Billing & Personal AI Credit
Understand your personal balance, school payment requests, per-operation allowances, membership rates, and Cards access.
Personal balance and school billing
In Wallet (/platform/billing), the header explains:
"Here you manage your personal plan and your AI credits. Your school pays for your lessons at school."
The AI credit section clarifies: "This is your personal balance. You can spend it on AI features and on making personal lessons."
Your personal AI Credit balance is account-level value for AI and Marketplace activity that you pay for yourself. It is separate from:
- subscription allowances, which reset with your current membership period;
- school AI Credits, which belong to an organization and can fund school-paid activity; and
- your school's payment ledger managed by your school. (On the Me screen, the My balance card shows your school lesson balances; you can fold or unfold it by clicking its header row, and the platform remembers whether you left it open or closed across visits).
Personal AI Credits remain available while your account is active. Access your unified Wallet screen via Me → Billing (or by clicking the AI Credit chip in the top header). The page (/platform/billing) displays School Payments, Membership, AI Credit, and Movements (transaction history), along with links to Generation history and AI claims (where you can request a credit refund if an AI generation fails or produces poor output).
Shared Back navigation
Off-bar pages share a consistent top-left Back link:
- Wallet (
/platform/billing) includes a top-left Back link returning to Me (/platform/profile), preserving your scroll position and filters when navigating back. - Wallet subpages (Generation history, AI claims) include a top-left Back link returning to Wallet (
/platform/billing).
Monthly credit top-up & student perks
- Monthly Credit Top-Up — Registered student accounts (excluding provisional guests) receive an unconditional monthly replenishment up to 50 AI credits on the 1st of each calendar month across all plans to practice exercises, explore self-study, and use AI features.
- Pronunciation Audio Perk — Listening to pronunciation audio examples and vocabulary audio playback is included as a standard benefit for subscribed students without deducting personal credits.
When a school lesson uses school-paid assessment, the school pays from its school AI Credits. When a lesson or self-study material uses student-paid assessment, the charge follows your personal balance and membership rules. School AI Credits never become a shared student credit pool.
School Payment Requests
When your school issues a card payment request for tuition, private lessons, or class enrollments, you are notified through two private channels:
- An in-app notification: "Speakly Academy requested a payment of €42.50. Open your wallet to pay."
- A school-branded email: Includes the payment summary, a direct payment button, and the due date ("Pay before November 10.").
For your privacy on shared devices, browser push notifications are never used for payment requests.
You can review and settle pending payment requests from two places in your Study Room:
- Today (
/platform): Under "Needs your answer", a payment card reads "Speakly Academy asks you to pay €42.50. Pay before November 10." with a direct "Pay" button. - Wallet (
/platform/billing): Under "School payments", which lists all pending payment requests from your school with the amount, description, due date, and a one-click checkout button.
Student Subscription Plans
Student memberships use a dual-rate model rather than one shared assessment pool. Each metered operation has its own allowance for the current billing period.
| Operation | What is tracked |
|---|---|
| AI assessment checks | Checks of supported written or spoken answers |
| Handwriting or photo checks | Assessment of uploaded handwritten work |
| Exam Tasks in self-study | Student-paid licensed Exam Tasks generated in a personal lesson |
| Ask AI and self-study lesson creation | Separate plan allowances for help and lesson creation |
For a metered operation:
- Within the operation's allowance, the plan's in-quota rate applies. On the Free plan, an available in-quota trial can be free.
- After the allowance is used, the published base rate applies and is charged to your personal balance.
- The allowance counter is specific to that operation. Using an assessment check does not use a handwriting or Exam Task allowance.
- Allowances reset with the current membership period. Unused allowance does not carry over.
The exact plan names, allowance sizes, rates, and any limits can change. Check Me → Billing and Pricing for the current values shown for your account.
The platform shows the payer and any confirmation needed before a chargeable student-paid action. If your personal balance is not sufficient, the action may be refused until you add balance, change the applicable plan, or use a school-paid workflow.
Cards access
The Free plan includes two Cards training sessions per day. The daily allowance resets on the next local day.
Paid memberships and eligible white-label school access provide full Cards access under the current entitlement rules. The Cards screen shows whether your account has full access or the Free daily limit.
Redeeming a bonus code
Enter the code on your Me → Billing page.
- Codes are 12 characters long.
- Capitals, lowercase, and stray spaces make no difference.
- Codes never contain look-alike characters.
A valid code adds AI Credit to your personal balance straight away, and the credit appears in your transaction history.
Each person can redeem a given code once. A code may also have an expiry date and a limit on how many people can use it in total.
If the code does not work
| Message | What it means |
|---|---|
| The code is not valid | Check for a typo, or ask whoever sent it for the current code. |
| The code has expired | The code is past its expiry date and can no longer be used. |
| The code has reached its activation limit | The total number of people allowed to use it has already been reached. |
| The code is not available for your account type | The code was issued for a different kind of account, such as school staff. |
| You have already redeemed this code | The credit is already on your balance — check your transaction history. |
Referral welcome credit
If you sign up using someone's referral code, either from the banner on the register screen or while continuing through Google sign-up, you receive a welcome credit on your personal balance immediately. It appears in your transaction history like any other credit.
If you already signed up without the code
A referral code has to be used while you are signing up — there is no place to enter it on an account that already exists. A bonus code is different: that one you can enter at any time on Me → Billing. If someone gave you a referral code after you registered, ask whether it is also available as a bonus code, or contact support.
Sharing referral codes is a school-staff feature. As a student you can receive a code and sign up with it, but you do not get one of your own to hand out.
Buying personal AI Credit
Open the Billing page
Open Me → Billing, or click the AI Credit chip in the top header.
Choose an amount
Choose the amount shown by the purchase screen. Current minimums, bonus terms, and rates are shown on Pricing and at checkout.
Choose a payment method
Select the payment method shown at checkout.
Complete the purchase
Review the current total and terms, then confirm the purchase. The AI Credit is added to your personal balance and appears in your transaction history.
Locuto.PRO does not store your full card details. Payment processing is handled by the payment processor shown at checkout.
The documentation does not repeat configured amounts.
Viewing your transaction history
Open Me → Billing and view the Movements section to review your personal transaction history. Each entry shows the date, transaction type, amount, and description. You can also follow direct links to view your complete Generation history and AI claims (where you can request a credit refund if an AI generation fails or produces poor output).
Frequently asked questions
Does personal AI Credit expire?
No. Personal AI Credit remains in your account while your account is active, although a Marketplace material can have its own access period.
Can I transfer personal AI Credit to another student?
No. Each student's personal balance is tied to their account.
What happens to my balance if I leave a course?
Your personal balance is account-wide. Leaving a course does not affect it. Any school-funded lesson balance is handled separately by the school.
How do refunds work for canceled group lessons?
School lesson refunds are handled through your school's payment ledger, not your personal AI Credit balance.
Can I convert personal AI Credit back to cash?
Students cannot convert AI Credit to cash. Contact support with questions about an unused purchase or refund.
Related documentation
- Marketplace Self-Study — personal materials and student-paid Exam Tasks
- Marketplace Courses — courses with school or teacher-managed lessons
- Profile & Settings — account and subscription settings