White
Free basic access
Free
- Free with every account
- $5 minimum monthly balance
- Reusable rotating Coconut card
- 1% cashback at retailers
- Coconut Social + full site access
Coconut Membership
One membership.
Every Coconut.
White is free and unlocks Coconut Social, the Coconut Pay account, and the entire site. Keep a $5 minimum monthly balance to keep the account active with no monthly service fee. Paid tiers — Gold through Pearl — add free shipping, cash back, travel credits, lounge access, and concierge, with a companion Pay card that matches your tier.
Featured plans
Three ways to Coconut.
Titanium
Elevated everything
$299/ yr
- 2-day free shipping
- 7% cashback
- Unlimited lounge passes
- $300 travel credit
- 24/7 concierge
- 0% foreign transaction fee
Black
Signature, white glove
$499/ yr
- Overnight free shipping
- 10% cashback
- Unlimited lounge, worldwide
- $600 travel credit
- 24/7 dedicated concierge
- All wire fees waived
Compare tiers
Every benefit, side by side.
| Benefit | White | Titanium | Black |
|---|---|---|---|
| Price / month | Free | $29.99 | $49.99 |
| Price / year | Free | $299 | $499 |
| Coconut Social + Web | ✓ | ✓ | ✓ |
| Free shipping | — | 2-day | Overnight |
| Cash back at retailers | 1% | 7% | 10% |
| Restaurant discount | — | 20% | 25% |
| Travel credit / yr | — | $300 | $600 |
| Wireless data boost | — | Unlimited | Unlimited |
| Lounge passes | — | Unlimited | Unlimited |
| Concierge | — | 24/7 | 24/7 dedicated |
| Companion Pay card | White | Titanium | Black |
Schedule of fees
Fees by tier.
Applies to the Coconut Pay account and card linked to your membership. Fees in U.S. dollars; may update with 30 days' notice. See Terms for full disclosure.
| Fee | White | Titanium | Black |
|---|---|---|---|
| Annual membership | Free | $299 | $499 |
| Monthly membership | Free | $29.99 | $49.99 |
| Domestic ATM withdrawal | $2.50 | Free | Free |
| International ATM | $5.00 | Free | Free |
| Foreign transaction | 3% | 0% | 0% |
| Outgoing domestic wire | $25 | $10 | Free |
| Outgoing international wire | $45 | $25 | $15 |
| Incoming wire | $15 | Free | Free |
| Same-day ACH | $3 | Free | Free |
| Standard ACH | Free | Free | Free |
| Stop payment | $30 | $10 | Free |
| Returned item (NSF) | $30 | $10 | $10 |
| Card replacement, standard | $5 | Free | Free |
| Card replacement, expedited | $25 | Free | Free |
| Paper statement | $3 | Free | Free |
| Overdraft coverage | $34 | Free | Free |
Join free. Upgrade any time.
Every Coconut account starts on White when you sign up, with a Coconut card. Keep a $5 minimum monthly balance and there are no monthly service fees. Move up whenever the perks are worth it — all the way to Pearl for business.