Airtm review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Airtm is a digital account and wallet for expats and freelancers who need money to land in several countries, with a headline rate of 5.81% and no minimum term. Fees and payouts lean towards the traveller rather than the fixed-term saver.
Key facts
- Best for
- Expats and freelancers who want their money paid out at home without tying it up.
- 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↗
- Monthly fee
- $0↗
- Account kind
- Easy access↗
- Legal entity
- Airtm Inc.↗
- Headquarters
- United States↗
- Founded
- 2015↗
- Support channels
- Email, Chat, Help-centre, Community↗
- Pricing model
- No monthly fee
- Official website
- airtm.com
Everyday accounts
- Transfer fee
- Free Airtm-to-Airtm transfers↗
- Audience
- Expats, Freelancers
- Features
- Digital-only
Money transfer
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInXdiscord.gg
Pros and cons
Pros
- A headline rate of 5.81% sits above the site median of 3% for easy-access accounts.
- Money can be paid out to a bank account, a cash pickup point, a wallet or a card.
- Starting balances can be as little as $5.
Cons
- Support runs on email, chat and help centre only, without a phone line.
- The rate is variable, so the headline figure can move.
- The card is digital only only, so there is nothing physical to carry.
Who it suits
- Expats and freelancers who need a payout in the country they now live in.
- Anyone moving money between accounts who values speed over a fixed term.
- People who want a US company with deposit protection behind the balance.
Who should look elsewhere
- Plazo ES, if you would rather hold a card with a headline rate of 24.19% than move money between countries.
- AXI Card, whose headline rate of 21.59% is aimed at a single market rather than cross-border payouts.
- PayPal Colombia, whose headline rate of 3.3% suits people who want a plain wallet balance.
Deposit protection
Balances carry deposit protection of FDIC up to USD 250,000, so the account sits inside the US deposit insurance scheme. The company behind it is registered with the Financial Crimes Enforcement Network in the US under licence 31000329787639, which puts the account inside a regulated US structure rather than an offshore wallet.
The company behind it
Airtm runs as Airtm Inc., registered in the US and founded in 2015. Support is handled through email, chat and help centre, so help is written and in-app rather than by phone. The 31000329787639 licence sits with the same US company, which is the entity behind the account and the payments side.
How Airtm compares
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Where Airtm is available
- Available
- Argentina, Bangladesh, Bolivia, Brazil, Chile, Colombia, Dominican Republic, Ecuador, India, Kenya, Mexico, Nepal, Pakistan, Paraguay, Peru, United States, Venezuela
- Licence in United States
- FinCEN (Financial Crimes Enforcement Network) (31000329787639), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold an Airtm account?+
The account carries a monthly fee of $0 and asks for a minimum deposit of $5, so the running cost is small. Sends to another Airtm user are Free Airtm-to-Airtm transfers, and payouts to a bank account, cash pickup point, wallet or card all use the same balance.
Is my money protected at Airtm?+
Balances carry deposit protection of FDIC up to USD 250,000, which is the US deposit insurance scheme. Airtm is registered with the Financial Crimes Enforcement Network in the US under licence 31000329787639, so the account runs inside a regulated US company rather than an offshore wallet.
What rate do I get and can it change?+
The investments side pays a headline rate of 5.81%, and the rate type is variable, so the figure can move rather than stay fixed for a set period. The account is easy access with no minimum term, which suits people who may need the money back at short notice.
How do I get money out, and how fast?+
Payouts go to a bank account, a cash pickup point, a wallet or a card, which are the options listed under bank, cash pickup and wallet. Delivery is quoted at Under 6 minutes, so most transfers land well inside a normal banking day.
Who is Airtm built for?+
The stated audience is expats and freelancer, which points at people whose income and everyday costs sit in different countries. The company is based in the US and the account kind is easy access, so the balance stays accessible rather than tied up.
Does Airtm have a card I can hold?+
The card is digital only, so there is no physical plastic to carry or hand over. Payments and payouts still run through the app and its payout options, so anyone who keeps a physical card as a backup should weigh a different provider.
How do I get help from Airtm?+
Support runs through email, chat and help centre, so help is by email, chat, the help centre and the community. There is no phone line in that list, which matters if you need to resolve a stuck payout while it is urgent.
Sources
- bridge.xyz/card-agreements/airtm-card checked September 26, 2026
Backs: Features
“There are no monthly fees”
- coinworldstory.com/airtm checked September 26, 2026
Backs: Audience
“Save in dollars without losing value from unstable currencies”
- airtm.com checked September 26, 2026
Backs: Delivery time, Payout methods
“allowing users to cash out earnings in under six minutes or less”
- airtm.com/en checked September 26, 2026
Backs: Deposit protection, Founded, Headquarters, Legal entity, Licences
“It has been operating since 2015 and complies with compliance regulations and anti-money laundering prevention (AML/KYC).”
- airtm.com/en/contact checked September 26, 2026
Backs: Support channels
“Our contact channels are available to you”
- airtm.com/en/solutions/investments checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type
“There is no minimum term. Once you invest, you can withdraw your investment at any time.”
- carlosmaiz.com/en/airtm-in-kenya-the-complete-guide-to-us... checked September 26, 2026
Backs: Transfer fee
“Sending AirUSD to another Airtm user - Free”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term.
Related by the facts
Airtm
Expats and freelancers who want their money paid out at home without tying it up.