Banking That Moves With You
Choose the account that fits your life. Start free, scale up when you're ready, or go Elite for the full EXPI experience — private jet and all.
Early Adopter
Then moves to Private plan
Lock in zero fees for your first year. Exclusively for our founding community — the first 5,000 people who believe in the future of mobility banking.
EXPI Private
Billed monthly · cancel anytime
A full-featured private bank account with everything you need to move, spend, and earn — globally.
EXPI Elite
Billed monthly · cancel anytime
The ultimate mobility banking experience. Free global transactions, concierge service, and exclusive access to the world's finest travel and experiences.
Be One of the First 5,000
The EXPI Early Adopter Programme is our way of rewarding the community that believed in us first. Join before we hit 5,000 members and lock in a full year of zero-fee banking — no catches, no fine print.
5,000
Spots Available
founding members only
12 mo
Fee Duration
of zero-fee banking
5%
Cashback
in EXPR on all mobility
15%
Staking APY
EXPR token rewards
EXPI Elite — Unlimited Everything
For those who move globally and demand the best. Zero fees on every transaction, everywhere. A dedicated team behind you. The world as your playground.
Free Global Transactions
Zero fees on every card transaction globally — in any currency, in any country. No surprises on your statement.
Private Jet & Yacht Access
Book private jets, helicopters, and superyachts directly through the EXPI app. Concierge team handles everything.
Dedicated Relationship Manager
A real person, available for you. Manage accounts, plan travel, resolve issues — your personal banking concierge.
18% APY Staking
Earn the highest EXPR staking yield on the platform. Elite members get maximum DeFi rewards, automatically.
Exclusive Rewards
Redeem EXPR for safari experiences, Tesla day passes, luxury hotel suites, and curated global experiences.
Elite KYC — No Limits
Unlimited wallet balance, unlimited monthly spend, unlimited transfers. Full private banking without the bureaucracy.
Compare Plans
Every detail, side by side.
| Feature | Early Adopter Free · 12 months | EXPI Private $9.99/mo | EXPI Elite $99/mo |
|---|---|---|---|
| Monthly fee | Free (12 mo) | $9.99/mo | $29.99/mo |
| Accounts | Private & Business | Private & Business | Unlimited |
| Virtual Visa card | |||
| Physical Visa card | — | ||
| Currencies | 8+ | 8+ | 30+ |
| Monthly spend limit | $2,000 | $10,000 | Unlimited |
| International transfers | Standard fee | Included | Free |
| FX fees | Competitive | Reduced | Zero |
| EXPR staking APY | 15% | 15.5% | 18% |
| Mobility cashback | 5% | 5% | 8% |
| Move-to-Earn | |||
| Priority support | — | ||
| Relationship manager | — | — | |
| Private jet & yacht access | — | — | |
| Concierge service | — | — | |
| Exclusive rewards | — | — |
Common Questions
What happens after my 12 free months?
You automatically move to the EXPI Private plan at $9.99/mo. We'll send you a reminder 30 days before. You can upgrade to Elite or cancel at any time.
What is a SAFE agreement in this context?
SAFE (Simple Agreement for Future Equity) refers to our investor programme. Your membership plan is separate — no investment required to bank with EXPI.
Can I upgrade or downgrade at any time?
Yes. You can move between Private and Elite plans at any time. Changes take effect at the start of your next billing cycle.
Are there any hidden fees?
No. Early Adopters pay zero fees for 12 months, period. Private and Elite plans are fully transparent — what you see is what you pay.
What currencies does EXPI support?
8+ currencies at launch (AUD, USD, EUR, GBP, AED, ZAR, SGD, and more). Elite members get access to 30+ currencies as we expand globally.
How does the EXPR token staking work?
Deposit EXPR tokens into your staking vault and earn between 15–18% APY depending on your plan. Rewards are paid in EXPR and can be redeemed in the marketplace.