.
Monthly plans
Plan | Price | Best for |
Essential | $0 / month | Everyday use and getting started |
nsave Pro | $5.99 / month | Lower fees and included accounts |
nsave Prestige | $29.99 / month (launch offer until end of Jan 2027, then $59.99/month) | Maximum benefits, premium card, and advanced investing |
For a full feature-by-feature breakdown, see nsave subscription plans: Essential, Pro, and Prestige.
What stays free — on every plan
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
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 a $5.99 activation fee and $0.99/month on Essential. You do not need a wire IBAN to use your USD Account or to receive by ACH.
Account opening fees
Account | Essential | Pro | Prestige |
USD Account (ACH) | Free | Free | Free |
USD Wire IBAN | $5.99 one-time | ✅ Free | ✅ Free |
GBP Account | $5.99 one-time (free for UK residents) | $5.99 one-time | ✅ Free |
EUR Account | $5.99 one-time (free for EU residents) | ✅ Free | ✅ 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 Essential plan.
IBAN type | Essential | Pro | Prestige |
GBP IBAN | $0.99 / month | $0.99 / month | ✅ Free (included) |
EUR IBAN | $0.99 / month | ✅ Free (included) | ✅ Free (included) |
USD wire IBAN | $0.99 / month | ✅ Free (included) | ✅ Free (included) |
USD ACH details | Free — no monthly fee | 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) — any user who paid an activation fee for an IBAN before the monthly IBAN fee was announced is excluded from the $0.99 monthly fee for that specific IBAN. Users who open a new IBAN after the announcement pay both the $5.99 activation fee and $0.99/month starting the following month.
nsave Pro subscribers — activation and monthly fees for EUR and USD wire IBANs are included. GBP wire IBAN carries the standard $0.99/month fee.
nsave Prestige subscribers — activation and monthly fees for all wire IBANs (EUR, USD, and GBP) are fully included.
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 | Essential | Pro | Prestige |
Between accounts (GBP ↔ USD, EUR ↔ USD, EUR ↔ GBP) | 1% | 0.5% | 0.5% |
Card spend in USD | 1.5% | 1.5% | 1.5% |
Transfers out
Transfer type | Essential | Pro | Prestige |
Withdraw to local currency | Free | Free | Free |
nsave to nsave (@ntag) | Free | Free | Free |
USD via ACH | $0.50 | $0.50 | $0.50 |
GBP via FPS (Faster Payments) | $1 | $1 | $1 |
EUR via SEPA | $1 | $1 | $1 |
USD via SWIFT | $12.99 | $12.99 | $12.99 |
Stablecoin wallet | 1% | 1% | 1% |
Card
Card type | Essential | Pro | Prestige |
Platinum card | $1.99 one-time | ✅ Included | ✅ Included |
Infinite card | — | — | ✅ Included (6-month commitment from card issuance — see nsave card plans) |
Card spending | Free | 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?
Investing — from 9 October 2026
Order | Essential | Pro | Prestige |
Buy stocks and ETFs | 0.20%, min $0.25 | 0.20%, min $0.25, capped at $15 | 0.20%, min $0.25, capped at $10 |
Sell stocks and ETFs | 0.20%, min $0.25 | 0.20%, min $0.25, capped at $15 | 0.20%, min $0.25, capped at $10 |
Sell shares held before 9 October | Free until 31 March 2027 | Free until 31 March 2027 | Free until 31 March 2027 |
Fractional shares | ✓ | ✓ | ✓ |
Limit & stop orders | — | — | ✓ Prestige only |
See Investment fees: what you pay to buy and sell stocks for examples.
Cashback on card spending
Plan | Rate | Monthly cap |
Essential | — | — |
Pro | 0.5% | Uncapped |
Prestige | 1% on your first $5,000 of spend per month, then uncapped at 0.5% | 1% up to $5,000/month, then uncapped at 0.5% |
Cashback is paid daily into your USD balance, on settled purchases over $1.00. See nsave Pro and Prestige Card Cashback: Terms and Conditions for the full rules.
Yield on USD balance
⏳ Coming soon. The rates below are confirmed and will be live shortly. Yield is available to paid subscribers only (Pro and Prestige).
Plan | Rate | Balance cap |
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 | Uncapped above $15,000 at 3% |
Rates are calculated per year and paid monthly; the monthly amount resets at the start of each calendar month.
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.