I love using Ontop to receive payments for my work as a contractor. I am able to transfer it seamlessly to my local bank account without any issues. I've faced no problems with any transfers despite using it for three years, and upon initiating a transfer, I receive the money in my bank account instantaneously. It's nice to be able to track my payment status within the app, and the customer support is great. The setup was very easy with clear steps, and the support team was very helpful.

I appreciate the flexibility Ontop offers, especially with the 'Reserve' plan that gives me 50% lower payout fees on fixed fees when transferring money. Using the Ontop card for everyday purchases and expenses allows me to earn up to 10% cashback, which was extremely valuable during a recent trip to Dubai where I earned almost $50 in just three days on regular expenses like meals and Uber rides. I might earn up to $200 more per month using the services and benefits they offer. Also, the onboarding experience is extremely intuitive and quick, allowing me to get started in less than a couple of hours.

I like that Ontop offers a lower fee for transferring funds to a US bank account, making the process more cost-effective for me. Setting up Ontop was very easy, and I was able to create an account within half an hour or less.