Moving your money from Ontop is fast, secure, and flexible. You can send to a bank account, crypto wallet, debit card, or platforms like Payoneer, Zinli, or AstroPay. Here's how it works.
How do I start a transfer?
- Open the app and tap Send Money
- Choose the recipient type:
- My account: your own accounts
- Someone else's account: third parties
- Tap Add account
- Select the destination country
- Choose your transfer method
- Enter the account details
- Define the amount and confirm
The app shows fees in real time before you confirm.
What methods are available?
| Method | Available for |
|---|---|
| Bank transfer | Own accounts and third parties |
| Crypto (USDT, USDC) | Own accounts only |
| Debit card | Own accounts only |
| Payoneer | Own accounts only |
| Zinli | Own accounts and third parties |
| AstroPay | Own accounts and third parties |
| Transfers between Ontop accounts | Any Ontop user |
Available options vary by country.
Useful features
- Contact aliases: nickname your saved accounts to find them faster
- Local currency preview: see the exact conversion before sending
- Real-time tracking: follow your transfer status step by step
- Download receipts: access your history whenever you need it
Bank transfer limits
| Limit | |
|---|---|
| Per transfer | USD 10,000 |
| Every 24 hours | USD 30,000 |
If you exceed the 24-hour limit, transfers are blocked until 24 hours have passed since your last transaction.
Can I cancel a transfer?
Depends on the status:
- SENT: money is already on its way. Cannot be reversed.
- IN PROGRESS: there may still be a chance. Reach out to us immediately and we'll do our best.
- COMPLETED: funds should be credited shortly. If they haven't arrived, please let us know.
Always double-check your details before confirming. Once sent, we can't always guarantee recovery.
How do I download a receipt?
- Go to your transaction history
- Tap the transfer
- Select Share / Download receipt
Exchange rate note
Exchange rates are set by our authorized payment providers in real time. Ontop does not control or modify conversion rates.
Important restrictions
- Payroll Account: transfers to personal US bank accounts of third parties and to companies operating directly from the US are not allowed
- Personal Account (USDc): transfers to US bank accounts are available without these restrictions
- Bank transfers to Venezuela are not supported
Need help?
Reach out from the app or at support@getontop.com. We're here.