X Money 6% APY premium just hit inboxes for X Premium and Premium+ subscribers, but the rates aren't uniform across the board.
Invites started landing this week, and I received one for Premium Plus. That unlocked the full Premium Plus 6% APY right away, plus a sign-up bonus. The spread is straightforward once you check the fine print: regular Premium users start at 4% APY, while X boosted direct deposit of $1,000 or more in a trailing 34-day window pushes it to 6%. Premium Plus users skip the deposit requirement and get Premium Plus 6% APY outright.
What changed with X Money APY rates
The platform tied the top rate to subscription tier and activity. If you're only on basic Premium, you'll need that X boosted direct deposit to match the highest X Money APY rates. Premium Plus removes the hurdle entirely. I ran the numbers on my own account and the difference adds up fast once you factor in the debit card rewards too.
Why Tesla owners should care
Many of us use high-yield accounts to park cash between vehicle orders or accessory purchases. The new X Money 6% APY premium structure makes it easier to offset some of the cost of owning a Tesla if you're already paying for X Premium or Premium Plus. Check your X app notifications first—invites are still going out in waves.
For the full breakdown and early invite details, see this update on X Money invites. Watch the video for the exact screens I saw when the offer appeared: https://youtube.com/watch?v=GIVu1NNG50E
Bottom line
If you already subscribe to Premium or Premium Plus, open the app and look for the invite. The X Premium 6% interest tier is live for Premium Plus users immediately and reachable for Premium users who set up X boosted direct deposit. Rates can change, so verify in your account before moving money.
