No fine print. No gotcha fees. Just a clear, honest breakdown of every Beem pricing plan, every fee, and every feature, so you can make the right choice for your financial life. 

Why We’re Writing This

If you’ve ever downloaded a financial app only to discover the fee you actually care about buried in paragraph nine of the terms of service, you’re not alone. Hidden fees are the norm in fintech, not the exception.

Beem is different. As a Public Benefit Corporation built to serve everyday Americans: gig workers, shift workers, and the financially underserved, Beem’s entire model is built on the premise that people deserve to know exactly what they’re paying for before they pay it. No surprises.

This guide lays out the Beem pricing in plain English. Every plan. Every fee. Every feature. Every add-on. If you’re asking “Does Beem have hidden fees?”, read this and judge for yourself.

Quick Answer: Does Beem Have Hidden Fees? No. Beem charges a flat monthly subscription fee depending on the plan you choose. The only additional charge is an optional instant transfer fee if you want emergency cash sent to your debit card immediately. Standard (non-instant) transfers are free. There are no late fees, no interest charges on cash advances, and no credit check fees.

Beem’s Four Plans at a Glance

Beem currently offers four subscription tiers. Every plan includes a core set of financial tools. Higher tiers unlock larger emergency cash limits, stronger protections, and lower instant transfer fees.

Feature	Lite $1.99/mo	Basic $3.99/mo	Plus $6.99/mo	Pro $13.99/mo
Emergency Cash (Everdraft™)	Up to $10	Up to $50	Up to $100	Up to $1,000
Instant Transfer Fee	99¢	$4	$4	$2
Job Loss / Disability Protection	Not included	Not included	Up to $500	Up to $1,000
Life Benefit	Not included	Not included	Up to $500	Up to $1,000
Personal Loans Access	✓	✓	✓	✓
Auto Insurance Comparison	✓	✓	✓	✓
Savings (up to 5% APY)	✓	✓	✓	✓
Cashback (up to 10%) — 3,000+ brands	✓	✓	✓	✓
Will & Trust Planning	Not included	✓	✓	✓
Play Games & Earn Cash	✓	✓	✓	✓
Centre Console (Overdraft alerts, bill tracker)	✓	✓	✓	✓
Send Money to Anyone (no bank required)	✓	✓	✓	✓

Note: The “✓” features above are available on all plans. Plan-exclusive features are specified where applicable. Pricing is current as of the last update date above. Always verify at trybeem.com/pricing for the most current information.

Plan-by-Plan Breakdown

Lite: $1.99/month

Beem’s entry-level plan is designed for someone who wants a financial safety net without overcommitting. For less than the cost of a cup of coffee, you get real, usable features.

What you get on Lite:

• Emergency cash via Everdraft™: up to $10, interest-free, no credit check required
• Instant transfer to your debit card for just 99¢ (the lowest instant transfer fee across all plans in dollar terms)
• Access to personal loans to help consolidate debt
• Personalized auto insurance comparison tool
• Up to 5% APY on savings
• Up to 10% cashback at 3,000+ brands via instant gift cards
• Centre Console: proactive overdraft alerts, upcoming bill visibility, personalized offers
• Send money to anyone, including people without the Beem app or a bank account
• Play games and earn real cash rewards

Best for: Someone new to Beem, or anyone who wants the basics of financial protection and smart money tools at the lowest possible cost.

Basic: $3.99/month

The Basic plan ups the emergency cash ceiling to $50 and adds Will & Trust planning, a meaningful feature that most Americans don’t have access to at any price.

What’s added on Basic over Lite:

• Emergency cash via Everdraft™ increases to up to $50
• Instant transfer fee is $4 (slightly higher than Lite’s 99¢, but you’re accessing up to 5x more cash)
• Will & Trust Planning: create unlimited wills, trusts, and directives, valid in all 50 states

Job loss protection and life benefits are not included on Lite or Basic. Those unlock at Plus.

Best for: Someone who wants a bit more financial buffer and values having basic estate planning tools included, something that would cost $100+ a year elsewhere.

Plus: $6.99/month

Plus is where Beem’s protection suite begins. This tier introduces job loss and disability protection, as well as a life benefit, both of which can be financial lifesavers during the hardest moments of life.

What’s added on Plus over Basic:

• Emergency cash via Everdraft™ increases to up to $100
• Job Loss & Disability Protection: claim up to $500 if you lose your job or face total disability
• Life Benefit: your family can claim up to $500, with no underwriting and no medical tests required

Best for: Working Americans, especially gig workers, freelancers, and contract workers, who don’t have employer-provided job loss or life benefits. For $6.99/month, this level of protection is genuinely hard to find elsewhere.

Pro: $13.99/month

Pro is Beem’s flagship plan, and it’s built for the person who wants the most complete financial safety net available. The jump to Pro unlocks the highest emergency cash limit, the lowest instant transfer fee, and doubles the job loss and life benefit coverage.

What’s added on Pro over Plus:

• Emergency cash via Everdraft™ goes up to $1,000, the highest available
• Instant transfer fee drops to $2, actually lower than Basic and Plus, despite the higher plan tier
• Job Loss & Disability Protection increases to up to $1,000
• Life Benefit increases to up to $1,000

Worth noting: On Pro, you’re paying $13.99/month for access to up to $1,000 in interest-free emergency cash. Compare that to a payday loan, which typically charges $15–$30 per $100 borrowed, and the math becomes very clear.

Best for: Anyone who has experienced the stress of a paycheck emergency, or anyone whose income is variable and who wants the strongest possible financial buffer in their pocket.

People Also Read: How Beem Protects Your Money

Beem Fees, Explained Completely

The Monthly Subscription Fee

Beem charges one flat monthly fee based on your chosen plan. That’s it. There are no activation fees, no account opening fees, no annual fees, and no hidden tier upgrade charges.

• Lite: $1.99/month
• Basic: $3.99/month
• Plus: $6.99/month
• Pro: $13.99/month

The Instant Transfer Fee (Everdraft™)

When you access emergency cash through Everdraft™, you have two delivery options:

1. Standard ACH transfer to your bank account: 3 to 5 business days, completely free

2. Instant transfer to your debit card: a one-time per-transfer fee applies

Instant transfer fees by plan:

• Lite: 99¢ per transfer
• Basic: $4 per transfer
• Plus: $4 per transfer
• Pro: $2 per transfer

This fee is optional. If you can wait 3–5 business days, you pay nothing beyond your subscription. The instant fee is only charged when you choose the debit card delivery for speed.

Money Transfers: Sending to Others

Beem lets you send money to anyone, including people without the app and people without a bank account. Recipient delivery options and associated fees:

• Bank-issued debit card: instant delivery, $4 per transfer (paid by recipient)
• ACH to bank account: 3 to 5 business days, free
• Gift cards at 2,500+ retailers: instant, free (coming soon)
• Pre-paid VISA or Mastercard: instant, free (coming soon)

Fees That Do NOT Exist on Beem

To be completely transparent, here is what Beem does not charge: fees that are common on competing platforms:

• No interest on Everdraft™ cash advances (it is not a loan)
• No late fees of any kind
• No credit check fees
• No overdraft fees
• No minimum balance fees
• No account closure fees
• No tip prompts or “voluntary” contribution requests on cash advances (a well-known dark pattern at competitors)

A Note on Competitor Fee Practices Some cash advance apps like Dave, Brigit, and EarnIn use a combination of subscription fees, express delivery fees, and optional “tips” that function like hidden interest. On some platforms, a $20 “tip” on a $100 advance is effectively a 20% fee, never disclosed as such. Beem doesn’t do this. The fee you see is the fee you pay.

Optional Add-Ons: Peace of Mind Plans

Beem also offers optional add-on protection packages called Peace of Mind plans. These are separate from your core subscription and are entirely optional; they add device protection and wellness benefits via AKKO, Headspace, FitOn Pro, and Dashlane.

Add-On Plan	Price/mo	What’s Included
Peace of Mind Lite	$3.99	AKKO phone screen protection
Peace of Mind Basic	$8.99	AKKO screen cover + Headspace + FitOn Pro
Full Device Protection	$7.99	AKKO full device protection
Peace of Mind Plus	$12.99	AKKO full device + Headspace + FitOn Pro
Peace of Mind Pro	$13.99	AKKO full device + Headspace + FitOn Pro + Dashlane

These are optional add-ons. You are never automatically enrolled in a Peace of Mind plan. They are presented as a clear choice within the app, with pricing visible before you commit.

People Also Read: Is Beem Legit?

Understanding Everdraft™: Beem’s Emergency Cash Feature

Everdraft™ instant cash is the centerpiece of Beem’s value proposition, and it’s worth understanding clearly because it is fundamentally different from a payday loan or a traditional cash advance.

How Everdraft™ Works

You access emergency cash up to your plan’s limit: no credit check, no FICO score required. There is no interest charged. Ever. You are not borrowing money in the traditional sense. You repay the advance from your next paycheck automatically. If you want the funds instantly, you pay the one-time instant transfer fee. If you can wait, you pay nothing extra. 

Everdraft™ Limits by Plan

• Lite: Up to $10
• Basic: Up to $50
• Plus: Up to $100
• Pro: Up to $1,000

The limit you’re eligible for may vary based on your account history and usage patterns within Beem. The amounts above are the maximum available at each tier.

Real-World Example: Is Pro Worth It? Say you’re on the Pro plan at $13.99/month and you access $500 through Everdraft™ in an emergency. You choose instant delivery to your debit card, which incurs a $2 fee. Total cost to you: $15.99 that month. A payday loan for $500 would typically cost $75–$150 in fees alone, and require repayment in two weeks with interest. Beem’s model is a different category entirely.

Which Beem Plan Is Right for You?

There is no single right answer. It depends on where you are financially and what you need most. Here’s a simple decision framework:

Choose Lite ($1.99/mo) if:

• You want to try Beem at minimal cost
• Your emergency cash needs are modest (under $10)
• You primarily want the savings, cashback, and money-sending features

Choose Basic ($3.99/mo) if:

• You want more emergency cash headroom (up to $50)
• You want will and trust planning included, especially useful if you have dependents
• You want a comprehensive financial tool set at a very low monthly cost

Choose Plus ($6.99/mo) if:

• You are a gig worker, freelancer, or contract worker without employer benefits
• You want job loss and disability protection, up to $500
• You want a life benefit for your family, up to $500, with zero medical requirements
• You want a larger emergency cash buffer (up to $100)

Choose Pro ($13.99/mo) if:

• You live paycheck to paycheck and need the maximum financial safety net
• You want up to $1,000 in interest-free emergency cash on demand
• You want the strongest job loss and life benefit protection Beem offers
• You want the lowest instant transfer fee ($2) for faster access to funds

Why the Beem Pricing Model Is Designed Around Trust

Beem is a Public Benefit Corporation. That designation is not a marketing label; it is a legal commitment to operate in the interest of a broader mission, not purely profit. In Beem’s case, that mission is financial equity for the bottom 80% of working Americans who are underserved by traditional banking and exploited by predatory fintech. That mission shapes the pricing model in real ways:

1. Flat subscription fees instead of percentage-based advance fees, which would disproportionately punish people who need more money.

2. No interest on emergency cash, because Beem is not a lender extracting compounding revenue from financial stress.

3. No tip prompts, because manufactured “voluntary” fees are a dark pattern that harms the people fintech claims to serve.

4. Transparent, tiered pricing, so users can choose the level of protection that matches their actual situation.

Over 5 million Americans have trusted Beem. That number doesn’t grow through hidden fees; it grows through transparency, fairness, and delivering real financial value.

The Bottom Line

The Beem pricing is straightforward by design. One monthly fee. One optional instant delivery fee. No interest. No late charges. No tips. No traps. For anyone who has been burned by hidden fintech fees before, that’s not a small thing. It’s the whole thing.

Whether you’re a gig worker who needs an emergency cash buffer between paychecks, a shift worker building credit for the first time, or someone simply looking for a financial app that respects you enough to be honest about its costs, Beem’s pricing is built for you.

Ready to choose your plan? Visit our pricing page or download the Beem app to get started.

Frequently Asked Questions About Beem Pricing