Wanttopay review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Wanttopay suits travellers who already hold crypto and want multi-currency balances and a virtual card in the same app. Monthly fees run $0 to $6, so the account can be free, but the top plan is not, and the 9% crypto top-up fee decides whether it stays worth it.
Key facts
- Best for
- A crypto holder travelling with more than one currency who wants a card in the app.
- Monthly fee
- $0 to $6 (Source, checked September 26, 2026)
- Card type
- Virtual (Source, checked September 26, 2026)
- Top-up fee
- 9% crypto top-up fee (Source, checked September 26, 2026)
- Legal entity
- WTP Technology Limited (Source, checked September 26, 2026)
- Headquarters
- Hong Kong (Source, checked September 26, 2026)
- Founded
- 2022 (Source, checked September 26, 2026)
- Support channels
- Chat, Email, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Crypto, Virtual card, Travel
- Official website
- wanttopay.net
Apps and profiles
- Elsewhere
- t.me
Pros and cons
Pros
- The card is virtual, so there is nothing to carry and nothing to lose from a bag.
- One account covers multi currency, crypto and virtual card.
- The account is run by WTP Technology Limited and is based in Hong Kong.
Cons
- The 9% crypto top-up fee applies on every crypto top-up, and that is the cost to watch.
- Monthly fees run $0 to $6, so the account is not always free to keep.
- Support runs on chat, email and help centre only, with no phone line listed among them.
Who it suits
- Travellers who would rather keep a card in the app than a plastic one in a wallet.
- People who hold crypto and want to load and spend from the same account.
- Anyone comfortable picking a paid plan, since monthly fees run $0 to $6.
Who should look elsewhere
- Wise, at £0 a month, if you would rather pay nothing to hold the account.
- Starling Personal Account Debit Card, at £0 a month, if a virtual card and travel balances are not what you need.
- Bitpanda, at €0 a month, if paying the 9% crypto top-up fee on every load does not suit.
How Wanttopay compares
8.8 vs 9.4
8.8 vs 9.0
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8.8 vs 9.2Bitpanda charges €0 a month, so it suits anyone who does not need the crypto top-up route.
8.8 vs 9.0
8.8 vs 8.9
8.8 vs 8.8
8.8 vs 9.6
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8.8 vs 8.0
Frequently asked questions
How much is the monthly fee?+
Monthly fees run $0 to $6, so the cheapest plan costs nothing while the top plan charges more. Compare that with Wise at £0 a month. The extra cost to watch sits in loading money, since the 9% crypto top-up fee applies on every crypto top-up.
What does it cost to top up with crypto?+
The 9% crypto top-up fee is charged each time you load crypto onto the account, on top of a monthly fee that runs $0 to $6. Crypto users pay on each count. If you load before travelling, the charge applies to that load, while regular loaders pay it again on every top-up.
Who runs Wanttopay?+
The account is run by WTP Technology Limited and is based in Hong Kong. The legal terms come from that company, so the agreement is the place to check how your money is held. It was founded in 2022 and lists multi currency, crypto and virtual card as its offering.
How do I get help if something goes wrong?+
Support runs on chat, email and help centre, with no phone line listed among them. The help centre covers routine questions on fees and card use, while chat and email take anything more involved. Keep the written trail of any issue raised while you are away from home.
What kind of card is it?+
It is a virtual card, and the account covers multi currency, crypto and virtual card. Nothing physical goes in a bag or a wallet, which is the point for frequent travellers. The flip side is that the card exists only in the app, so a flat battery at the till stops payment.
Can I use it on a trip with more than one currency?+
The account lists multi currency, crypto and virtual card, so travel and multi-currency balances are part of the design rather than an add-on. The card is virtual, so there is no delivery to wait for before a trip. Budget for the monthly fee of $0 to $6 and the 9% crypto top-up fee if you load crypto while away.
How does the monthly fee compare with the alternatives?+
Wanttopay runs $0 to $6 a month, while Wise charges £0 and Bitpanda charges €0. Starling Personal Account Debit Card is £0 a month as well. What sets Wanttopay apart is the 9% crypto top-up fee that comes with crypto loads.
Is it worth it for me?+
It is worth it if you hold crypto, travel often and are relaxed about the 9% crypto top-up fee on each load. It is worth less if you want a plan that costs nothing every month, because monthly fees run $0 to $6 while Wise sits at £0. The top plan is the one to check before you commit.
Sources
- wanttopay.net checked September 26, 2026
Backs: Card type, Features, Founded, Headquarters, Support channels
“WTP Technology Limited (HK). Incorporation number: 76394774. Unit 1603, 16th Floor,The L. Plaza, 367 - 375 Queen's Road Central, Sheung Wan, Hong Kong”
- wanttopay.net/cards/pricing checked September 26, 2026
Backs: Top-up fee, Monthly fee
“Ежемесячное обслуживание: Prepaid $0; Easy, Smart, Pro $6/мес (monthly service per plan on the plan comparison table)”
- wanttopay.net/legal/agreement checked September 26, 2026
Backs: Legal entity
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.
Wanttopay
A crypto holder travelling with more than one currency who wants a card in the app.