Pricing

We don't charge for our best ideas

KLYR Core is free — including Insight and Breathing Room. One optional membership adds power-user tools. Everything else stays transparent.

KLYR Core

$0/ month

The account that puts you in control. Everything you actually need to manage your money confidently.

Get started

Always $0

  • Account opening
  • Monthly maintenance
  • Minimum balance
  • Direct deposit
  • ACH transfers
  • Bill pay
  • Debit card
  • Card controls
  • KLYR Insight
  • KLYR Shield
  • Standard Undo
  • Transaction alerts
  • Overdraft fees
  • Returned-payment fees
  • Account closure

KLYR Plus

Power user

$8.99/ month

For people who want more control.

Choose KLYR Plus

Everything in Core, plus

  • Extended Undo protection
  • Advanced KLYR Insight
  • Advanced forecasting
  • Custom financial rules
  • Advanced KLYR Shield controls
  • Priority human support
  • Premium card designs
  • Family / household tools
  • Enhanced rewards
  • Early access to new features

Fees, in plain sight

A few optional services carry a fee. We show every one of them here — no surprises buried in a transaction.

Standard ATM withdrawal$0*
Out-of-network ATMPass-through fee
Standard physical card$0
Expedited card$15
Standard ACH$0
Instant transfer1.5%**
Foreign transaction fee$0
Overdraft$0
Returned payment$0

* Subject to network availability / partner economics.

** Subject to final payment-partner economics and applicable limits.

If Breathing Room is what makes KLYR special, it should never sit behind a paywall.

$0 overdraft. $0 foreign transaction fees. No fee for our best ideas. That's the whole point.

Open a free KLYR Core account

Prototype pricing — illustrative only. Final fees, rewards and instant-transfer economics will be confirmed with KLYR's banking and payment partners before launch. Not a live banking agreement.