First things first:
You do not need to delete your Ontop account because your contract has ended.
In fact, keeping it is usually the best decision.
Your Ontop account is personal and independent of any company or client . That means that even if your contract ends:
You don't have to change your email
You do not need to create a new account
Your current account remains completely yours
We tell you why it is worth keeping it.
Does my account remain mine even if the contract ends?
Yes. Totally.
Think of your account as your personal financial center, not something tied to a specific company.
You retain full access to:
💰 Your Ontop Wallet
Your USD balance remains safe and available when you need it.
💳 Your Ontop card
Physical and digital cards continue to work normally for any purchase.
🔁 Withdrawals and transfers
It's your money. You can pick it up, send it or use it whenever you want.
🌍 All features
You can continue using:
P2P transfers
Payment for services (in enabled countries)
Future Fund
and more
🚀 Receive payments from a new client
Are you going to start another company?
You can link it to your current account without creating anything new.
Does it cost anything to maintain the account?
No. Maintaining your account is free.
There is only a small fee for inactivity. $10 USD , and applies in very specific cases.
When is the inactivity fee charged?
It is charged every two months only if these three conditions are met:
1️⃣ You do not have active contracts
2️⃣ You have money in your Wallet
3️⃣ You have not made any transactions for two consecutive months
If one of these conditions is not met, nothing is charged.
What if my balance is $0?
Then you will not be charged a commission. If your Wallet is at $0, the inactivity fee does not apply.
It's that simple.
How to easily avoid it?
Very easy.
Do a simple transaction every two months .
That's all.
What counts as a transaction?
Virtually any movement:
☕ Buy a coffee with your Ontop card
🏧 Withdraw money
🧾 Pay a bill
💸 Send a P2P transfer
📈 Use Future Fund to receive up to 3% APY
A small movement keeps your account active.
Your account is now created, configured and ready.
You don't need to start from scratch.
If you have questions about what to do, write to us.
We are with you 🤍
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