Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Wink review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Wink is a Costa Rican everyday account with a monthly fee of CRC 0 and a minimum deposit of CRC 0, and each account gets its own IBAN. It suits readers in Costa Rica who want a free account to hold and spend from, while PayPal top ups bring a charge.

Key facts

Best for
A Costa Rican everyday account that costs nothing to hold and pays out to a bank account or wallet
Monthly fee
CRC 0↗
Currencies
2↗
Free ATM withdrawals
$7↗
Transfer fee
Tiered fee USD 5 to USD 45 total per PayPal withdrawal↗
Legal entity
Coopenae R.L.↗
Headquarters
Costa Rica↗
Founded
2016↗
Support channels
Help-centre↗
Pricing model
No monthly fee
Features
Free ATM withdrawals
Official website
holawink.com

Savings

Minimum deposit
CRC 0↗
Access terms
Easy access, on-demand withdrawals; own IBAN per account; USD and CRC savings accounts, no minimum balance, no annual fee↗
Account kind
Easy access↗

Money transfer

Delivery time
Seconds, or up to 24 business hours↗
Payout methods
Bank, Wallet↗
Fee to send 1,000
$25↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • No monthly fee, with a minimum deposit of CRC 0
  • Each account has its own IBAN for local account details, the most common set up on the site at 73.8%
  • Free ATM cash withdrawals, up to $7
  • PayPal requests are credited in Seconds, or up to 24 business hours

Cons

  • Currencies are limited to 2, far fewer than Skrill at 47
  • Bringing funds from PayPal costs Tiered fee USD 5 to USD 45 total per PayPal withdrawal, which takes a large share of a small top up
  • Support runs on help centre alone, so a phone line or an email address is not part of the service
Wink

Ready to try Wink?

Scored 8.5 / 10 by VaultCue.

See alternatives

Who it suits

  • Readers in Costa Rica who want an everyday account with nothing to pay for holding it
  • PayPal users who want funds credited quickly to a bank account or wallet
  • People keeping a US dollar balance and a colón balance side by side

Who should look elsewhere

  • Readers who hold many currencies, since Skrill lists 47 against Wink's 2
  • Readers who want more than a narrow currency set, since PayPal Colombia lists 24

Fees and currency costs

The account carries a monthly fee of CRC 0, so holding it costs nothing and the balance can sit there without charge. The fee to watch is a PayPal top up, where fees run Tiered fee USD 5 to USD 45 total per PayPal withdrawal. Balance access, on demand withdrawals and the own IBAN on each account come with the account itself.

Who runs it

Wink is run by Coopenae R.L. and is headquartered in Costa Rica, so the account sits with a Costa Rican operator rather than a foreign branch. The service began in 2016, which makes it an established local name. Support runs on help centre alone, so written articles carry most questions.

How Wink compares

Where Wink is available

Available
Costa Rica

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Does Wink charge a monthly fee?+

No. The monthly fee is CRC 0 and the minimum deposit is CRC 0, so the account can be opened and held at no cost. Withdrawals are on demand, so money is available as soon as it arrives rather than at a set date.

What does it cost to bring money from PayPal?+

Top ups from PayPal are the chargeable part. Fees run Tiered fee USD 5 to USD 45 total per PayPal withdrawal, and a typical withdrawal comes to $25. The tiers mean a small top up gives up a bigger share of the amount moved, so frequent small requests cost more.

How many currencies can I hold?+

Wink holds 2, covering US dollars and Costa Rican colones in its savings accounts. That is enough for local spending and for holding a US dollar balance side by side, but it is a narrow range. Skrill, for comparison, lists 47.

What account types are on offer?+

Wink runs an easy access account, listed as easy access, alongside savings accounts in US dollars and colones. The savings accounts carry no minimum balance and no annual fee, and withdrawals are on demand rather than tied to a term. Anyone after a fixed term account would look elsewhere.

How do I get money out, and how fast do PayPal funds arrive?+

Money can be paid out to a bank account or a wallet, the payout methods listed. Cash withdrawals from physical cards are free, up to $7. Funds requested from PayPal are credited in Seconds, or up to 24 business hours, so a request can clear in moments.

Do I get local account details for receiving payments?+

Yes. Each account has its own IBAN, so incoming payments can be made with local account details rather than a card number alone. Local IBAN details are the most common arrangement on the site at 73.8%, ahead of US ACH details at 27.4%.

Is my money protected, and who runs the account?+

Wink is run by Coopenae R.L., based in Costa Rica, and the service started in 2016. No regulator and no deposit protection scheme is named for the account, so a balance held there has no stated cover. Readers who want protection should check the terms with the provider first.

Sources

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

Not confirmed yet: Licence type, Deposit protection, Currency conversion fee.

Wink

Wink

A Costa Rican everyday account that costs nothing to hold and pays out to a bank account or wallet

8.5/10See alternatives