Pricing
Start free and upgrade when you want more. Every plan includes 24/7 support and no overdraft fees.
Prices in USD. Cancel or switch plans anytime.
Showing monthly prices.
For getting started with everyday banking.
Free, forever
For people who want more from every dollar.
Billed monthly
Everything in Essential, plus:
For small teams that run on shared money.
Billed monthly
Everything in Plus, and:
Prices and rates are illustrative. Elvaris holds no deposits.
Compare plans
The full list, so you can see exactly what each plan includes before you choose.
Monthly prices, billed monthly | |||
| Accounts | |||
| Checking account | Included | Included | Included |
| Minimum balance | None | None | None |
| Overdraft fees | None | None | None |
| Early direct deposit | Up to 1 day early | Up to 2 days early | Up to 2 days early |
| Team members and roles | Not included | Not included | Unlimited |
| Accounting export | Not included | Not included | Included |
| Business line of creditSubject to approval | Not included | Not included | Up to $250,000 |
| Cards | |||
| Debit card | Included | Included | Included |
| Instant freeze and spend limits | Included | Included | Included |
| Virtual cards | Up to 5 | Unlimited | Unlimited |
| Sky Card review2% back, no annual fee | Standard | Priority | Priority |
| Team cards | Not included | Not included | Up to 50 |
| Card replacement | Free | Free | Free |
| Payments | |||
| Transfers to Elvaris members | Free, instant | Free, instant | Free, instant |
| ACH transfers | Free | Free | Free |
| Outgoing domestic wires | $10 each | Free | Free |
| Incoming wires | Free | Free | Free |
| International transfers40+ currencies, 150+ countries | 0.5% FX fee | No FX markup | No FX markup |
| Bill pay with approvals | Not included | Not included | Included |
| Invoicing | Not included | Not included | Included |
| Savings | |||
| Savings rateVariable, illustrative | 4.10% APY | 4.10% APY | 4.10% APY |
| Savings Vaults | 3 | Unlimited | Unlimited |
| Automatic round-ups | Included | Included | Included |
| Support | |||
| Real people, 24/7 | Included | Included | Included |
| Chat, phone and email | Included | Included | Included |
| Priority support | Not included | Included | Included |
| Dedicated onboarding | Not included | Not included | Included |
On every plan
No fine print and no small charges that add up. These cost $0 at Elvaris, from your first day to your last.
Monthly maintenance: $0.
Essential is free, for as long as you bank with us.
Overdraft: $0.
We decline the payment instead of charging you.
Minimum balance: $0.
Keep $5 or $500,000. Same account, same price.
Incoming wires: $0.
Money coming in should never cost you.
ACH transfers: $0.
Free in and out, on every plan.
Card replacement: $0.
Lost or worn out, a new one ships free.
Foreign transactions (Sky Card): $0.
Tap to pay abroad without the extra 3%.
Account closing: $0.
Leave whenever you like. No exit fee.
I switched to Plus for the free wires and stayed for the calm. One clear price each month, and nothing hiding underneath it.
FAQ
Straight answers on billing, switching and what changes when you do.
Contact supportYes, anytime from Settings. Upgrades start right away and we only charge for the days left in your billing period. Downgrades take effect at the end of the period you've already paid for.
No. Every plan is month to month, or year to year if you choose annual billing. You can cancel or change plans whenever you like, with no exit fee.
You keep your paid features until the end of the current period. After that, extra Vaults are merged into your main savings and nothing is deleted. Your balance, history and cards stay exactly as they are.
You pay for twelve months up front and save 20%. Plus comes to $115.20 a year ($9.60 a month) and Business to $336 a year ($28 a month). If you cancel, we refund the unused months.
Yes. Business includes everything in Plus, like free domestic wires and no FX markup, and adds team cards, roles, bill pay approvals, invoicing and accounting export.
Open an Essential account in minutes, then move to Plus or Business whenever you're ready. No contracts, ever.