> For the complete documentation index, see [llms.txt](https://docs.bankly.cc/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.bankly.cc/getting-started/membership.md).

# Membership

Every Bankly account starts with a membership tier. Your tier decides which card you carry, how high your limits go, what you pay on currency conversion, how much cashback you earn, and the level of support you receive.

There are five tiers. Four are annual memberships that scale up as you grow. One — The Private Club — is a single-card option with no identity verification.

{% hint style="info" %}
One account works everywhere. The same email and password sign you in on the [iOS app and Telegram mini-app](/getting-started/sign-up.md), and your tier follows you across both.
{% endhint %}

## The five plans

* **The Basic Club — Free.** The starting tier. Verify your identity, issue a card, and spend from your Bankly balance.
* **The Plus Club — $99 / year.** Higher limits, lower currency-conversion fees, and more cashback than Basic.
* **The Premium Club — $249 / year.** Higher limits and cashback again, with priority support.
* **The Black Club — $999 / year.** Bankly's top annual tier: the highest limits, the lowest fees, the most cashback, and Concierge support.
* **The Private Club — $25 per card.** A pay-per-card option with **no identity verification**. Account and spending limits of $10,000 per month and a 2.25% currency-conversion fee.

## Compare plans

| Plan             | Price       | Identity check | Card         | Cashback          | Account limit   |
| ---------------- | ----------- | -------------- | ------------ | ----------------- | --------------- |
| The Basic Club   | Free        | Required       | Virtual card | Standard          | Standard        |
| The Plus Club    | $99 / year  | Required       | Virtual card | More than Basic   | Higher          |
| The Premium Club | $249 / year | Required       | Virtual card | More than Plus    | Higher still    |
| The Black Club   | $999 / year | Required       | Virtual card | Highest           | Highest         |
| The Private Club | $25 / card  | None           | Virtual card | 0.5% USDC + 1% XP | $10,000 / month |

{% hint style="info" %}
Issue a virtual card instantly on any tier. Physical cards ship in Q4 2026. See [About the Bankly Card](/card/about-bankly-card.md).
{% endhint %}

## How the paid tiers scale

The more you commit to an annual plan, the more you get back. As you move up from Plus to Premium to Black:

* **Limits go up** — higher account and spending limits each step.
* **Fees go down** — a lower currency-conversion (FX) fee on international spend.
* **Cashback goes up** — a higher cashback rate on eligible spend, paid in USDC and XP.
* **Support gets stronger** — higher tiers add priority support, and the top tiers include **Concierge**.

Cashback is always paid as USDC plus XP. The XP you earn powers your levels and unlocks rewards over time. See [Cashback & XP](/getting-started/cashback.md).

## The Private Club

The Private Club is built for people who want a Bankly card without going through identity verification.

* **$25 per card** — pay once per card you issue.
* **No identity check** — no KYC required to get started.
* **Account limit:** $10,000 per month.
* **Spending limit:** $10,000.
* **Currency-conversion fee:** 2.25%.
* **Bank transfer:** not available on this tier.
* **Cashback:** 0.5% in USDC plus 1% in XP on eligible spend.

{% hint style="warning" %}
The Private Club does not include identity verification, so bank transfers are not available and limits are capped at $10,000. If you need higher limits, lower fees, or bank transfers, choose one of the annual tiers and verify your identity.
{% endhint %}

## Join or upgrade

You can pick or change your tier from inside the app at any time.

1. Open the **Bankly app** (iOS or Telegram) and go to the **Membership** section.
2. Review the five tiers and what each one unlocks.
3. Select the plan you want — an annual club or The Private Club.
4. Confirm and pay the membership fee from your Bankly balance.
5. Your new tier, limits, and benefits apply right away.

{% hint style="success" %}
Upgrading takes effect immediately — your new limits, fees, and cashback rate are live the moment your payment confirms.
{% endhint %}

New to Bankly? Start with [Creating your account](/getting-started/sign-up.md), then come back to choose the tier that fits you.


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.bankly.cc/getting-started/membership.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.