Pricing
Transparent pricing for Free and Mo Plus.
Adding money, deposits and withdrawals on Base, and sends between Mo users are free. Moving money out to a bank is 1%, halved to 0.5% with Mo Plus. Trade and cross-chain moves drop to nothing on Mo Plus.
Fees and included costs
Money in via bank
Adding money from a bank account costs nothing.
Money out via bank
Charged on the amount leaving Mo, and halved on Mo Plus.
Deposit and withdraw on Base
No Mo fee to move money in or out on Base, including sends between Mo users.
Cross-chain moves
Depositing from another chain, or withdrawing to one.
Trade
A flat conversion fee with no hidden spread, for crypto, tokenized stocks, and currency.
Borrow
No loan origination fee. Interest accrues at the market borrow rate.
Mo Earn
No fee on your principal. Vault fees are reflected in net rates; check the selected vault for its terms.
Stays, flights, and eSIMs
Stays have no Mo-added fee. Mo fees for flights and eSIMs are included in the price shown before you pay.
Free is not a trial. It has no time limit and no card on file.
Points
What you collect back.
One point is worth $0.01. Points can be redeemed at Travel checkout, against the bank withdrawal fee, and toward Mo Plus.
Stays, flights, and eSIMs
Mo Plus
Two fixed terms. Nothing renews on its own.
Exit and refunds
Non-renewing terms. Exit anytime in the app.
Mo Plus is a fixed USDC term, it does not auto-renew and is not an App Store subscription. Exit in the app to end your latest term: full refund within the first days after purchase, then prorated for unused time. Earlier stacked terms stay until you exit again.
Mo Plus policy detailsOperational infrastructure
