Ontop Wallet

Secure, Borderless Digital Wallet Platform

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 a Digital Wallet Platform
Backed by Industry Leaders

J.P Morgan Logo
Visa logo
Y Combinator logo
Regulated Partners
100+ Countries
Secure Monitoring

Why Choose Ontop Digital Wallet Platform?

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

Ontop Card Dashboard phone

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

Depends on country & local bank rates

Payoneer

Fixed fee plus small percentage

Cryptocurrency

Network fee applies based on chain

Debit Cards

Of total transferred amount

People from different countries
New Feature

Euro Wallet
Get Paid in EUR, Fast & Free

Receive, hold, and withdraw euros directly in Ontop with a dedicated Euro Wallet built for seamless payouts.
Dedicated EUR Balance: Keep money in euros. No forced conversions.
Free & Fast Payouts: € 0 fees to bank. Seconds with SEPA Instant.
Trusted & Secure: Powered by regulated European financial partners.
Supports SEPA Instant and SEPA countries across Europe.

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.
Do I need a separate account for Euro Wallet?
No, it’s part of your existing Ontop account. Just make sure your app is updated, as availability may vary while it’s being gradually enabled.

Ready to Get Started?

Join thousands of global workers who are already enjoying instant, fee-free payments.

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