Personal · 2026
Money that works
for you.
Free for everyday spending and sending. Upgrade only when you want auto-saving, AI bill negotiation, and white-glove perks.
Personal
A full multi-chain wallet, Nitro Card, and global send — free forever.
- Free Nitro virtual card
- Send & receive in 40+ countries
- 2% BTC cashback on card spend
- Nitro Tags + community support
Plus
Smart Pay, bill negotiator, Net Worth tracking — your money on autopilot.
Switch to yearly · save 18%
- Everything in Personal
- Smart Pay routing + Perks
- AI bill negotiator & subscriptions
- Net Worth + linked accounts
- Priority chat support
Premium
Metal card, higher limits, FX discounts and concierge for power users.
- Everything in Plus
- Nitro Metal card + airport perks
- Discounted mid-market FX
- Higher daily send & ATM limits
- 24/7 concierge support
Personal stays free forever. Upgrade only when the smart features earn their keep.
Live mid-market rate plus a transparent margin, shown before every conversion.
Pause or cancel from your wallet — unused months prorate back automatically.
Pick the right Nitro for you
| Monthly fee | $0 | $4.99/mo | $14.99/mo |
| Nitro virtual card | |||
| Nitro physical card | Standard | Standard | Metal |
| BTC cashback | 2% | 2% | 3% |
| Global Send | Discounted FX | ||
| Smart Pay & Perks | |||
| AI Bill Negotiator | |||
| Net Worth + linked accounts | |||
| Daily send limit | $2,500 | $10,000 | $50,000 |
| ATM withdrawal limit | $500/day | $1,000/day | $2,500/day |
| Airport lounge access | |||
| Support | Community | Priority chat | 24/7 concierge |
Running a business?
See payments, treasury and API pricing for teams.
FAQ
Questions about pricing
Yes. Personal is free forever — no monthly fee, no card fee, no minimum balance. You only pay network spreads when you move money cross-currency, shown transparently before every send.
Plus unlocks Smart Pay routing, the AI bill negotiator, subscriptions and Net Worth tracking with linked accounts, plus priority chat support. Most members save more than the subscription cost in the first month.
Premium adds the Nitro Metal card, airport lounge access, discounted mid-market FX, higher daily send and ATM limits, and 24/7 concierge. It's built for frequent travelers and heavier spenders.
Yes. Switch between Personal, Plus and Premium at any time. Unused subscription days prorate automatically back to your wallet.
Spend with your Nitro Card and earn Bitcoin back automatically — 2% on Personal and Plus, 3% on Premium. Cashback settles to your BTC wallet daily.