3% Watch: X Money terms changelog

Between Sep 22 and Oct 17, 2026: 3% becomes 'up to 3%'; non-subscribers drop to 1% unless they direct deposit $1,000+

2026-10-17T00:00:00Z

Between Sep 22 and Oct 17, 2026: Cashback Rewards Terms and FAQ add a 'Cashback Rates' section: paid-plan and legacy Premium/Premium+ subscribers earn 'up to 3%'; all other users earn 1%, boosted to up to 3% only with $1,000+ of Qualifying Deposits (PPD payroll-type ACH or X Creator payouts) in a trailing 34 days. The earlier FAQ said simply: 'You'll earn 3% cashback on eligible purchases.' Exact date not verified: absent from the 2026-09-22 archived terms and the 2026-09-04 archived FAQ; present in the 2026-10-17 archived FAQ.

Status: verified (date window only)

Between Sep 4 and Oct 17, 2026: ATM fee reimbursement capped for non-subscribers; metal card now $25

2026-10-17T00:00:00Z

Between Sep 4 and Oct 17, 2026: The FAQ previously said 'We will reimburse all ATM fees, including international ATM withdrawals' and 'Any fees charged are fully reimbursed'. It now says only paid-plan / legacy Premium subscribers get unlimited ATM operator fee reimbursement; all other users are reimbursed up to $4 per transaction for up to 2 transactions per month. A $25 metal card fee (waived for paid plans) and a $20 wire fee for users without a qualifying plan also appear.

Status: verified (date window only)

Oct 12, 2026: Rate sheet reissued for 'The X Subscription' tiers; APY numbers unchanged

2026-10-12T00:00:00Z

Oct 12, 2026: The official rate sheet now shows an effective date of 10/12/2026 and is reorganized around The X Subscription (Free or Plus: 4.00% standard / 6.00% boosted; Premium, Super, Ultra: 6.00%) plus legacy X Premium tiers. The APY figures themselves (4.00% / 6.00%) match the 07/27/2026 rate sheet. Note Plus subscribers on The X Subscription get the 4% standard rate, not 6%.

Status: verified

Oct 1, 2026: New York accounts drop to 0.00% APY

2026-10-01T00:00:00Z

Oct 1, 2026: For New York residents who were earning interest, APY and interest rate became 0.00% effective October 1, 2026. The 90-day window for the NY-only $300 direct deposit bonus ($3,000 of qualifying deposits) starts on that date.

Status: verified

Sep 23, 2026: X Premium no longer required to open X Money

2026-09-23T00:00:00Z

Sep 23, 2026: Doctor of Credit reported on 9/23/26 that X Premium or Premium+ is no longer required. By the 2026-09-25 archived rate sheet, the 4.00%/6.00% column read 'No subscription, Basic, or Premium'. The earlier FAQ (2026-09-04) said Money was rolling out 'to U.S. residents with an X Premium or Premium+ subscription'; it now says 'rolling out to U.S. residents'. (Later, non-subscribers were put on a 1% base cash-back rate; see the entry above.)

Status: verified

Sep 22, 2026: 3% exclusion list widened: utilities, Costco-type wholesale clubs, insurance, colleges, jewelry, no-MCC

2026-09-22T00:00:00Z

Sep 22, 2026: Six additions to the Excluded MCCs table: 4900 Utilities; 5300 Wholesale Clubs; 5944 Jewelry Stores, Watches, Clocks and Silverware; 6300 Insurance Underwriting, Premiums; 8220 Colleges, Universities; and any transaction with no MCC. Confirmed by diffing archived official terms (2026-09-02 vs 2026-09-22 07:15 UTC). First public report on USCardForum at 23:59 UTC Sep 21 (6:59 PM CT Sep 21).

Status: verified

Between Aug 21 and Sep 2, 2026: New York residents cut off from APY; $300 NY direct deposit bonus introduced

2026-09-02T00:00:00Z

Between Aug 21 and Sep 2, 2026: FAQ adds 'APY is not currently available to residents of New York' and a NY-only $300 bonus for $3,000 of qualifying deposits in 90 days; existing NY accounts are told interest will end (effective Oct 1, 2026). Same window: the FAQ's availability line changes from 'select U.S. users' to 'rolling out to U.S. residents with an X Premium or Premium+ subscription', and the Sweep Program same-day cutoff moves from 12:00 PM to 9:00 AM EST.

Status: verified (date window only)

Between Aug 7 and Aug 21, 2026: $25 two-day check delivery fee dropped from FAQ fee list

2026-08-21T00:00:00Z

Between Aug 7 and Aug 21, 2026: The FAQ fee list previously included 'Check issuance: $0 for standard delivery, $25 for two day delivery'. That line was removed.

Status: verified (date window only)

By Aug 21, 2026 (exact date unverified): Official exclusion table already includes digital games, arcades, postal, brokerage and other MCCs

2026-08-21T00:00:00Z

By Aug 21, 2026 (exact date unverified): The earliest readable archived copy of the official terms (2026-08-21) lists 22 excluded MCCs, including 5816 Digital Goods - Games, 6532 Payment Transaction: Customer Financial Institution, 7994 Video Game Arcades and 9402 Postal Services - Government Only. These weren't in Doctor of Credit's March 2026 beta list (which DoC later labeled 9/22 'new additions'). We can't verify when they were added between March and August. Earlier archives (July 28 and 31) did not capture readable text.

Status: partial (date unverified)

Between Aug 2 and Aug 7, 2026: Suspension for X Money Acceptable Use violations now ends Money access

2026-08-07T00:00:00Z

Between Aug 2 and Aug 7, 2026: The FAQ originally said only Child Safety or Violent and Hateful Entities suspensions cost you Money access (funds mailed by check). X Money Acceptable Use Policy violations were added to that list.

Status: verified (date window only)

Jul 27, 2026: US rollout to Premium and Premium+ subscribers: 6% APY, 3% cash back

2026-07-27T00:00:00Z

Jul 27, 2026: @XMoney announced the rollout to US Premium and Premium+ subscribers on July 27, 2026. Rate sheet effective 07/27/2026: Premium 4.00% APY (6.00% boosted with $1,000+ Qualifying Deposit in 34 days); Premium+ 6.00% APY. FAQ at launch: 'You'll earn 3% cashback on eligible purchases made with your X Card' and all ATM fees reimbursed. TechCrunch: Premium $8/mo or $84/yr; Premium+ $40/mo or $395/yr.

Status: verified

Mar 13, 2026: Beta: '3% on everything' turns out to have an exclusion list

2026-03-13T00:00:00Z

Mar 13, 2026: During the beta, Doctor of Credit reported that 3% applied to eligible debit purchases with exclusions: fines, government services, funding transactions, real estate, FX or money orders, financial institutions, stamp and coin stores, precious stones and metals, wire transfers and money orders.

Status: verified (third-party report)

Doctor of Credit, Mar 13, 2026