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Elon Musk has officially rolled out X Money to U.S. users. He put deposit accounts, instant transfers, and Visa debit cards into X. Premium+ users can earn up to 6% APY on deposits, with 3% cashback for eligible card purchases.
The maximum 6% annualized interest rate is more than 10 times the national average interest rate for U.S. savings accounts, and higher than many mainstream banks and popular savings accounts.
Not all accounts automatically receive the 6%; Premium users also need to meet qualifying direct-deposit salary requirements, and the interest rate will be adjusted.
The service is first rolling out to U.S. Premium and Premium+ subscription users. Transfers between X users are free and have no limits. Salary via direct deposit can be available up to two days early, and users can also send money within the app, mail checks, and pay bills.
The X Card can be added to Apple Wallet. Global ATM withdrawal fees will be refunded within three days, and there is also no foreign exchange transaction fee.