The same AI models show up inside a dozen different subscriptions. Here is where each one actually lives, what each place charges, and the catch nobody mentions.
Expedia has never owned an airplane. It sells you a seat on somebody else's plane, and it is genuinely useful because comparing every airline yourself is a pain. But nobody thinks Expedia flies the plane.
Most AI tools work exactly the same way. A handful of companies build the actual models, and almost everything else is a really nice front door onto one of them. So the same model you are paying one company for is often sitting inside three others you could already be using.
Here is the whole map.
The model, and everywhere you can get it
| Model | What it does | Where you can get it |
|---|---|---|
| Nano Banana Pro | Images and editing, up to 4K | Gemini (paid plans), Higgsfield, Krea, Leonardo, Magnific, Runway |
| Nano Banana 2 and 2.1 | Images, the everyday one | Gemini, Higgsfield, Krea, Magnific |
| Veo 3.1 | Video with native audio | Google Flow, Krea, Leonardo, Magnific |
| Kling 4.0 | Video, the newest Kling, up to 30 seconds | Kling, Krea, Magnific, Runway |
| Seedance 2.5 | Video, longer clips | Higgsfield (Plus and up), Krea, Magnific, Runway |
| Seedance 2.0 | Video, real UGC feel | Higgsfield, Krea, Magnific, Runway |
| Hailuo 2.3 | Video, short clips | MiniMax, Krea, Leonardo, Magnific |
| FLUX.2 Pro | Images from reference images | Black Forest Labs, Higgsfield, Krea, Magnific |
| Seedream 5.0 | Images, production quality | Higgsfield, Krea, Magnific |
| GPT Image | Images with readable text in them | ChatGPT, Higgsfield, Krea, Leonardo |
| Ideogram | Images, typography and logos | Ideogram, Krea, Leonardo |
Versions do not always match. A wrapper might still be on Kling 3.0 while Kling itself is on 4.0. Check before you assume you are getting the newest one. OpenAI shut down its Sora video app in April 2026, so Sora is off this list.
The wrappers, and what is actually inside them
| Wrapper | What you get inside it | What it costs |
|---|---|---|
| Higgsfield | Its own Soul models, plus Seedance 2.0 and 2.5, Kling 3.0, Veo, Nano Banana Pro, FLUX.2, Seedream 5.0, GPT Image | $15 / $49 / $129 |
| Runway | Its own Gen-4.5, Gen-4 and Aleph models, plus Kling 4.0, Seedance 2.5 and Nano Banana Pro | Free / $15 / $35 / $95 |
| Freepik | Now called Magnific. Nano Banana 2 and Pro, FLUX.2, Seedream 5, Kling 4.0, Veo 3.1, Seedance 2.5, Hailuo 2.3 | $45 a month, or $33.75 billed yearly (Premium+) |
| Krea | FLUX.2, Seedream 5, Nano Banana Pro and 2.1, GPT Image, Kling 4.0, Veo 3.1, Seedance 2.5 | Free / $9 / $35 / $105 |
| Leonardo | Its own Phoenix and Lucid Origin, plus Veo 3.1, Kling, Nano Banana Pro, Seedream, GPT Image, Ideogram | Free / $12 / $30 / $60 |
Monthly prices, checked November 1, 2026. Most of these are cheaper billed yearly, and lineups change constantly, so check the pricing page before you subscribe.
Read those two charts together and the useful thing jumps out. If you want Veo 3.1, Kling 4.0 and Seedance 2.5, you do not need three subscriptions. Krea and Magnific each carry all three. Pick the one whose pricing fits how much you actually make.
"Unlimited" almost never means unlimited. On Magnific (Freepik) it covers a short list of specific models, mostly at lower resolutions, like Nano Banana 2 at 1K or Kling 2.5 at 720p. On Leonardo the unlimited part only applies to Leonardo's own models on the higher plans, and outside models like Veo, Kling, Nano Banana Pro or Seedream still burn tokens. That is the single most expensive misunderstanding on this page.
Credits are not a currency. The same credits buy wildly different amounts depending on which model you pick and what resolution you choose. On Higgsfield, five seconds of Seedance 2.0 costs 30 credits at 720p and 60 at 1080p. A Nano Banana Pro image is 2. So a plan's credit number tells you nothing until you know what you are going to make.
Work backwards from your month. Decide how many videos or images you actually need, price that against a couple of these plans, and the answer is usually obvious and usually not the famous one.
A chart tells you what exists. It does not do the math for the specific thing you need this month, so here is what I would actually use for that.
Tell it the job. It works out which models genuinely do that, then prices three routes against each other. What you are already paying for, going direct, and paying for a wrapper. It costs all three at your volume and tells you the crossover point where the answer flips.
How to set it up. Two ways, both take about a minute.
Turn web search on before you run it, so it checks live prices instead of guessing.
This is not an argument that these subscriptions are a rip-off. I pay for plenty of them, and bundling a dozen models into one login for under $50 is genuinely good value if you use more than one of them.
A wrapper earns its money when it bundles models you would otherwise buy separately, when it saves you real hours, or when it does the part the raw model does not do at all. It is not worth it when you are paying for one model you could reach directly, or when the same model is already sitting inside something else you pay for. That second one catches almost everybody.