Your money, on the world's
most powerful network.
Rolling out to select users in the United States.
Built to earn
Every dollar works harder on >x<
Automatic growth
Industry-leading interest
More than 10x the national average⁴
One app
Everything money can do
- 01
From paycheck to payments
Get paid up to 2 days early with direct deposit — then send wires, mail checks, and pay your bills, all without leaving >x<.
- 02
Send money instantly
Pay anyone on >x< — free and with no limits.
- 03
Meet the >x< Card
Free ATM withdrawals globally.⁶ No foreign transaction fees.
Use it anywhere Visa is accepted. - 04
3% cashback
Earned on eligible purchases when you pay with the >x< Card.²
- 05
Powerful security
Your account is secured with passkeys, custom transaction limits, and advanced privacy controls.
- 06
Fast, 24/7 support
Dedicated support when you need it — fast and easy to reach.
Protected with FDIC
Coverage up to $10M
Up to $10M in FDIC insurance through the Cash Sweep Program³ — 40x the standard coverage.⁵
Your questions, answered
Everything you need to know
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.