is committed to increasing the number of fiat top-up methods, so that everyone can enjoy the benefits of our lowest possible pricing on crypto purchase. Today, we’re highlighting that both TransferWise and PayPal are very efficient methods to transfer funds into our Wallet App using the EUR IBAN facility (for SEPA) and the upcoming USD ACH (for USA). does not charge any fees on these top-ups. TransferWise and PayPal fees will apply, but in most cases, it’s much more cost-efficient comparing to a credit card purchase.

Step-by-Step: How to Top-up Wallet App


Step #1. Register an account on

Registration can be done via TransferWise website or the TransferWise App. The info needed is an email address or Google/Facebook account.

Step #2. Set up your first transfer

In the TransferWise calculator, key in the money you want to send (currency and amount), and the transfer currency Euro.

Step #3. Complete KYC process:  Login via Singpass or upload standard ID documents

Step #4. Send funds

Key in bank account number [insert IBAN info];

Key in the reference number provided to you [insert TransferWise reference number] in the “comments” section to ensure the funds are attributed to you.

You can select to pay via 1) bank transfer, or 2) PayNow.


With PayPal, users need to top-up their PayPal balance first, and then send from PayPal to their EUR IBAN or USD ACH accounts. In other words, a 2-step payment is needed (vs. 1-step process in TransferWise).