There are two ways to receive your payments through Ontop. Here's what sets them apart and how each one works.
Global Account
The full Ontop experience. Your global financial hub.
With Global Account you have access to:
- Your account in USD and/or USDc
- The Ontop Platinum Card
- Reserve: the premium membership
- Money transfers and withdrawals
- Transfers between Ontop accounts
- Bill payments
- Future Fund
- Paycheck Advance
Global Account = full access.
Direct Transfer
A simpler experience, designed for those who just need to get paid. Ontop receives your payment and sends it directly to the bank account you registered. No extra steps, no intermediaries.
With Direct Transfer you can:
- Register your bank account to receive funds
- Receive your payments on time
- Track the status of each payment from the app
What's not included in Direct Transfer?
- Ontop Platinum Card
- Global Account in USD or USDc
- Additional financial products and tools
It's the right option if you just need to get paid, nothing more.
Track your payment in real time
With Direct Transfer you get updates at every stage:
🚀 On its way "Your payment is being processed. Expect it in your bank account soon." Your payment has been sent. It usually arrives within up to 3 business days.
💸 Payment received "Your money has arrived in your bank account." Funds are available and ready to use.
⚠️ Payment failed "Something went wrong while trying to deposit your payment." This usually happens due to incorrect bank details. Update your payment information in the app and we'll try again.
Need to update your bank account?
Keeping your details up to date is the best way to avoid delays. You can update them anytime:
- Open the Ontop app
- Go to Settings
- Tap Payment method
Not sure which experience you have?
Reach out from the app or at support@getontop.com. We'll confirm in seconds.