You can easily switch from one account model to another. As a new customer, you can select an account model in the app during registration. As an existing customer (your account was opened before the 5th of October), you can view and switch account models in the settings. To do so, tap on your profile picture and then on "Learn more" under your current account model. For the Now and Change model, we also have a free trial month where you can test if you like it. However, if you are an existing customer, you will not be able to switch back from the new pricing model to the old one. This is due to the fact that you have to sign the new terms and conditions when you switch to the new pricing model.