X Money launches today for Premium and Premium+ subscribers in the U.S., a feature that had been delayed since last year’s January announcement. The service is now live on X’s network, and subscribers receive a custom metal Visa debit card that offers free global ATM withdrawals and no foreign transaction fees, with deposits earning up to 6% APY. Transfers to other X Money users are instant and free, and cardholders earn 3% cashback on eligible purchases.

The app supports wire transfers, checks, and passkey authentication, and users can set custom limits and require authentication for certain transactions. Every card transaction is protected by Visa’s security and risk‑management tools, ensuring a safe experience.

Deposit accounts are held at Cross River Bank, an FDIC member that insures balances up to $250,000. This rollout is a key step in Elon Musk’s effort to turn X into a super app, adding a real‑money component that was previously missing for Premium and Premium+ users in the U.S.

The launch marks the newest addition to X’s suite of services, expanding the platform’s reach into financial services and enhancing value for its premium members.