30 days
A single month, useful for one trip.
Mo Plus
Lower Mo fees. More Mo Points.
Mo Plus is a fixed membership term, not a subscription. It does not renew automatically. A new purchase extends your current term.
Terms
Two lengths. Buy either, as often as you like.
$5
360 days
Best valueThe better value if you use Mo regularly: $10 less than buying twelve short terms.
Free vs Plus
What changes when you upgrade.
BenefitFreeMo Plus
Travel Points on stays, flights and eSIMs
5 pts per $110 pts per $1Moving money out to a bank
1%0.5%Trade
0.1%No Mo feeMoving money cross-chain
0.1%No Mo feeMo Points apply to the cash-paid portion of eligible Travel purchases made in the Mo app with a Mo account. Mo Plus add-ons and web purchases do not qualify.
Paying
USDC, points, or a mix.
Mo Plus is available from the membership screen with USDC, Mo Points, or a mix. The 30 days add-on offered in Travel checkout is USDC-only.
Policy
How terms and refunds behave.
Terms stack. A new purchase starts when your current term ends.
Nothing renews automatically. Mo Plus lapses unless you buy another term, so there is no cancellation to remember.
One full refund is available within 3 days of purchase per rolling year. Other early exits are prorated across either term.
Questions about Mo Plus.
Prices, terms, benefits, and what happens if you leave.
What is Mo Plus?
Mo Plus is a paid membership with a fixed term. It lowers Mo fees on eligible Money actions and increases the Travel Points rate. Without it, you are on Free.
How much does it cost, and how long does it last?
$5 for 30 days or $50 for 360 days. Pay with USDC, Mo Points, or both on the Mo Plus screen. It never renews on its own. Buying again adds time to your current term.
What does Mo Plus include?
Mo Plus removes Mo’s integration fee on eligible Trade and cross-chain transfers, halves the Mo fee on bank withdrawals, and opens transfers into Earn Plus. It increases your Travel Points rate; Travel Points have no daily cap. Mo Plus Trade Points have a separate cap of 100 per UTC day. Provider and network costs still apply.
Can I pay with points?
Yes. On the Mo Plus screen, each point is worth $0.01, used alone or with USDC. Buying Mo Plus does not give you points back.
What if I leave early?
Ending Mo Plus refunds every term you still hold, including stacked terms, in the original mix of USDC and Mo Points. A full refund is available once per rolling year: on that qualifying exit, each term purchased within the last 3 days is refunded in full. Older terms, and terms refunded on later exits, are prorated for unused time, retaining at least 10% of list price or one day per term, whichever is greater.