nsave

Pricing

• •Since August 2026 the card programme has restarted in a different form, as the nsave Spend Card: a virtual Visa card in USD issued via npay USA Inc. It comes in two tiers, Platinum (1.99 USD one-off, free for Pro users) and Infinite (99.99 USD one-off for everyone).
• •The $0.50 USD send fee is for Next Day ACH on Personal Standard; SWIFT wire transfers cost $12.99 on Standard and $9.99 on Pro.
• •The USD account with ACH details has no monthly fee.
• •USD wire details (IBAN) are a separate product from the free ACH account: activation costs $5.99, and from 30 September 2026 they cost $0.99 per month on the Standard plan.
• •The one-off GBP account opening fee on Personal Standard is waived for UK residents, and the account is free to open on Personal Pro.
• •From 30 September 2026 the GBP IBAN costs $0.99 per month on the Standard plan; it is included on Pro, and UK residents and customers who have already paid an activation fee for that IBAN are exempt.
• •The one-off EUR account opening fee on Personal Standard is waived for customers with an EU residential address, and for Personal Pro subscribers regardless of residence.
• •From 30 September 2026 the EUR IBAN costs $0.99 per month on the Standard plan; it is included on Pro, and customers who have already paid an activation fee for that IBAN are exempt.
• •nsave's official pages disagree on whether EU residents pay the EUR monthly fee on Standard: the dedicated EUR article and two other articles say it still applies ("The $0.99 monthly fee still applies on Standard"), while the pricing overview page lists EU residents as exempt. The opening fee waiver for EU residents is not in question.

Limits

• •There is no general limit on ACH transfers. A $4,000 limit applies specifically to third-party person-to-person ACH payments for non-US residents.
• •Previous 'Trust Level' limits have been removed from accounts; there are no preset limits tied to them.

Payments & transfers

• •living in NGCustomers residing in Nigeria cannot receive GBP or EUR transfers from accounts that are not in their own name (e.g. friends, family, business partners); sending money and other account activity (USD, ACH, stablecoin) are not affected.
• •nsave supports a cash-pickup transfer corridor to Syria via National Islamic Bank as well as mobile wallets.
• •Outbound transfers to countries outside the UK are processed by Veem Inc., a US money services business.

Cards

• •The original Mastercard cards issued by AF Payments Limited were discontinued: new issuance stopped on 11 May 2026, and from 18 June 2026 existing cards stopped working as well.
• •There are no physical nsave cards: both Spend Card tiers are virtual, and cash withdrawals are not possible.
• •The Spend Card is being rolled out in phases by country of residence: 48 countries are served, the UK and the EU are marked 'coming soon', and the excluded countries include the US, India, Nigeria and Turkey.

Crypto

• •Stablecoin deposits (USDC, USDT) are only supported on the Solana network; more networks and stablecoins may be added in the future.
• •The USD account and stablecoin wallet are operated by npay USA Inc. (Montana), a Money Services Business registered with FinCEN; npay is not a bank, and funds are not FDIC-insured.

Business activity

• •Business onlynsave Business accounts are only for companies that pay a team through nsave (freelancers, contractors or remote employees), and nsave asks for one proof of it. General business banking, treasury holding and FX trading are not supported.

Opening an account

• •Business onlyBusiness accounts are invite-only until the end of the quarter, according to the nsave help article "What types of businesses can open an nsave business account?" (read on 3 October 2026). You can already apply at nsave.com/business.

Company ownership

• •Business onlyCompanies operating with bearer shares are not accepted for business accounts, unless publicly traded on a recognized stock exchange.

Licence & regulation

• •nsave Limited (UK) is not itself regulated by the FCA: it acts as a distributor of products issued by separately regulated partners.
• •Two FCA-authorised Electronic Money Institutions, Keel Money Ltd and Frost Money Ltd, are each named as the issuer of GBP and multi-currency accounts on different nsave pages; which one applies in a given case is not clear.