onTOP is a digital current account that offers both business and personal iban. onTOP is the online current account dedicated to companies and professionals, designed to simplify their daily financial life, payments and accounting, in addition to or in place of your traditional bank. We offer you a solution for the financial management of your business that you will no longer be able to do without. Mastercard® cards, IBAN and tailor-made services that will allow you to simplify the accounting of your company. Everything at your fingertips, everything in your smartphone: Mastercard cards, payments, business expenses and much more.

onTOP offers businesses and professionals a complete current account, equipped with all the payment options necessary to manage their business (physical and virtual cards, SEPA direct debits, bank transfers, etc.). However, there are differences between your onTOP account and a traditional checking account:

1. We do not offer loans or financing;
2. Your onTOP account cannot have a negative balance.

For the onTOP personal account the monthly fee is 10€

For the onTOP business account the annual fee is 180€

You can contact the support at the email address support@myontop.net or info@my-ontop.com or via whatsapp at +40744644713 7 days a week. Remember, however, that in your account you will always have the chatbox with which to talk directly with one of our operators.

To open an onTOP business account you need

FOR SOCIETY

1. Chamber of Commerce document (Chamber of Commerce certificate) no older than 90 days with QR code
2. Proof of address (such as telephone bill, electricity bill, bank statement, etc.) not older than 90 days
3. Identity document (passport or identity card) exclusively in the colors of all the DIRECTORS of the company. If the identity card is paper, you must also attach a health card
4. Proof of address of all administrators (such as telephone bill, electricity bill, bank statement, etc.) no older than 90 days

FOR SHAREHOLDERS (any natural or legal person with more than 10% of shares)

In the event that the shareholders are legal entities see above (for the company)

In the event that the shareholders are natural persons:

1. Identity document (passport or identity card) exclusively in color
2. Proof of address of all shareholders (e.g. telephone bill, electricity bill, bank statement, etc.) not older than 90 days

To open a personal account onTOP you need

1. Identity document (COLOR PHOTO front and back) identity card, passport or driving license
2. Proof of residence (COLOR PHOTO) no older than 90 days such as utility bill, bank statement, vehicle insurance etc.

For the opening of the onTOP personal account, the validity of the documents and a standard KYC process are verified. The credit check is not carried out. For the opening of the onTOP business account, the validity of the documents and a standard KYC process on shareholders and directors are verified. It is also verified that the company is still active and not in the process of closing. The company's creditworthiness is not checked.

In the UPLOAD section of the personal onTOP account, under BANK TRANSFER you can see all the details of your account (IBAN, BIC...) necessary to make a transfer to your account In the ACCOUNT section, entering your Iban you will find the box IBAN CERTIFICATE and SWIFT INSTRUCTIONS that will allow you to see respectively the data of your account and the instructions necessary to receive a SWIFT transfer.

onTOP provides both physical and virtual Mastercard debit cards (personal account only)

onTOP provides up to 5 Corporate cards (linked directly to one of the 3 Iban in the account)

onTOP provides up to 2500 Corporate cards (rechargeable and therefore not directly connected to the account iban). They are modifiable cards in all their aspects: limits, validity, use in the ways and times etc.

For the personal onTOP account you can have 1 physical card and up to 5 virtual cards.

For the onTOP business account up to 5 Corporate cards and up to 2500 corporate cards.

Conto onTOP personal

1. The withdrawal limits of the Physical card are: 400€ per transaction, 1. 200€ per day, 3 the maximum number of withdrawals per day, 15. 000€ the monthly limit, 50. 000€ the annual limit. The limits of use of the Physical card with POS are: 5. 000€ per transaction, 5. € 000 per day, 20 the maximum number of transactions per day, € 25,000 the monthly limit, 75,000 the annual limit.
2. The limits of use of the Virtual Card with POS are: € 5,000 per transaction, € 5,000 per day, 30 the maximum number of transactions per day, € 15,000 the monthly limit, € 50,000 the annual limit.

For the onTOP business account

1. The withdrawal limits of the Physical card are: € 500 per transaction, € 1,000 per day, 3 the maximum number of withdrawals per day, € 20,000 the monthly limit, € 75,000 the annual limit. The limits of use of the Physical card with POS are: € 25,000 per transaction, € 90,000 per day, 30 the maximum number of transactions per day, € 250,000 the monthly limit, € 1,000,000 the annual limit.

Yes, with all our physical Mastercard cards

Yes, the Mastercard onTOP card can be used wherever the Mastercard circuit is accepted as payment

Yes, you can freeze and defrost the paper whenever you want, or block it permanently and order a new one. Applies to both Business and Personal physical cards and Personal account virtual cards.

If you lose your card, simply block it from the card settings and order a new one.

For the onTOP business account: TO ORDER a CORPORATE card from the website enter the ACCOUNT section and click on your IBAN, then click on ORDER THE CARD. TO ORDER a COMPANY card you can proceed both from the website and from the IOS or ANDROID app by going directly to the CARDS section on ORDER THE CARD.

For the personal onTOP account : TO ORDER a PHYSICAL or VIRTUAL card just enter the CARDS section and click on ORDER A VIRTUAL CARD / ORDER A PHYSICAL CARD.

Delivery times for cards range from 7 to 10 days

To activate the physical cards just click on the ACTIVATE THE CARD button in the CARDS section and follow the instructions. Remember that the first physical use of the card must take place through the introduction of the card in the POS and not with contactless method

For PHYSICAL cards you will find everything printed on the onTOP card, for VIRTUAL cards in the app in the CARDS section you will find the list of all the virtual cards of that account (the middle digits of the card and the CVV will be sent to you by SMS when ordering the virtual card itself).

The card settings can be adjusted, both for the BUSINESS account and for the PERSONAL account, only from the WEB platform, thus using any internet browser.

The PIN code of your onTOP card is received when ordering the card via SMS. Remember that the first physical use of the card must take place through the introduction of the card in the POS and not with contactless method

For the onTOP business account: ACCOUNT then click on CARD SETTINGS and select I LOST MY CARD. Once locked you can immediately order a new one if you wish.

For the personal onTOP account : YOUR CARDS click on SEE ALL OPTIONS and then on CARD BLOCKING. You can block the card permanently only from the web platform.

Contact support at support@myontop.net or info@my-ontop.com or via whatsapp at +40744644713

For the onTOP business account: in the TRANSFERS/PAYMENTS section click on TO OTHER BANKS and follow the instructions to fill in your transfer

For the personal onTOP account : in the SEND section click on SEND TO ANOTHER IBAN and follow the instructions to fill in your transfer

For SEPA transfers from a few hours up to 3 days, for SWIFT transfers up to a week. Transfers from onTOP accounts to onTOP accounts are IMMEDIATE and FREE

For the onTOP business account the account administrator can appoint and create other users who will be able to make all kinds of transactions on the account

The SEPA area allows you to make transfers in euros within the European Union. It covers the following countries: 28 Member States of the European Union (EU) with the addition of Iceland, Norway, Liechtenstein, Switzerland, the Principality of Monaco and San Marino. From 1 March 2019 it also includes the Principality of Andorra and the Vatican City.

The SWIFT network allows you to make foreign currency transfers all over the world. Transfers made on the SWIFT network are also called extra-SEPA and have a different cost and method of sending from transfers in the SEPA area.

The cost for the incoming swift is 30€

Soon it will be possible to top up the onTOP account through a system of gift cards / bar codes at affiliated points of sale throughout Italy.

No, they are not subject.

By distributing company cards to your collaborators and employees you will have full control of the cash flow without the need to fill in expense reimbursement and without the need to keep receipts

Each time a payment is made, onTOP automatically records the beneficiary's data so that it can be reused the next few times. You can in fact choose at the time of the transfer between NEW BENEFICIARY or EXISTING BENEFICIARY

Each movement that is made on the account can be exported in various formats. It is accessed from the TRANSACTIONS section.

For the onTOP business account: The account statement can be downloaded from the ACCOUNT section by clicking on DECLARATIONS and selecting the period in which you are interested.

For the onTOP Personal account: The account statement can be downloaded from the TRANSACTIONS section.

For the onTOP business account: in the ACCOUNT section click on IBAN CERTIFICATE

For the onTOP Personal account: in the ACCOUNT DETAILS section click on CONSULT/DOWNLOAD THE IBAN CERTIFICATE HERE

For the onTOP business account: the payment of the annual plan of € 180 takes place at the time of opening the account and subsequently after one calendar year.

For the onTOP Personal account: the payment of the annual plan of € 120 is divided into 12 monthly installments of € 10, debited from the account monthly.

To close your onTOP account just send an email to support@myontop.net

Try to turn the phone off and on again, otherwise contact support at support@myontop.net or info@my-ontop.com or via whatsapp at +40744644713

By writing an email to support@myontop.net

By writing an email to support@myontop.net

For both accounts from the CARDS section there is the possibility to set the notification methods with which you want to receive alerts

For the onTOP business account: the 3 different roles available are Super Admin, Admin and Accounting

Only the Super Admin can create and disable new or existing users.

By writing an email to support@myontop.net

Access to the account has a double protection: personal password and OTP code sent via SMS to your mobile number indicated during registration.

Contact us immediately at the email address support@myontop.net or info@my-ontop.com or via whatsapp at +40744644713. And immediately freeze your card onTOP