Plan Comparison

Compare every detail.

See exactly what's included in each plan. No fine print, no hidden fees. Choose the plan that fits your needs.

32 features compared across 3 plans

Basic

Free

Core features explained

Understand exactly what each feature means and how it works for your account.

Earn up to 5.2% APY on compliant stablecoin yield programs through regulated DeFi protocols
No lock-up periods — withdraw your funds at any time with no penalties
Interest compounds daily and is credited to your account automatically
Yield rates are tiered: $0–$50K earns 4.30%, $50K–$250K earns 3.80%, $250K–$1M earns 3.20%, $1M+ earns 2.50%

Domestic wires settle same-day via the Federal Reserve's Fedwire system — funds arrive within hours
International wires support 40+ countries through the SWIFT network with 1–3 business day settlement
Wire fees vary by plan: $25 (Startup), $15 (Plus/Growth), $10 (Premium), or custom pricing for Enterprise
Business accounts can request higher wire limits — most are approved within 24 hours

ACH (Automated Clearing House) is the most common electronic payment method in the U.S., processing over $70 trillion annually
Standard ACH settles in 1–3 business days; Plus plans get next-day, Premium gets same-day processing
Supports both ACH credits (push) and ACH debits (pull) for maximum flexibility
Business plans include batch ACH processing for payroll, vendor payments, and recurring billing

FBO (For Benefit Of) accounts are held at FBO-protected partner banks, providing up to $250K–$500K in deposit insurance
Your funds are segregated from Nano Wallet's operating funds — they're always yours
Each FBO account comes with a unique account number and routing number for direct deposits and transfers

USDC is a regulated stablecoin issued by Circle, backed 1:1 by U.S. dollar reserves and short-term U.S. Treasuries
Convert between USD and USDC instantly — Plus and Premium plans enjoy zero conversion fees
USDC holdings are not FBO-protected but are backed by audited reserves you can verify on-chain

Virtual cards are issued instantly and work with Apple Pay, Google Pay, and online merchants worldwide
Physical cards (Gold and Black tiers) ship in 3–5 business days with contactless NFC payment support
Real-time transaction alerts, spending limits, and the ability to freeze/unfreeze cards from your dashboard

256-bit AES encryption for data at rest and TLS 1.3 for data in transit — the same standards used by major banks
independently audited, FinCEN registered, and fully compliant with U.S. federal and state regulations
Multi-factor authentication, biometric login, and real-time fraud monitoring protect every transaction

Full REST API with OAuth 2.0 authentication — create accounts, initiate transfers, and query balances programmatically
Real-time webhooks for transaction status updates, balance changes, and compliance events
Sandbox environment for testing with simulated transactions before going live

Perfect for getting started with digital dollars. Basic banking, a virtual card, and fund protection — all free.

Ideal for everyday personal finance. Unlock unlimited ACH, wire transfers, yield products, and a Gold debit card.

The complete suite for power users. International wires, 5.2% APY, Black card, and 24/7 priority support.

Our team can walk you through the options and help you find the right fit — no pressure, no commitment.