Nectar AI Review 2026: Plans, Credits and Is It Worth It?

Adults only. Nectar’s docs call it “a platform for adults 18 and older”. Its terms let under-18s into safe-for-work areas only, but its FAQ says under-18s are “not permitted to use Nectar under any circumstances”, and the service is built around adult companions, so Aitryvo treats it as 18+. This review covers price, plans, billing and privacy. It is non-explicit.

How this review was made. This is a documentation-based review. Plans, prices and credit packs were read on Nectar’s pricing pages on 3 November 2026; those pages only show prices to signed-in visitors. Features, credits, memory, refunds, age rules and privacy come from Nectar’s docs, terms and privacy policy, read the same day. Every page is listed in the sources. We have not paid for a plan, so nothing here describes chat or image quality. Prices are in US dollars as shown to us. See how we review.

Money. Aitryvo is in Nectar AI’s affiliate programme, so the Nectar button on this page may earn a commission if you subscribe, at no extra cost to you. The “skip it if” advice below stands regardless. See our affiliate disclosure.

The short answer

Nectar AI is a create-and-generate companion service: you design characters, chat with them, and generate pictures and video. It runs in the browser. Nectar and trynectar are the same service, run by Nectar AI in Dover, Delaware and Lick Labs Ltd in London.

The plans are a steep ladder. Premium is cheap but capped. Pro lifts the image cap and doubles memory. Ultimate is the plan with unlimited messaging, long-term memory, video and voice chat, and it costs $179.99 a year or $34.99 a month.

Pay yearly or not at all. Every plan costs roughly half as much per month on yearly billing, but the terms make subscriptions non-refundable.

What Nectar AI costs

From the pricing page, 3 November 2026:

The “saved” column is our arithmetic: twelve monthly payments minus the yearly price. The page says “No hidden fees” and “Cancel subscription at any time”. Its terms say subscriptions “automatically renew under the exact same conditions”. Card and crypto logos (Visa, Mastercard, Bitcoin, Ethereum, Solana) appear on the homepage; the terms say web payments go through NMI.

Credits are sold separately:

Nectar does not publish how many credits each action costs; its FAQ says to “check the displayed price before confirming a paid action”.

What each plan adds

All wording is from the pricing page. “Not listed” means the plan’s benefit list does not mention it, not that it is confirmed missing.

Free plan limits are not given in numbers. Nectar’s FAQ says the free plan “includes the character creator, AI chat, and a limited number of image generations”. The docs say “Features and usage limits depend on your plan”, and the terms say rate limits may apply to “both Pro and Free” users.

Memory caveat. Nectar’s FAQ says “A fresh conversation does not carry memories from the earlier chat”, and you can mark up to 10 memories as important. Resetting a chat permanently deletes its memories.

Cancelling and refunds

• Cancel: the terms say you can cancel renewal “through the profile settings page”, and access continues “until the end of your current Subscription period”.
• Refunds: “Except when required by law, paid Subscription fees are non-refundable.” Some requests may be reviewed case by case.
• Failed paid actions: the FAQ says to open a support ticket on Discord (#get-support-now) with the action, time, error and balance change.
• Delete your account: the FAQ says to “Contact support through Discord or email support@nectar.ai to request account deletion”, and that deletion “is permanent and cannot be undone”.
• Support: support@nectar.ai.

Our cancel and refund guide explains card disputes and the general rules.

Apps and platforms

Nectar’s docs describe no app download. It runs in the browser, and on a phone you add it to your home screen (Safari share menu on iPhone, Chrome menu on Android). The terms mention Apple billing for app subscriptions, but we found no app to confirm that.

Privacy and safety points worth knowing

From the privacy policy, last updated 28 January 2026:

• What it collects: email, username and password; device and usage data; payment and billing details; your messages, images and other content; and, for “Know Your Customer” checks, government ID numbers and ID images.
• Selling data: it says it does “not sell, trade, rent or otherwise share for marketing purposes” your personal information, but may share with service vendors.
• Training: the policy does not say whether chats or generated content train AI models.
• Retention and deletion: the policy states no retention period and describes no deletion process; the FAQ says account deletion is by request to support (see above). Deleting a chat in the app “permanently removes the conversation”.
• Content rules: the terms ban content involving anyone under 18, non-consent, incest and other categories, and say “Image uploads in character creation are not permitted.”

Keep your real name and identifying details out of chats. Our AI companion privacy and safety guide has a fuller checklist.

Pay if, skip if

Pay (yearly) if:

• You want image and video generation with a companion you design, and long memory matters to you (that means Ultimate).
• Pro’s unlimited images and 9,000 messages a month cover you, at $119.99 a year.
• You are happy using a website rather than an app.

Skip it if:

• You want to try it properly for free first. The free plan exists, but its limits are not given in numbers.
• You want any chance of a refund. Subscriptions are non-refundable except where the law requires.
• You want clear costs. Credit prices per action are only shown in the app.
• You would not hand over government ID if asked for an identity check.

Honest alternatives:

• Candy AI is the closest match on images and video, with a cheaper yearly plan ($47.88) and a 24-hour card refund window.
• SpicyChat has a real free tier and published plan limits.
• Nomi has a free tier and phone apps, and focuses on conversation.

What we could not confirm

• How many messages and images a free account gets.
• How many credits each image, video, voice message or call minute costs.
• Whether unused credits expire.
• Whether an official Nectar app exists.
• How long Nectar keeps your data, and whether chats train its models.
• Prices outside the US.

If you spot something that has changed, email hello@aitryvo.com and we will recheck it.