X is launching its [X Money](https://money.x.com/) app for paid X subscribers in the United States. Users get an X Visa debit card, which they can immediately add to Apple Pay and use to make instant peer-to-peer transfers within the app without fees or limits. They will also receive a physical X Visa debit card that, according to X Money, has no foreign transaction fees and offers free cash withdrawals at worldwide ATMs. > Your money, on the world’s most powerful network > > 𝕏 Money is rolling out to U.S. Premium and Premium+ subscribers starting today [pic.twitter.com/2c1UMkB4Kn](https://t.co/2c1UMkB4Kn) > > — X Money (@XMoney) [July 27, 2026](https://x.com/XMoney/status/2081802002539876506?ref_src=twsrc%5Etfw) X Premium+ users (who pay $40 per month or $395 per year) are eligible for 6% APY, while Premium users (who pay $8 per month or $84 per year) can access the 6% rate if they link a direct deposit to their X Money account. X Money also says that users can get up to 3% cash back on certain purchases, and if they link a direct deposit, they can access that money a few days early. The release of [X Money](https://techcrunch.com/2026/03/04/x-taps-william-shatner-to-give-out-invites-to-its-payments-service-x-money/) reflects a decades-long dream for Elon Musk. In 1999, he founded X.com as a financial services startup, which later merged into PayPal. When he acquired Twitter in 2022, Musk changed the name of the platform to X and repurchased the X.com domain name. Since the Twitter acquisition, Musk has repeatedly stated that he wants to turn the social platform into an “[everything app](https://techcrunch.com/2022/10/08/elon-musk-x-everything-wechat-tesla-app/),” and the rollout of X Money is part of that ambition.