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Started By
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Any of you using Xmoney? Just signed up.
Posted on 8/18/26 at 10:13 am
Posted on 8/18/26 at 10:13 am
This is something I had been wanting to explore for a while and signed up for it yesterday. You have to be a subscriber on X, but there are no ATM fees and its 3% on purchase and 4-6%APR depending on your monthly deposit. ($1000 min/mon for 6%). I don't believe there are any fees for sending/receiving money, but that isn't something I will use often.
From Co-Pilot:
Key Financial Benefits
High Annual Percentage Yield (APY): X Money provides up to 6% APY on fiat deposits, which is significantly higher than most traditional high-yield savings accounts, helping users grow their funds faster
Deposits are FDIC insured up to $250,000 per person, ensuring security for users’ money
.
Cashback Rewards: Users can earn 3% cashback on purchases made with the X Money Visa card, adding value to everyday spending
Zero Fees and Global Access: The platform allows fee-free peer-to-peer transfers, instant payments, and zero foreign transaction fees, making it convenient for both domestic and international transactions
Users can spend at over 130 million merchants worldwide and integrate with Apple Pay and Google Pay
Convenience and Usability
Personalized Metal Visa Card: Each user receives a customized metal debit card linked to their X handle, combining style with functionality
Both virtual and physical cards are issued instantly, allowing immediate use.
Peer-to-Peer Transfers: X Money enables instant transfers to friends or contacts, even across borders, without fees, making it ideal for splitting bills, sending gifts, or paying back friends
Integrated Digital Asset Management: Users can spend, send, and manage digital assets like USDT, BTC, and ETH directly from the platform, bridging traditional finance and crypto seamlessly
Just wanted to see what others experience has been with it.
From Co-Pilot:
Key Financial Benefits
High Annual Percentage Yield (APY): X Money provides up to 6% APY on fiat deposits, which is significantly higher than most traditional high-yield savings accounts, helping users grow their funds faster
Deposits are FDIC insured up to $250,000 per person, ensuring security for users’ money
.
Cashback Rewards: Users can earn 3% cashback on purchases made with the X Money Visa card, adding value to everyday spending
Zero Fees and Global Access: The platform allows fee-free peer-to-peer transfers, instant payments, and zero foreign transaction fees, making it convenient for both domestic and international transactions
Users can spend at over 130 million merchants worldwide and integrate with Apple Pay and Google Pay
Convenience and Usability
Personalized Metal Visa Card: Each user receives a customized metal debit card linked to their X handle, combining style with functionality
Both virtual and physical cards are issued instantly, allowing immediate use.
Peer-to-Peer Transfers: X Money enables instant transfers to friends or contacts, even across borders, without fees, making it ideal for splitting bills, sending gifts, or paying back friends
Integrated Digital Asset Management: Users can spend, send, and manage digital assets like USDT, BTC, and ETH directly from the platform, bridging traditional finance and crypto seamlessly
Just wanted to see what others experience has been with it.
Posted on 8/18/26 at 10:14 am to TimeOutdoors
I’d be down to switch for 6%.
Posted on 8/18/26 at 10:27 am to Rize
The 6% and the not ATM fees are what attracted me. Me and my sister occasionally have the need to transfer funds for things for the Estate or for gifts so that will come in handy as well.
Posted on 8/18/26 at 12:39 pm to TimeOutdoors
I'm lazy but I'm thinking about it.
Any idea if these are new customer incentive rates only?
Any idea if these are new customer incentive rates only?
This post was edited on 8/18/26 at 12:40 pm
Posted on 8/18/26 at 12:49 pm to notsince98
quote:
I'm lazy but I'm thinking about it.
Any idea if these are new customer incentive rates only?
It doesn't seem to be a promotion from what I can tell.
FYI, you get a virtual card right away when you sign up, but it took me a minute to figure out how to order the physical card. Click on the virtual card, select manage cards, and then there is an option to order a physical card after you confirm your address.
Posted on 8/31/26 at 10:43 pm to TimeOutdoors
Saw that it’s being offered to all premium members now.
I’m slowly moving my accounts over to it and have been happy with the results so far. My direct deposit clears 2 days before the other half of my direct deposit clears with my existing bank. I’ve had no problems with the cash back or atm (no atm fees).
Loading Twitter/X Embed...
If tweet fails to load, click here. I’m slowly moving my accounts over to it and have been happy with the results so far. My direct deposit clears 2 days before the other half of my direct deposit clears with my existing bank. I’ve had no problems with the cash back or atm (no atm fees).
Posted on 9/1/26 at 3:47 am to TimeOutdoors
I was looking at this when the promotion hit my X account a few weeks back but I didn’t take the time to dig. I think I’ll sign up. Thanks for the breakdown.
Posted on 9/1/26 at 9:04 am to Rize
quote:
I’d be down to switch for 6%.
is this guaranteed? what are the terms? beats a MMF at 3.5% currently.
need more info
ahhh that is the catch
i cannot dump 250k or 350k in it and get 6% unless i keep depositing 1k a month?
This post was edited on 9/1/26 at 9:17 am
Posted on 9/1/26 at 9:33 am to Fat Bastard
quote:
i cannot dump 250k or 350k in it and get 6% unless i keep depositing 1k a month?
But anything above 250K is not FDIC insured, right?
Posted on 9/1/26 at 9:45 am to TimeOutdoors
I signed up last month and deposited a small amount in it to play around.
This post was edited on 9/1/26 at 9:47 am
Posted on 9/1/26 at 9:53 am to TimeOutdoors
6% is a pretty good indicator of what they think the market will do.
Posted on 9/1/26 at 9:57 am to TimeOutdoors
Wake me up she. I can sign up for BlueSkyMoney
Posted on 9/1/26 at 9:58 am to Enadious
quote:
But anything above 250K is not FDIC insured, right?
Supposedly up to $10,000,000 through a "sweep account" feature.
Posted on 9/1/26 at 10:04 am to TimeOutdoors
quote:
4-6%APR depending on your monthly deposit. ($1000 min/mon for 6%).
Can that be a regular manual deposit or does it have to be a direct deposit from your work/employer? Would hate to have to change direct deposit from my local bank only to find out in a few months that the 6% was introductory.
Posted on 9/1/26 at 1:50 pm to dstone12
quote:
6% is a pretty good indicator of what they think the market will do.
It's very likely a teaser rate that will drop dramatically after enough people sign up
They have cash they can burn, but many banks do this same type of thing with a teaser rate way above the market average then just lower it 3-6 months later
This post was edited on 9/1/26 at 1:51 pm
Posted on 9/1/26 at 11:50 pm to Fat Bastard
For 6% you need to direct $1000 per month, otherwise it’s 4%.
Posted on 9/2/26 at 12:00 am to Cajun75
quote:
Would hate to have to change direct deposit from my local bank only to find out in a few months that the 6% was introductory.
“ Official terms
From X Money’s rate page (effective as of July 27, 2026):
• Premium+: 6.00% APY (standard)
• Premium: 4.00% APY standard, boosted to 6.00% APY if you receive $1,000+ in qualifying direct deposits (ACH payroll or X creator payouts) in a trailing 34-day period
X’s marketing page and footnotes say the APY “is accurate as of 7/27/2026 and subject to change. Rates and eligibility vary by subscription and jurisdiction.”
My work allows up to 4 discretionary direct deposits, I started off at $500, but just changed it too $1000. I’ve started charging my autopay for cell, utilities, etc to it so I can earn 3% back.
Posted on 9/2/26 at 5:28 am to TimeOutdoors
Can you use it to send money to others checking accounts or do they have to have X money too?
So is it like Zelle or Venmo?
So is it like Zelle or Venmo?
Posted on 9/2/26 at 6:34 pm to supadave3
These are the options showing when I click send..
Send to your accounts Withdraw or transfer to other accounts
Send a wire
Domestic U.S. only
Mail a check
Send to any US address
Send to your accounts Withdraw or transfer to other accounts
Send a wire
Domestic U.S. only
Mail a check
Send to any US address
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