No credit check. No interest. No hidden fees on the Free plan, ever. Pro is a flat subscription — pay it once a year, monthly, or one-time for life.
For drivers and dashers earning their first $500/week, or anyone who wants to try Kronos with zero commitment.
Recommended for: drivers doing under $400/week
For full-time gig workers and multi-app drivers who advance more than once a month or want zero crypto fees.
Recommended for: drivers doing $400+/week
Pay once. Use Pro forever. Capped at the first 5,000 founding members — once full, this tier never reopens.
Recommended for: lifers who plan to gig 2+ years
| Feature | Free | Pro |
|---|---|---|
| Cash advance limit | $250 | $1,000 |
| Advance fees | $0 | $0 |
| Advance interest | 0% | 0% |
| Credit check | None | None |
| Crypto trading fees | 1% per trade | 0% |
| Crypto assets supported | 30+ | 30+ |
| Savings APY | 0.50% | 2.50% |
| Card cashback rate | 0.25% | 0.50% on gas + food, 0.25% other |
| Cashback cap | $25/month | Uncapped |
| P2P transfer limit | $500/month | Unlimited |
| P2P speed | Standard (instant) | Instant |
| Gig-platform auto-sync | 3 platforms | All 8 platforms |
| Customer support | Email, business hours | 24/7 priority chat |
| Early-access features | No | Yes |
| Founders Lifetime tier | N/A | $199.99 once (capped at 5,000) |
You drive part-time, you advance once or twice a month at most, and you don't need a savings goal. The Free tier covers the basics with zero strings.
Pick: Free
You're testing Pro for the first time after the 3-month claim, you want flexibility to cancel, or your earnings vary and you'd rather not pre-pay a year.
Pick: $9.99/month
You drive 4+ days a week and know Kronos will be your daily driver for at least the next year. Annual saves about 17% — two months free vs. monthly.
Pick: $99.99/year
You're going long on gig work, you hate recurring charges, and you want to lock in today's price before the cap fills. Pays back in under 2 years vs. annual.
Pick: $199.99 once
Yes — the Free tier is free forever. It includes advances up to $250 based on your gig earnings, basic cashback (0.25%), and a $500/month P2P cap. You only need Pro if you want larger advances ($1,000), zero crypto fees, 2.5% APY savings, or unlimited P2P.
$9.99 per month, $99.99 per year (saves about 17% — two months free), or $199.99 lifetime (one-time, capped at the first 5,000 founding members). All prices in USD. Pro is billed through your Apple ID.
Yes. Pre-launch waitlist members can claim 3 months of Pro free at /claim-pro. After the 3-month period ends, Pro auto-renews at $9.99/month unless you cancel beforehand. You can switch to annual or lifetime at any time inside the iOS app.
Cancel anytime in iPhone Settings → [your name] → Subscriptions → Kronos Pro → Cancel Subscription. There is no fee to cancel and no minimum commitment. Cancellation takes effect at the end of the current billing period — you keep Pro access until then. Cancel at least 24 hours before the trial ends to avoid being charged.
No — Kronos performs no credit checks for either Free or Pro. Your subscription is billed through Apple ID, and your advance limit is determined by your gig-platform earnings, not your credit score.
The 3-month free Pro period ends and the monthly subscription begins at $9.99/month. Apple will send you a renewal reminder 24 hours before the first charge. To avoid the charge, cancel at least 24 hours before the trial ends.
Every Pro feature, forever, for a one-time $199.99 payment. No recurring billing, no renewals, no price increases. The tier is capped at the first 5,000 founding members — once filled, it will not be reoffered. Includes a founding-member badge and priority feature-request access in our Discord.
For most full-time gig drivers, yes. A single $500 advance saves you ~$35 in NSF fees vs. a typical bank overdraft. A driver spending $400/month on gas earns ~$24/year in extra cashback on Pro vs. Free. Pro pays for itself within ~6 weeks of normal use for an active driver.
Banking deposits are FDIC-insured up to $250,000 through our partner bank. Crypto held in your Kronos wallet is non-custodial via Bridge — you own the keys. Crypto is not FDIC-insured, but it also can't be frozen by a third party. See our security page for the full breakdown.
Auto-renewal. Kronos Pro is a subscription. After the free 3-month period, Pro auto-renews at $9.99/month, $99.99/year, or remains permanent on Lifetime. Apple charges your iCloud-billed payment method 24 hours before each renewal. You can switch tiers any time in-app.
How to cancel. No fee to cancel, no minimum commitment. On iPhone, open Settings → [your name] → Subscriptions → Kronos Pro → Cancel Subscription. Cancellation takes effect at the end of the current billing period. To avoid being charged at the end of the free trial, cancel at least 24 hours before the trial ends.
Refunds. All refunds for App Store purchases are handled by Apple under their standard refund policy. Request a refund via reportaproblem.apple.com or follow support.apple.com/HT204084. Kronos cannot issue refunds for App Store transactions.
Disclosures. Kronos is a financial-technology product, not a bank. Banking services provided by partner institutions; deposits FDIC-insured up to the applicable limit through partner banks. Crypto, advance, and savings products subject to eligibility and applicable terms. Prices in USD; international Apple App Store pricing may differ per Apple's local pricing tiers. See Terms of Service and Privacy Policy for the full agreement. Machine-readable: /pricing.md.