Bnine membership plans
You need a paid Bnine membership to request advances. There are two plans.
| Included | Basic, $9.99/mo | Premium, $19.99/mo |
|---|---|---|
| Advance limit per pay period | Up to $250 | Up to $1,000 |
| B9 Visa debit card cashback | Up to 5% | Up to 5% |
| Instant transfers between B9 members | Free | Free |
| B9 Play & Earn | Yes | Yes |
| Immediate fund access | No | Yes |
| Credit monitoring | No | Yes |
| Priority support | No | Yes |
| Other billing options | No | $35.97 every 3 months, or $6.99/mo billed yearly ($83.88) |
| Fee waiver | $0 with $5,000+ monthly deposits | $0 with $5,000+ monthly deposits |
Other Bnine fees to know
- Instant transfers out: optional fees apply when you push money instantly to a debit card, Cash App or Venmo. One user reported paying about $4 to move funds between their own accounts.
- ATM and outside transfers: some users report fees for ATM withdrawals and transfers to PayPal and other apps. Check the fee schedule in the app before you rely on it.
- No interest, late fees, overdraft fees or minimum balance on the B9 account or the advance.
Beware of outdated Bnine prices
Review sites quote several different Bnine prices, including $5.99 and $11.99 for Basic and a $100 to $500 limit. B9's current published prices are $9.99 for Basic and $19.99 for Premium, with Premium falling to $6.99 a month on yearly billing. Always confirm in the official B9 app on the day you sign up, since plan pricing has changed several times.
Basic or Premium: which is cheaper for you?
On a month-to-month basis Basic is cheaper: $9.99 against $19.99. But Premium billed yearly works out to $6.99 a month ($83.88 a year), which is less than Basic's $119.88 a year and comes with the higher $1,000 ceiling. The catch is paying $83.88 up front and committing for 12 months. If you are not sure you will keep B9, start on Basic. If you deposit $5,000 or more a month, you pay nothing on either plan. Run your own numbers in the Bnine advance cost calculator.
Frequently asked questions
How much does Bnine cost per month?
Basic costs $9.99 per month. Premium costs $19.99 per month, $35.97 every three months, or $6.99 per month billed yearly. B9 waives the fee if you direct-deposit $5,000 or more a month.
Does Bnine charge a fee for each advance?
There is no per-advance fee for standard delivery. Optional instant transfer fees apply if you want funds sent instantly to an outside card or app.
Can I use Bnine for free?
You need a paid membership to request advances. The account itself has no minimum balance or overdraft fees.