Top up an existing card
A normal crypto top-up credits your existing card directly. The account’s available balance for certain rewards and refunds is separate; you do not need to manually fund a shared wallet first.
- On the home screen, select Top Up and choose cryptocurrency.
- Enter an amount and compare You send with Card receives. The current minimum sent amount is $26; use the app’s quote for your own payment.
- Select an available network and pay the created invoice in the exact amount. Wait for a successful status and check the card balance.
How the fee is calculated
Universal’s top-up fee is 3.5%; Universal+’s is 4.5%. Before any bonus, the card receives the sent amount ÷ (1 + fee rate), rounded down to cents. Sending $100 gives $96.61 on Universal or $95.69 on Universal+. Any sending fee charged by your wallet or exchange is separate.
The first eligible successful top-up adds $5 separately from the amount after fees. This is a one-time bonus; an account that received it previously does not receive it again.