XM XMoneyFees Independent reference site

Fees page

X Money fees are still an open question.

The best short answer on March 24, 2026 is: beta screenshots now show a 6% APY on deposits and cashback on card purchases, but a durable first-party consumer fee schedule for transfers, withdrawals, and merchant payments is still missing.

Published: March 11, 2026 Last checked: March 24, 2026 Current posture: partially reported
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Current reading

What we can say without overclaiming

Deposit yield (APY) 6% APY shown in beta (confirmed, March 2026). May require direct deposit of paycheck. Deposits held by Cross River Bank with FDIC insurance up to $250,000.
Cashback rewards 3% cashback on debit card purchases (confirmed, March 2026). Excluded categories include government payments, money orders, wire transfers, precious metals, real estate, and FX transactions.
Welcome bonus $25 welcome bonus reported in beta (confirmed, March 2026).
Peer-to-peer transfer fee Free. Crypto Briefing reported "most everyday features are free" (confirmed, March 2026).
Withdrawal fee Instant debit card withdrawals carry a fee (amount not disclosed). Standard withdrawals appear free.
ATM fees ATM fees are reimbursed (confirmed, March 2026).
Foreign transaction fee Zero foreign transaction fees (confirmed, March 2026).
Limits and holds Still a likely search topic, but not well documented in public first-party docs.

Why this matters

Why this matters before a full launch

  • Consumers search fees before trusting a new payments product.
  • Creators and operators search fees before deciding whether to route money through a new wallet.
  • Clear public documentation is still missing, so a neutral reference page helps people compare what is confirmed and what is not.