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Airtm review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Airtm suits people who want a dollar balance and crypto trading on a prepaid Visa card, with a variable rate of 5.81% on money held. The monthly fee is $0, but loading costs 1% on first $200 per month and trading adds a taker fee of 2% to 4%.

Key facts

Best for
Dollar balances and crypto trading on a prepaid Visa card with a monthly fee of $0
Monthly fee
$0↗
Card type
Prepaid↗
Top-up fee
1% on first $200 per month↗
Card network
Visa↗
Legal entity
Airtm Inc.↗
Headquarters
United States↗
Founded
2015↗
Support channels
Email, Chat, Help-centre↗
Features
Virtual card
Official website
airtm.com

Savings

Headline rate
5.81%↗
Rate type
Variable↗
Minimum deposit
$5↗
Deposit protection
FDIC up to USD 250,000↗
Access terms
No minimum term, withdraw at any time↗
Account kind
Easy access↗
Regulators
FinCEN↗
Pricing model
No monthly fee

Crypto exchanges

Taker fee
2% to 4%↗
Exchange type
Cex↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • The monthly fee is $0, while Skrill charges €5.
  • The account carries deposit protection of FDIC up to USD 250,000.
  • There is no minimum term, money can be withdrawn at any time, and the minimum deposit is $5.
  • A virtual card is available alongside the prepaid Visa card for online spending.

Cons

  • Loading money is the real cost, and 1% on first $200 per month applies to what is topped up each month.
  • Trading is expensive at a taker fee of 2% to 4%, against a site median of 0.25%.
  • Support runs on email, chat and help centre only, with no phone line.
Airtm

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Freelancers and remote workers paid in dollars who want a card, a dollar balance and crypto in the same account.
  • Savers comfortable with a variable rate of 5.81% who may want the money sooner rather than later.
  • Online shoppers who want a virtual card as well as the prepaid Visa card.

Who should look elsewhere

  • Skrill, whose monthly fee of €5 gives a fixed charge to budget for, suits readers who would rather pay monthly than fund a crypto account.
  • JMMB Moneyline and JMMB Money Transfer prepaid card, with a monthly fee of JMD 0, suits readers after a plain prepaid card.
  • CrediMax Cardy EX prepaid Visa, whose Visa prepaid card runs at a monthly fee of BHD 0, suits readers whose only need is card spending.

Rates and card terms

The account pays a headline rate of 5.81%, and the rate is variable rather than fixed. A variable rate moves with market conditions, so the figure earned today is not locked in for a set period. Readers who need a guaranteed return for a set term will find a fixed-rate product a better match, so the rate here suits balances that can move at short notice.

Fees and FX

The charges that matter are the card's monthly fee and the cost of loading money. The card carries a monthly fee of $0 for holding the account, and loading money onto it costs 1% on first $200 per month. Because the top-up charge applies to part of what is loaded in a month, the bill grows with the amount moved rather than sitting at a fixed annual level.

How Airtm compares

Frequently asked questions

What does it cost to keep the card and add money?+

Keeping the card costs a monthly fee of $0. The cost sits on the money side: loading the card is charged at 1% on first $200 per month, and crypto trades take a taker fee of 2% to 4%. So holding the account is the cheap part, while moving money in and trading are where the bill grows.

What protection applies to the money on the account?+

The account carries deposit protection of FDIC up to USD 250,000, which sets the stated ceiling for deposits held there. The trading side runs as a centralised exchange, so crypto bought and sold is a different exposure from the cash balance. Readers weighing safety should keep those two apart.

Is the rate fixed or variable?+

The headline rate is 5.81% and it is variable, not fixed, so the return follows market moves rather than being locked for a set period. The site median headline rate is 3%, which puts Airtm above the middle of the listings.

Can I get my money out quickly?+

Yes, there is no minimum term and money can be withdrawn at any time, so the balance behaves like easy access rather than a notice account. The minimum deposit is $5, which means the account can be opened small and added to later as the balance grows.

What kind of card do I get?+

The card is prepaid rather than debit or credit, and it runs on the Visa network, so it works wherever Visa is accepted. A virtual card is offered as well, which suits online spending. The monthly fee on the card is $0.

How do I get help if something goes wrong?+

Support runs on email, chat and help centre, which covers email, chat and a help centre. There is no phone line among those channels, so anyone who prefers to talk a problem through should plan to use chat or email and keep the record in writing.

Sources

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Airtm

Airtm

Dollar balances and crypto trading on a prepaid Visa card with a monthly fee of $0

9.0/10See alternatives