Wanttopay review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Wanttopay suits crypto holders who want a virtual card for everyday spending rather than a full exchange account. The card is funded with crypto at a top-up charge of 9% crypto top-up fee, while the monthly fee runs $0 to $6, so funding costs more than holding does.
Key facts
- Best for
- A virtual card for crypto holders who spend often and want a low monthly cost.
- Monthly fee
- $0 to $6↗
- Card type
- Virtual↗
- Top-up fee
- 9% crypto top-up fee↗
- Legal entity
- WTP Technology Limited↗
- Headquarters
- Hong Kong↗
- Founded
- 2022↗
- Support channels
- Chat, Email, Help-centre↗
- Features
- Multi-currency, Crypto, Virtual card, Travel
- Official website
- wanttopay.net
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Elsewhere
- t.me
Pros and cons
Pros
- The card is virtual, so there is no plastic to carry, lose or leave behind.
- Listed features cover multi currency, crypto and virtual card, putting multi-currency and travel spending next to crypto.
- Support runs on chat, email and help centre, so help is available in the app as well as by email.
Cons
- Crypto top-ups carry 9% crypto top-up fee, which is the real cost of funding the card.
- Support runs on chat, email and help centre only, with no phone line in the list.
- Monthly fees run $0 to $6, where £0 is listed for Monzo Flex.
Who it suits
- Crypto holders who want a card in the phone for everyday spending, since the card type is virtual.
- Travellers paying in several currencies, given the multi-currency and travel entries in multi currency, crypto and virtual card.
- Readers who will fund the card from crypto and treat the 9% crypto top-up fee top-up charge as the price of loading it.
Who should look elsewhere
- Monzo Flex, listed at £0 a month, for readers who want a flat fee instead of a crypto top-up charge.
- Wise, listed at £0 a month, for anyone who would rather not hold a crypto-funded card.
- Bitpanda, listed at €0 a month, for readers weighing a free monthly fee against the $0 to $6 range here.
How Wanttopay compares
8.8 vs 9.4
8.8 vs 9.0
8.8 vs 8.2
8.8 vs 9.5
8.8 vs 9.6
8.8 vs 9.0
8.8 vs 9.1Listed at €0 a month, so it suits readers comparing a card with no monthly cost against funding charges.
8.8 vs 8.9
8.8 vs 8.1
8.8 vs 8.2
8.8 vs 9.5
8.8 vs 9.4
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 8.9- 8.8 vs 8.8
8.8 vs 8.8
8.8 vs 8.6
8.8 vs 8.5
8.8 vs 8.3
Frequently asked questions
How much does a Wanttopay card cost to keep?+
The monthly fee runs $0 to $6, so there is a free tier and a higher priced one. Crypto top-ups are charged separately at 9% crypto top-up fee, and that is the figure to watch if the card is funded mainly from crypto holdings.
Is the Wanttopay card physical or virtual?+
The card type is virtual, so the card details are used from a phone rather than from a piece of plastic. That suits online shopping and travel bookings, and it also means nothing to lose or misplace. The listed features, multi currency, crypto and virtual card, pair crypto with multi-currency and travel use.
Which company runs Wanttopay, and where is it based?+
The service is run by WTP Technology Limited, a company founded in 2022 and based in Hong Kong. Questions about the account go to chat, email and help centre. Crypto holders who want a named institution behind the card should weigh those details before topping up.
What can the Wanttopay card be used for?+
The listed feature set is multi currency, crypto and virtual card, so the card is aimed at crypto users who also spend abroad or book travel. It is a spending card funded from crypto rather than a savings product, and the card type of virtual keeps it in the phone.
How do I get help if my card is blocked while travelling?+
Support runs on chat, email and help centre, so a help centre, chat and email are the routes in. There is no phone line in that list, which matters when a card is declined abroad. The entity behind the account is WTP Technology Limited.
Is Wanttopay cheaper than Monzo Flex, Wise or Bitpanda?+
On the monthly fee alone, Wanttopay is not the cheapest: its fee runs $0 to $6, where £0 is listed for Monzo Flex, £0 for Wise and €0 for Bitpanda. Where Wanttopay differs is funding, with a crypto top-up charge of 9% crypto top-up fee.
Do I need to hold crypto to use a Wanttopay card?+
The card is funded by topping up with crypto, and that top-up is charged at 9% crypto top-up fee. The listed features are multi currency, crypto and virtual card, which pair crypto with multi-currency and travel spending. Monthly fees run $0 to $6, so the account is cheap to hold but not to load.
Who is the Wanttopay card aimed at?+
It suits readers who already hold crypto and want to spend it without running a separate exchange account, since the features are multi currency, crypto and virtual card and the card type is virtual. It suits less well anyone who spends at home and wants no 9% crypto top-up fee top-up charge.
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.
Related by the facts
Wanttopay
A virtual card for crypto holders who spend often and want a low monthly cost.