Send, receive, and move digital dollars completely on your own terms. Your Personal Account is your independent financial space inside Ontop, no contract or company needed.
What is it exactly?
A USDc account inside your Global Account, powered by BVNK. Use it however you want: receive payments, send money, manage your balance.
USDc is a stablecoin pegged 1:1 to the US dollar. Stable, global, and always available.
Add funds
Pick whichever option works best for you:
- 🏦 Bank transfer (ACH / Wire) → 1 business day
- 🌍 International wire → up to 5 business days
- ₿ Crypto (USDc) → instant
- 💱 Local currency → available in Colombia, Mexico, Chile, Brazil, and Europe. Coming soon to Peru, Canada, and Argentina
- ⚡ From your Payroll Account → instant, but one-way only. Once you transfer, there's no going back.
For step-by-step instructions on each method, see "Add funds to your account".
Send money
From your Personal Account you can send to:
- 🏦 Bank accounts
- ₿ Crypto wallets
- 💳 Debit cards
- 📱 Payoneer, Zinli, AstroPay
- 👤 Other Ontop users with a Personal Account
Ontop users tranfers only works between Personal Accounts. You can't send to or receive from a Payroll Account, and vice versa.
Get paid by your clients
Share a payment link and receive money directly in your USDc balance. Your clients can pay in their local currency and it lands converted automatically.
What's new:
- You can now select your own country as the client's country when creating a request.
- When adding a new client, you can include their phone number. It's not required to create the request.
Your Ontop Platinum Card
Your card runs on your Global Account balance. You choose which account to spend from:
- 💵 USD → from your Payroll Account
- 🔵 USDc → from your Personal Account
To switch: Card settings → Card currencies. Make sure you have enough balance in the selected account to avoid declines.
With your card you can:
- Pay in physical stores and online in 200+ countries
- Withdraw cash at ATMs
- Track transactions in real time from the app
Future Fund
Put your USDc balance to work. Future Fund is now available for your Personal Account.
- Future Fund: up to 3% APY (3.5% APY for Reserve members)
- Future Fund +30: 4.0% APY fixed (4.25% APY for Reserve members)
Activate it from Home → "Earn rewards" in the app.
For more details, see "Future Fund: your balance generating rewards, always".
Reserve
Reserve benefits apply to purchases made with your Ontop Platinum Card, regardless of whether your balance comes from your Payroll Account or your Personal Account.
With Reserve you get:
- Up to 10% cashback on key categories
- 50% off bank transfer fees
- Reserve Credits: reimbursements on experiences, wellness, pets, and learning
- VIP airport lounge access
- Preferential rates on Future Fund
For full details, see "Welcome to Reserve".
Good to know
- Your Personal Account is not a bank account. USDc assets are digital, held in custody by BVNK.
- Some transactions may have fees according to BVNK's and Ontop's current policies.
- Use is subject to transaction limits, geographic restrictions, and variable processing times.
Need help?
Reach out from the app or at support@getontop.com. We're here.