nsave offers three monthly plans. Each one is designed for a different stage of your financial journey — from getting started to unlocking the full nsave experience.
Plans at a glance
Plan | Essential | Pro | Prestige |
Monthly price | $0 | $5.99 | $29.99 |
Best for | Getting started and everyday use | Lower fees, included accounts, and rewards | Maximum benefits, premium card, and advanced investing |
What's free on every plan
Receiving USD — free
USD Account (ACH details) — free to open and hold
Global card spending — free
nsave-to-nsave transfers (@ntag) — free
Withdrawing to local currency (PK, BD, EG and others) — free
Card
ℹ️ Prestige holders get both cards. Every other plan includes one active card at a time. Support for multiple cards on Essential and Pro is coming soon.
Card | Essential | Pro | Prestige |
Visa Platinum card | $1.99 one-time | ✅ Included | ✅ Included |
Visa Infinite card | — | — | ✅ Included |
Card spending | Free | Free | Free |
ℹ️ Prestige and the Infinite card: your Infinite card comes with a 6-month commitment, counted from the day the card is issued — not from the day you subscribe to Prestige. If you leave Prestige before then, your card is locked when your downgrade takes effect (the end of your current billing period). If you return to Prestige within one month of that, the card is unlocked. If you don't, it's closed. After 6 months from issuance, the card is yours to keep even if you later leave Prestige.
Wire accounts
Account | Essential | Pro | Prestige |
USD ACH details | Free | Free | Free |
USD wire IBAN | $5.99 activation + $0.99/month | ✅ Included | ✅ Included |
EUR wire IBAN | $5.99 activation + $0.99/month | ✅ Included | ✅ Included |
GBP wire IBAN | $5.99 activation + $0.99/month | $5.99 activation + $0.99/month | ✅ Included |
ℹ️ "Included" means no activation fee and no monthly fee. Standard exemptions still apply — UK residents pay no GBP IBAN fees, EU residents pay no EUR IBAN fees, and GCC residents pay no USD IBAN fees, regardless of plan. Pakistani nationals who are not residents of Pakistan also pay no USD IBAN fees, on any plan.
FX — currency conversion
Conversion | Essential | Pro | Prestige |
Between accounts (GBP ↔ USD, EUR ↔ USD, EUR ↔ GBP) | 1% | 0.5% | 0.5% |
Investing (nvest)
Feature | Essential | Pro | Prestige |
Commission (buy/sell) | 0.20%, min $0.25 | 0.20%, min $0.25, capped at $15 | 0.20%, min $0.25, capped at $10 |
Fractional shares | ✓ | ✓ | ✓ |
Limit & stop orders | — | — | ✓ Prestige only |
Yield on USD balance
⏳ Coming soon. The rates below are confirmed and will be live shortly.
Plan | Rate | Cap |
Essential | 0% | — |
Pro | 2% p.a. | $30 / month |
Prestige | 4% p.a. on first $50 earned, then 3% p.a. | $50 / month, then uncapped at 3% |
Yield is available to paid subscribers only (Pro and Prestige). Caps reset at the start of each calendar month.
Cashback
⏳ Coming soon. Cashback on card spending is coming in a future update. Confirmed rates are listed below.
Plan | Rate | Cap |
Essential | — | — |
Pro | 0.5% | Uncapped |
Prestige | 1% on your first $5,000 spent each month, then 0.5% | 1% up to $5,000/month spend, then uncapped at 0.5% |
Cashback will only be earned by members actually paying for Pro or Prestige — a free, trial, or gifted version of Pro will not earn cashback. When live, it will be paid daily into your USD balance, only on purchases that settle for more than $1.00. See nsave Pro and Prestige Card Cashback: Terms and Conditions for the full rules.
@ntag
Plan | ntag |
Essential | Auto-assigned (randomized) |
Pro | Custom, once a year |
Prestige | Custom, once a year |
How to switch plans
Open the nsave app and tap your profile in the top-left corner.
Select Subscription.
Choose your preferred plan and confirm.
ℹ️ Upgrading takes effect immediately — you're charged the price difference right away, with no proration. Downgrading takes effect at the end of your current billing period; your current plan's benefits continue until then. There's no refund or credit for downgrading or cancelling.
ℹ️ Existing Pro subscribers: your plan has been updated to the new Pro at $5.99/month. You will receive a separate communication with full details.
Questions?
If you're not sure which plan is right for you, message us directly from the app. We're happy to help.