Pricing

Five plans. Pick yours.

Start free. Upgrade when you want more. Cancel anytime. No contracts. No fine print.

Standard
0
Free, forever
  • Free virtual card
  • 0.5% cashback
  • 5 currencies
  • Free EU transfers
  • Apple/Google Pay
Get started
Plus
4/mo
For everyday spenders
  • 1.0% cashback
  • 15 currencies
  • Free FX €3,000/mo
  • Per-merchant cards
  • Round-up savings
Choose Plus
Elite
25/mo
Luxury everyday
  • 2.0% cashback
  • Metal Elite card
  • AMEX paired card
  • Unlimited lounges
  • Hotel upgrades
  • Concierge access
Go Elite
Black
By invitation only
  • 3.0% cashback
  • Engraved metal Black
  • AMEX Black included
  • 24/7 dedicated concierge
  • Private AORO events
  • Dedicated banker
Request invite

Common questions about pricing.

Can I switch plans?

Yes. Upgrade instantly from the app — new perks unlock immediately. Downgrade is free, takes effect next billing cycle.

Are there hidden fees?

No. Every fee is shown upfront. Standard is genuinely free. FX is at mid-market rate, no markup, up to your monthly free limit.

What about Black?

Black is invitation only. We extend invitations to top customers based on usage and engagement — request one when you're ready.

Annual discount?

Pay yearly and get 2 months free on Plus, Premium, and Elite. Switch from monthly anytime.