XMoney benefits reduced again starting December 1, cutting the 6% interest tier to just $150,000 in deposits.
This XMoney December update hits after the company made XMoney subscription changes that let anyone sign up for free and still earn 4% annually. Paid subscribers keep the higher rate but now face a hard cap.
What Changed With the XMoney December Update
Anyone eligible through the paid plan earns the XMoney 6% interest rate on balances up to $150,000. Anything above that drops to 4%. ATM fees get reimbursed at $4 per transaction, limited to two times per month.
I tested the XMoney ATM reimbursement while in Japan using 7-Eleven machines and it worked without issues. Getting cash abroad stayed simple and reliable.
What It Means for Tesla Owners
Most of us keep far less than $150,000 in the account, so the XMoney 6% interest rate still applies to everyday balances. The new XMoney subscription changes remove the paywall for basic access, which helps newer users.
Still, the pattern is clear: perks shrink as the user base grows. The latest round of XMoney benefits reduced again shows the company is dialing back rewards gradually.
Bottom Line
If you already use XMoney, the December 1 adjustments are straightforward but worth noting before they take effect. Track your balance against the $150,000 threshold and the two-ATM monthly limit.
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Watch the full breakdown here: https://youtube.com/watch?v=rE5KGzxMJxc
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