X Money — Every dollar works harder on X<br>Skip to main content

Your money, on the world's<br>most powerful network.

Rolling out to select users in the United States.<br>Follow for updates

>x<br>Built to earn<br>Every dollar works harder on >x

Your money shouldn’t sit idle. Earn yield, get cashback, and manage it all in one place.<br>Up to 6.00% APY¹

3% cashback²

Up to $10M in FDIC insurance³

Automatic growth

Industry-leading interest<br>More than 10x the national average⁴

Japan Trip<br>+6.00% APY$6,847.12

Savings<br>+6.00% APY$8,763.45

Savings<br>+6.00% APY$8,000.00

Recitals<br>+6.00% APY$8,000.00

For Cybertruck<br>+6.00% APY$2,487.63

New House<br>+6.00% APY$22,905.71

Holiday Gifts<br>+6.00% APY$2,621.64

Emergency<br>+6.00% APY$7,248.21

Up to 6.00% APY¹<br>Rates and eligibility vary by subscription. See terms.

One app<br>Everything money can do

Activity<br>July Rent$3,100.00<br>17 Jul 2026Check

X Premium$8.00<br>18 Jul 2026ACH

SpaceX$6,200.00<br>16 Jul 2026Early Paycheck

01From paycheck to payments<br>Get paid up to 2 days early with direct deposit — then send wires, mail checks, and pay your bills, all without leaving >x$1,200.00

sent toAlex

3h

$160.00

sent toAmanda

4h

$26.52

sent toJoel

5h

$1,200.00

sent toAlex

3h

02Send money instantly<br>Pay anyone on >xFrontBack

03Meet the >xFree ATM withdrawals globally.⁶ No foreign transaction fees.<br>Use it anywhere Visa is accepted.

4:20

Cashback$9.74<br>16 Jul 2026

043% cashback<br>Earned on eligible purchases when you pay with the >xFace ID scan glyph bobbing then resolving to a success check<br>05Powerful security<br>Your account is secured with passkeys, custom transaction limits, and advanced privacy controls.

Has my mailed check gone out yet?

Read

Your check has shipped and should<br>arrive in about 2 business days.

John

06Fast, 24/7 support<br>Dedicated support when you need it — fast and easy to reach.

Secured assets<br>Protected with FDIC<br>Coverage up to $10M

Up to $10M in FDIC insurance through the Cash Sweep Program³ — 40x the standard coverage.⁵

Who is >x<br>>xHow do I get started?

How is my money protected?

Is my financial activity private?

How do I earn up to 6.00% APY?

What are the benefits of the >x

1. Annual Percentage Yield (“APY”) is accurate as of 7/27/2026 and subject to change. Rates and eligibility vary by subscription. Premium+ users are eligible for 6.00% APY. Premium users may be eligible for a boosted APY of 6.00% when Qualifying Direct Deposit requirements are met. See here for details, eligibility, and current rates. Fees may impact your earnings. Your funds are held at Cross River Bank, Member FDIC and other FDIC-insured institutions. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. X Payments LLC is not an FDIC-insured bank. Deposit insurance only covers the failure of an insured bank.

2. Earn 3% cash back on eligible purchases made with the 𝕏 Card. Certain transactions are not eligible. See Cashback Rewards Terms for details.

3. Deposit accounts are held at Cross River Bank, Member FDIC, and insured up to $250,000. Deposits are automatically enrolled in a cash sweep program, which provides up to $10M of aggregate FDIC pass-through deposit insurance coverage, across participating FDIC-insured network banks, subject to limits. Certain conditions must be satisfied for deposit insurance coverage to apply, see terms. X Payments LLC is not an FDIC-insured bank. Deposit insurance only covers the failure of an insured bank.

4. “More than 10x the national average" compares the 6.00% Annual Percentage Yield (APY) on the 𝕏 Money Account to the national average interest rate for savings accounts of 0.38%, as published by the FDIC in its National Deposit Rates as of July 20, 2026. The FDIC updates national deposit rates monthly; comparison is accurate as of the date stated.

5. Deposits are eligible for up to $10,000,000 in aggregate FDIC insurance through placement at multiple FDIC-insured network banks via IntraFi's ICS® service. "40x" compares this aggregate maximum to the standard FDIC insurance amount of $250,000 per depositor, per insured bank, per ownership category. X Payments LLC is a financial technology company, not an FDIC-insured depository institution. Banking services provided by Cross River Bank, Member FDIC. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. See network bank list here.

6. Any ATM fees charged are reimbursed within 3 calendar days.