Ontop Wallet

Fast, Secure, Borderless

Digital wallet designed for independent contractors to receive payments instantly in 100+ countries. No maintenance fees. Backed by JP Morgan.
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Trusted by thousands of global workers
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Your Money, Secured by Industry Leaders

Regulated Partners
100+ Countries
Secure Monitoring
Business Grade

Why Choose Ontop Wallet?

Experience the freedom of a wallet built for the modern global workforce.

Instant Payments

Receive your earnings in real time. No more waiting days for your money to arrive.

Zero Maintenance Fees

Keep more of what you earn. We don't charge you just for having an account.

Global Reach

Works in 100+ countries. Your money travels as far as your work does.
About Ontop Wallet

Get Paid in 3 Simple Steps

Receive Payments

Manage Your Funds

Access Your Money

Simple, Transparent Pricing

We believe you should keep what you earn. That's why we have zero monthly fees and clear transaction costs.

Wallet Maintenance

Open your account for free. Keep it for free.

$0/month
No setup fees
No monthly charges
No minimum balance

Bank Transfers

Varies

Depends on country & local bank rates

Payoneer

$1 + 0.5%

Fixed fee plus small percentage

Cryptocurrency

1.2% + fee

Network fee applies based on chain

Debit Cards

2%

Of total transferred amount

Frequently asked questions

What is the Ontop Wallet?
Ontop Wallet is a digital wallet specifically designed for independent contractors and remote workers. It allows you to receive payments instantly from clients worldwide, hold funds securely, and transfer them to local banks or spend via the Ontop Card.
Is there a fee to use the Ontop Wallet?
No, there are zero maintenance fees for holding the wallet. We believe you should keep what you earn. Fees only apply to specific transactions like withdrawals or card usage.
What countries does Ontop Wallet support?
The Ontop Wallet supports instant payments and transfers in over 100+ countries, making it a truly global solution for the modern workforce.
Is my money safe in the Ontop Wallet?
Absolutely. We are powered by JP Morgan and work with regulated financial partners to ensure your funds are held securely. All transactions are monitored for safety.
What is the inactivity fee?
To keep our platform efficient, we charge a small $10 fee only if your account has been completely inactive (no transactions or active contracts) for 2 consecutive months.