Ontop Reserve – VIP Benefits, Global Card & Cashback

More cashback. Lower fees. Elevated living.

With Reserve, your wallet does more than hold funds, it unlocks curated benefits, better rates, and financial power. All of this, just $14.90/month.

Ontop card
access

Spend anywhere, anytime, with global acceptance.

Monthly perk box

Wellness, travel, productivity, and more curated just for you

VIP deals

Unlock access to exclusive perks only for Reserve members.

Up to 10% cashback

Earn up to $200 USD/month just by using your Ontop Card, no extra effort.

50% off transfer fees

Enjoy reduced fees on transfers simply because you’re Reserve.

Travel assistance

Feel secure wherever you go, with support when you need it most.

It's not just about what you get

It's how it all fits seamlessly into the way you already live.

"I didn’t expect to love a subscription. But Reserve has made every transfer feel easier, and every purchase more rewarding"

William M. Operations Officer

"Reserve has completely changed how I manage and enjoy my money while working remote".

Gabriela M. Digital Marketer

Who is Reserve for?

Built for the Global Class

Three ways to use Ontop. One designed for more.

Benefit and more

Basic

Premium

Reserve

USD wallet

Global transfers (own & 3rd party)

Bill Payments (available market)

Basic perks and discounts

P2P

Ontop digital card

Early Wage Access

Insurance Options

Card campaigns access

Ontop physical card

Payout Fixed Fee Discounts

Investment access

VIP partner deals

Frequently asked questions

What is Ontop Reserve?

Ontop Reserve is our most exclusive subscription designed to reward you for the way you already live. From elevated cashback to curated monthly perks, it's how you unlock the full Ontop experience.

How much does Reserve cost?

Reserve is available for $14.90 USD/month or $145 USD/year and with up to $200 USD/month in cashback, it easily pays for itself.

What makes Reserve different from other plans?

While other plans offer great basics, Reserve takes it further with up to 10% cashback, exclusive perks, reduced fees, and thoughtful travel assistance. It's a premium layer made for Ontop's most engaged members.

Is Reserve available in my country?

Yes. Reserve is available world wide. Wherever you are, you're invited to experience the best Ontop has to offer.

Is the monthly perk box available in my country?

Some perks are digital and available globally. Others may vary based on your region but we always ensure your box brings value, no matter where you are.

What happens if I already have the Wanderlust plan?

No worries! If you’re already on the Wanderlust Plan, you can keep enjoying all its benefits without any interruptions.

The membership for modern global living