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Your Money, Your Way: A Guide to Withdrawals and Fees 💵
Ready to move your money? Getting your funds out of your Ontop Wallet should be simple and transparent.
You have several choices: bank transfer, digital wallets, cryptocurrencies, or debit card. This guide breaks down each method so you can choose the option that best fits your needs.
💡 Let’s Talk Fees (No Surprises)
We believe in complete transparency. Fees are a standard part of moving money internationally, and we will always show you the total cost before you confirm any withdrawal.
Here are the two types of costs you might see:
Transfer Fee: The cost to send your money to its destination, charged by the financial platform (such as Payoneer or your bank) to process your transfer securely.
Exchange Rate: Sending money in a different currency? We use real-time exchange rates for conversions. This may differ slightly from reference rates (like Google) because it includes a small margin allowing us to process transfers in local currencies securely.
🏦 Your Withdrawal & Transfer Options
Choose your preferred method below:
1. Bank Account 🏦
Send funds directly to a local or international bank account. For international transfers, please note that two additional fees may apply:
Intermediary Bank Fee: To ensure your money arrives safely, transfers may pass through an intermediary bank, which may charge a fee (typically around $20 USD).
Receiving Bank Fee: Some banks charge a small fee for receiving international transfers, usually ranging from $0 to $25 USD.
📍 Want to see specific costs for your country? Check the bank fee table below.
2. Digital Wallet 💼
Digital wallets offer a quick and simple way to receive and manage your money. Here are the fixed fees by platform:
Payoneer: $1 USD + 0.5% of the total amount.
AstroPay: $1.50 USD + 1% of the total amount. (Available only in Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru, and Uruguay).
Zinli: $1 USD + 1% of the total amount. (Exclusive to Venezuela).
3. Crypto Wallet 🌐
Move your money onto the blockchain. Cryptocurrency transfers use networks like ERC-20, which apply a variable network fee to process transactions.
Fee: From 1.2% + variable network fee.
Processing Time: Fast completion, usually between 10 minutes and 6 hours. (Available for users in all non-restricted countries).
4. Direct to Debit Card 💳
Send funds directly to your personal debit card for maximum convenience.
Fee: 2% of the total amount.
Available Countries: El Salvador (VISA only), Philippines (VISA or Mastercard), Honduras (VISA only), Peru (VISA only), and Dominican Republic (VISA only).
➡️ Please note: All transfer methods have a maximum limit of $10,000 USD per transaction.
🌍 Available Payment Methods by Country
| Country | Zinli | AstroPay | Payoneer | Card (VISA / MC) |
| Venezuela | Yes | No | No | No |
| Argentina | No | Yes | Yes | No |
| Brazil | No | Yes | Yes | No |
| Uruguay | No | Yes | Yes | No |
| Colombia | No | Yes | Yes | No |
| Mexico | No | Yes | Yes | No |
| Peru | No | Yes | Yes | VISA Only |
| Ecuador | No | Yes | Yes | No |
| Chile | No | Yes | Yes | No |
| Dominican Republic | No | No | Yes | VISA Only |
| El Salvador | No | No | Yes | VISA Only |
| Honduras | No | No | Yes | VISA Only |
| Philippines | No | No | Yes | VISA + MC |
| Other Countries* | No | No | Yes (except prohibited list) | No |
⚠️ Important Notes on Digital Methods:
Payoneer is available in all countries except: American Samoa, French Southern Territories, Guinea-Bissau, Haiti, Libya, Mali, Myanmar (Burma), Palestine, Samoa, Somalia, Venezuela, Western Sahara, and Zimbabwe.
Card Withdrawals are strictly limited to El Salvador, Philippines, Honduras, Peru, and Dominican Republic (subject to network restrictions indicated).
AstroPay is limited to Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru, and Uruguay.
Zinli is exclusive to Venezuela.
🔄 Canceling a Transaction
Check the status of your transfer in the app before taking action:
Status "SENT": The transfer has already been processed and cannot be canceled.
Status "IN PROGRESS": Contact our support team immediately. We will evaluate the cancellation request, though stopping the process is not always guaranteed. Please double-check all details before confirming transfers.
🏢 Business Accounts
If your Ontop account is a business account:
You can register your own withdrawal account as a beneficiary and use any available method.
If the destination account belongs to a third party (personal or corporate), bank transfer is the only available transfer method.
📊 Bank Fees & Processing Times Table
Below are the bank transfer costs in USD and local currencies, alongside estimated processing times:
| Country | USD Fee | Local Currency Fee | Processing Time |
| Albania | $6 USD | USD only for now | 1 business day |
| Germany | $6 USD | EUR: $1.5 USD + 0.3% | 1 business day |
| Andorra | $6 USD | USD only for now | 1 business day |
| Angola | $6 USD | USD only for now | 1 business day |
| Anguilla | $6 USD | USD only for now | 1 business day |
| Saudi Arabia | $6 USD | USD only for now | 1 business day |
| Argentina | $6 USD | ARS: $1.54 USD + 1.2% (taxes) | 1 business day |
| Armenia | $6 USD | USD only for now | 1 business day |
| Australia | $6 USD | AUD: $1.7 USD + 0.30% | 1 business day |
| Austria | $6 USD | EUR: $1.3 USD + 0.30% | 1 business day |
| Azerbaijan | $6 USD | USD only for now | 1 business day |
| Bahamas | $6 USD | USD only for now | 1 business day |
| Bangladesh | $6 USD | BDT: $1.5 USD | 1 business day |
| Barbados | $6 USD | USD only for now | 1 business day |
| Belgium | $6 USD | EUR: $1.5 USD + 0.3% | 1 business day |
| Belize | $6 USD | USD only for now | 1 business day |
| Benin | $6 USD | USD only for now | 1 business day |
| Bolivia | $6 USD | BOB: $1.54 USD | 1 business day |
| Bosnia & Herzegovina | $6 USD | USD only for now | 1 business day |
| Brazil | $6 USD | BRL: $2.1 USD + 0.3% | 1 business day |
| Bulgaria | $6 USD | BGN: $3.5 USD + 0.30% | 1 business day |
| Cameroon | $6 USD | USD only for now | 1 business day |
| Canada | $6 USD | CAD: $2 USD + 0.30% | 1 business day |
| Cape Verde | $6 USD | USD only for now | 1 business day |
| Chile | $6 USD | CLP: $1.6 USD | 1 business day |
| China | $6 USD | CNY: $0.62 USD + 0.87% | 1 business day |
| Cyprus | $6 USD | EUR: $1.3 USD + 0.30% | 1 business day |
| Colombia | Not available in USD | COP: $1.6 USD + 0.4% | 2 business days |
| Congo (DRC) | $6 USD | USD only for now | 1 business day |
| Costa Rica | $13 USD (no intermediary) | CRC: $1.5 USD | 1 business day |
| Ivory Coast | $6 USD | USD only for now | 1 business day |
| Croatia | $6 USD | EUR: $1.3 USD + 0.30% | 1 business day |
| Curaçao | $6 USD | USD only for now | 1 business day |
| Denmark | $6 USD | DKK: $2.10 USD + 0.30% | 1 business day |
| Ecuador | $5 USD | USD only for now | 1 business day |
| El Salvador | $15 USD (no intermediary) | Not available | 1 business day |
| United Arab Emirates | $6 USD | AED: $2.5 USD + 0.30% | 1 business day |
| Spain | $6 USD | EUR: $1.5 USD + 0.3% | 1 business day |
| United States | ACH: $2 USD / WIRE: $6 USD | ACH: $2 USD / WIRE: $6 USD | ACH: 1 business day / WIRE: 30 mins |
| Estonia | $6 USD | EUR: $1.5 USD + 0.30% | 1 business day |
| Ethiopia | $6 USD | USD only for now | 1 business day |
| Philippines | $6 USD | PHP: $2 USD + 0.30% | 1 business day |
| Finland | $6 USD | EUR: $1.5 USD + 0.3% | 1 business day |
| France | $6 USD | EUR: $1.5 USD + 0.3% | 1 business day |
| Georgia | $6 USD | GEL: $0.29 USD + 0.73% | 1 business day |
| Ghana | $6 USD | USD only for now | 1 business day |
| Greece | $6 USD | EUR: $1.5 USD + 0.3% | 1 business day |
| Guatemala | $6 USD | GTQ: $2.5 USD | 1 business day |
| Guinea | $6 USD | USD only for now | 1 business day |
| Guyana | $6 USD | USD only for now | 1 business day |
| Honduras | $12 USD (no intermediary) | HNL: $2.2 USD | 1 business day |
| Hong Kong | $6 USD | HKD: $2.6 USD + 0.30% | 1 business day |
| Hungary | $6 USD | HUF: $0.26 USD + 0.42% | 1 business day |
| India | $6 USD | INR: $4 USD + 0.3% | Same day |
| Indonesia | $6 USD | IDR: $2 USD + 0.30% | 1 business day |
| Ireland | $6 USD | EUR: $1.5 USD + 0.30% | 1 business day |
| Israel | $6 USD | ILS: $2.2 USD + 0.30% | 1 business day |
| Italy | $6 USD | EUR: $1.5 USD + 0.3% | 1 business day |
| Jamaica | $6 USD | USD only for now | 1 business day |
| Japan | $6 USD | JPY: $1.51 USD + 0.4% | 1 business day |
| Jordan | $6 USD | USD only for now | 1 business day |
| Kazakhstan | $6 USD | USD only for now | 1 business day |
| Kenya | $6 USD | KES: $1.5 + 0.30% | 1 business day |
| Kuwait | $6 USD | USD only for now | 1 business day |
| Latvia | $6 USD | EUR: $1.5 USD + 0.30% | 1 business day |
| Lebanon | $6 USD | USD only for now | 1 business day |
| Liberia | $6 USD | USD only for now | 1 business day |
| Liechtenstein | $6 USD | CHF: $0.56 USD + 0.37% | 1 business day |
| Lithuania | $6 USD | EUR: $1.5 USD + 0.3% | 1 business day |
| Luxembourg | $6 USD | EUR: $1.5 USD + 0.3% | 1 business day |
| North Macedonia | $6 USD | USD only for now | 1 business day |
| Madagascar | $6 USD | USD only for now | 1 business day |
| Malaysia | $6 USD | MYR: $1.5 + 0.30% USD | 1 business day |
| Malta | $6 USD | EUR: $1.5 USD + 0.3% | 1 business day |
| Morocco | $6 USD | MAD: $1.53 USD + 0.30% | 1 business day |
| Mauritius | $6 USD | USD only for now | 1 business day |
| Mexico | Not available in USD | MXN: $1.5 USD + 0.3% | 1 business day |
| Moldova | $6 USD | USD only for now | 1 business day |
| Monaco | $6 USD | EUR: $1.5 USD + 0.3% | 1 business day |
| Montenegro | $6 USD | EUR: $1.5 USD + 0.3% | 1 business day |
| Mozambique | $6 USD | USD only for now | 1 business day |
| Namibia | $6 USD | USD only for now | 1 business day |
| Nepal | $6 USD | NPR: $1.5 USD + 0.30% | 1 business day |
| Nicaragua | $6 USD (no intermediary) | NIO: $2.3 USD | 1 business day |
| Nigeria | $6 USD | NGN: $1.47 USD | 1 business day |
| Norway | $6 USD | NOK: $2.1 USD + 0.30% | 1 business day |
| New Zealand | $6 USD | NZD: $0.47 USD + 0.32% | 1 business day |
| Oman | $6 USD | USD only for now | 1 business day |
| Netherlands | $6 USD | EUR: $1.5 USD + 0.3% | 1 business day |
| Pakistan | Not available in USD | PKR: $1.7 USD | 1 business day |
| Panama | $6 USD | USD only for now | 1 business day |
| Paraguay | $6 USD | PGY: $1.55 USD | 1 business day |
| Peru | $5.3 USD + 0.2% | PEN: $2.1 USD | 1 business day |
| Poland | $6 USD | PLN: $1.80 USD + 0.30% | 1 business day |
| Portugal | $6 USD | EUR: $1.5 USD + 0.3% | 1 business day |
| Puerto Rico | $2 USD (US ACH network) | Not available | 1 business day (ACH) |
| Qatar | $6 USD | USD only for now | 1 business day |
| United Kingdom | $6 USD | GBP: $2 USD + 0.30% | 1 business day |
| Czech Republic | $6 USD | CZK: $1.3 USD + 0.30% | 1 business day |
| Dominican Republic | $6 USD | DOP: $1.19 USD | 1 business day |
| Romania | $6 USD | RON: $1.7 USD + 0.30% | 1 business day |
| Rwanda | $6 USD | USD only for now | 1 business day |
| San Marino | $6 USD | EUR: $0.31 USD + 0.37% | 1 business day |
| Senegal | $6 USD | USD only for now | 1 business day |
| Serbia | $6 USD | USD only for now | 1 business day |
| Singapore | $6 USD | SGD: $1.70 USD + 0.30% | 1 business day |
| South Africa | $6 USD | ZAR: $4.5 USD | 1 business day |
| Sweden | $6 USD | SEK: $0.37 USD + 0.31% | 1 business day |
| Switzerland | $6 USD | CHF: $0.56 USD + 0.37% | 1 business day |
| Taiwan | $6 USD | USD only for now | 1 business day |
| Tanzania | $6 USD | USD only for now | 1 business day |
| Thailand | $6 USD | THB: $4.8 USD | 1 business day |
| Trinidad & Tobago | $6 USD | USD only for now | 1 business day |
| Tunisia | $6 USD | USD only for now | 1 business day |
| Turkey | $6 USD | TRY: $1.90 USD + 0.30% | 1 business day |
| Uganda | $6 USD | USD only for now | 1 business day |
| Ukraine | $6 USD | UAH: $0.20 USD + 0.55% | 1 business day |
| Uruguay | $12 USD (no intermediary) | USD only for now | 1 business day |
| Vietnam | $6 USD | VND: $2 USD + 0.30% | 1 business day |
| British Virgin Islands | $6 USD | USD only for now | 1 business day |
| Zambia | $6 USD | USD only for now | 1 business day |
| Zimbabwe | $6 USD | USD only for now | 1 business day |
⚠️ Territorial Restrictions for Bank Transfers
Bank transfer method is unavailable in the following countries or territories:
American Samoa, Cyprus, Gaza Strip, Guam, Guinea-Bissau, Haiti, Iceland, Kuwait, Lao People's Democratic Republic, Libya, Maldives, Mali, Mongolia, Myanmar (Burma), Palestinian Territories, Samoa, Somalia, U.S. Virgin Islands, Venezuela, West Bank, and Western Sahara.
(Note: If you reside in any of these regions, you can still use digital wallets or other available options).
⛔ Countries Blocked from All Transactions
Transactions cannot be sent to or received from:
Afghanistan, Belarus, Burundi, Central African Republic, Chad, Cuba, Democratic People's Republic of Korea (North Korea), Eritrea, Iran, Iraq, Niger, Russian Federation, South Sudan, Sudan, Syria, and Yemen.
💬 Questions? We're Here to Help!
Choosing the right withdrawal option can bring up questions. If you need assistance, contact our support team through the in-app chat. We’re ready to help!