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Airtm review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Airtm is a prepaid card from Airtm Inc. with a monthly fee of $0, so it suits people who want to spend money they have already added rather than borrow. The charge to watch is the load fee, which runs 1% on first $200 per month.

Key facts

Best for
Spending money you have already added, with no charge to keep the account open.
Monthly fee
$0 (Source, checked September 26, 2026)
Card type
Prepaid (Source, checked September 26, 2026)
Top-up fee
1% on first $200 per month (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Legal entity
Airtm Inc. (Source, checked September 26, 2026)
Support channels
Chat, Email, Help-centre (Source, checked September 26, 2026)
Features
Virtual card
Official website
airtm.com

Credit cards

Legal entity
Airtm Inc. (Source, checked September 26, 2026)
Support channels
Chat, Email, Help-centre (Source, checked September 26, 2026)
Features
Virtual card

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • There is no monthly charge, with a monthly fee of $0.
  • It runs on the visa network, and the card is virtual card for paying online.
  • The card is prepaid, so you spend only what you have added.
  • Help is easy to reach through chat, email and help centre.

Cons

  • The load fee of 1% on first $200 per month is the only charge you control, so frequent top-ups add up.
  • Support runs on chat, email and help centre only, with no phone line for urgent questions.
  • The card is virtual card, so you have no physical card in a wallet.
Airtm

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Scored 9.4 / 10 by DebitCue.

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Who it suits

  • People who add money when they need it and spend that balance down, since the card is prepaid.
  • Anyone paying mostly online or by phone, since the card is virtual card.
  • People who want a card with no standing monthly cost, at $0.

Who should look elsewhere

  • Skrill, if you would rather budget a monthly fee of €5 than pay a load fee of 1% on first $200 per month each time you add money.
  • CrediMax Cardy EX prepaid Visa, whose monthly fee is BHD 0, if you do not want a virtual card.

Fees and FX

Airtm has a monthly fee of $0, and the charge to plan for is on adding money, which runs 1% on first $200 per month. That makes the cost depend on how often you load and how much you add, not on keeping the card open each month. Work out your own loading pattern before you rely on the card day to day.

The company behind it

The card is issued by Airtm Inc., and support runs on chat, email and help centre. Most questions can be sorted in the help centre, and chat and email cover the rest, so you are not relying on a phone line. Look up your question in the help centre first, then move to chat or email if the answer is not there.

How Airtm compares

Frequently asked questions

What does Airtm cost each month?+

Airtm has a monthly fee of $0, so holding the account open does not cost you anything by itself. The charge to plan for comes when you add money, which runs 1% on first $200 per month. Anyone who loads regularly should check how that charge applies to their own pattern.

Is Airtm a debit, prepaid or credit card?+

It is a prepaid card, so you spend what you have added to the account rather than borrowing on a plan. The card is also virtual card, which means the details exist for paying online or over the phone instead of a plastic card in a wallet.

Which network does the Airtm card run on?+

The card runs on the visa network. Across the cards compared here, 58.6% sit on that network, which is why a card on it is the lower friction choice for shop and online payments.

How do I get help from Airtm?+

Support runs on chat, email and help centre, so the help centre is the place to start and chat and email cover the questions it does not answer. There is no phone line in that list, so plan for a written answer rather than a call.

Who does the Airtm card suit?+

It suits people who add money and spend it straight away without a monthly charge, since the monthly fee is $0 and the card is prepaid. It also suits anyone who mainly pays online, because the card is virtual card.

What happens when I add money to the card?+

Adding money is where the cost sits: the load fee runs 1% on first $200 per month. Set that against the monthly fee of $0 and you can see why a card that is free to hold still charges you for top ups. If you add money often, the loading terms matter more than anything else here.

How does Airtm compare with Skrill on cost?+

Airtm charges a monthly fee of $0, while Skrill's monthly fee is €5. The trade off is what happens when you add money, since Airtm's load fee runs 1% on first $200 per month. If you add money rarely, a fixed monthly cost may sit better with you.

Sources

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Airtm

Airtm

Spending money you have already added, with no charge to keep the account open.

9.4/10See alternatives