Pricing

B9 Fees & Membership Plans

⚡ Fees in 30 seconds

B9 charges a monthly membership (~$5.99–$19.99) instead of interest.
Instant transfers to an outside bank cost extra; standard transfers are free.
Large monthly deposits (~$5k+) can get the membership fee waived.

Last updated July 16, 2026 · Fact-checked against B9's live app listings ✓ Verified Jul 2026

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B9 doesn't charge interest. Instead it charges a monthly membership, plus optional fees for instant transfers. Here's the full cost picture — and how to pay less.

Pricing changes oftenB9 has revised its plan names and prices multiple times. The figures below reflect recent app-store listings, but you should always confirm the live price inside the B9 app before subscribing.

Membership plans

Plan	Monthly fee	Advance ceiling	Notable extras
Basic	$5.99–$11.99	Up to $250	Debit cashback, instant B9-to-B9 transfers, free ACH
Premium	$19.99*	Up to $1,000	Higher limits, credit monitoring & score tools

*Premium has also been offered at a reduced effective rate when paid annually. The Basic tier has appeared at different prices and advance caps across listings, which is why we show a range.

How to avoid the monthly fee

B9 has waived the membership fee for members whose total direct deposits are large — reported around $5,000 per month, and deposits from multiple employers can count. If your paycheck already runs at that level, Premium can effectively cost nothing.

Instant-transfer fees

Getting your advance instantly to an external bank or card costs an optional fee. You can avoid it two ways: spend directly from your B9 debit card, or use a free standard ACH transfer that lands in about 1–3 business days.

Fees people miss

Sending your own money out: some users report charges when moving funds to external wallets like Cash App or to Apple Pay. Read the in-app fee schedule.
Membership in idle months: the subscription bills whether or not you take an advance, so occasional users pay for access they don't use.

Is the fee worth it?

Spread across regular use — advances, the debit cashback, and everyday banking — the membership can be reasonable. For a one-off advance, a no-subscription app is usually cheaper. See our cost comparison in B9 vs Dave and the full alternatives roundup.

Frequently asked questions

How much does B9 cost per month?

B9 charges a monthly membership, commonly in the $5.99–$19.99 range depending on plan. Prices have changed over time, so verify the current cost in the app.

Can I use B9 for free?

B9 has waived the monthly fee for members with large recurring direct deposits (reported around $5,000/month). Otherwise the membership is required to access advances.

Does B9 charge interest or late fees?

No. B9 advertises no interest and no late fees. Its revenue comes from the monthly membership and optional instant-transfer fees.

Why was I charged to send my own money?

Some users report fees for instant external transfers or moving funds to third-party wallets. Standard ACH transfers are free but slower; check the in-app fee schedule before sending.