OnTimePayFees & Pricing
Last updated October 2026
We always show the full fee and the amount the recipient gets before you confirm a payment.
- Opening an account
- Free
- Sending to another OnTimePay user
- Free
- Currency swap
- Shown as the exchange rate before you confirm
- Sending to mobile money or bank
- Shown before you confirm
- Card top-up
- Card processing fee shown before you confirm
- Agent cash deposit / withdrawal
- Shown at the agent before you confirm
- Virtual card
- Shown when you create the card