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, real 4K | Gemini, Higgsfield, Krea, Leonardo |
| Nano Banana 2 | Images, the everyday one | Gemini, Higgsfield, Freepik |
| Veo 3.1 | Video with native audio | Google Flow, Higgsfield, Leonardo, Runway |
| Kling 3.0 | Video, strong motion | Kling, Higgsfield, Leonardo, Runway |
| Seedance 2.0 | Video, real UGC feel, cheapest | Higgsfield, Leonardo, Runway |
| Hailuo 2.3 | Video, short clips | MiniMax, Higgsfield, Freepik, Leonardo |
| WAN 2.6 | Video, very cheap | Higgsfield |
| Sora 2 | Video | Sora app and ChatGPT |
| FLUX.2 Pro | Images from reference images | Black Forest Labs, Freepik, Krea, Leonardo, Runway |
| Seedream 5.0 | Images, production quality | Freepik, Krea, Leonardo, Runway |
| GPT Image | Images with readable text in them | ChatGPT, Krea |
| Ideogram 3.0 | Images, typography and logos | Leonardo |
Versions do not always match. A wrapper might still be on Kling 2.5 while Kling itself is on 3.0. Check before you assume you are getting the newest one.
The wrappers, and what is actually inside them
| Wrapper | What you get inside it | What it costs |
|---|---|---|
| Higgsfield | 15+ video and image models. Veo 3.1, Kling 3.0, Seedance 2.0, WAN 2.6, Hailuo, Nano Banana Pro | $15 / $34 / $84 |
| Runway | Its own Gen-4 models, plus Veo 3.1, Kling 3.0 Pro, Seedance 2.0, FLUX.2 and Seedream 5.0 | Free / $12 / $28 / $76 |
| Freepik | Now called Magnific. Nano Banana 2, FLUX.2 Pro, Seedream 5.0 Lite, Kling 2.5, Hailuo | $33.75 a month |
| Krea | FLUX.2 Pro, Seedream 4.5 and 5.0, Nano Banana, Kling O1 Image, GPT Image | $5 / $39 / $99 |
| Leonardo | Its own Phoenix and Lucid Origin, plus Veo 3.1, Kling 3.0, Nano Banana Pro, Seedream, FLUX.2, Ideogram 3.0 | Free / $12 / $30 / $60 |
Checked August 2026. Plans and model lineups in this space 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 3.0 and Seedance 2.0, you do not need three subscriptions. Higgsfield, Leonardo and Runway each carry all three. Pick the one whose pricing fits how much you actually make.
"Unlimited" almost never means unlimited. On Freepik it covers about ten specific models on the higher plans, not everything. On Leonardo the unlimited part only applies to Leonardo's own models, and every premium outside model like Veo, Kling, Nano Banana Pro or Seedream still burns 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 about 22 credits at 720p and about 45 at 1080p. A Nano Banana Pro image is about 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 $34 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.