Can I use OneSafe without a Plan or without paying? Why did I get charged the monthly fee?

Last updated: April 16, 2026

Yes! You can avoid platform fees by maintaining a minimum average monthly balance in your Stables account.

Balance requirements by plan:

  • Plus plan: $10,000 USD average monthly balance

  • Pro plan: $35,000 USD average monthly balance

How it works

When you maintain the required balance for a full billing month, credits are automatically applied to your account. These credits are used to cover your platform fee at the next payment date.

As long as you maintain the minimum balance, no platform fees are charged.

To check your billing status, go to Plans and Billing or see how to navigate there.

Important: Only balances in your Stables account count toward this minimum. Card account balances are not included.