> For the complete documentation index, see [llms.txt](https://faq.wanttopay.net/wanttopay-app/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://faq.wanttopay.net/wanttopay-app/english/general-questions/internal-wallet..md).

# Internal Wallet.

**The Wanttopay Internal Wallet** is the safest way to store funds within the service.\
It is not directly linked to a card and is designed to protect your balance in case of temporary technical issues on the card provider’s side.

Funds stored in the internal wallet can be used **at any time** to top up **Easy, Smart, and Pro** cards — **with no fees**.

***

### ❓ Frequently Asked Questions

#### Is there a fee for topping up a card from the internal wallet?

**No.** Card top-ups from the internal wallet are processed **with zero fees**.

***

#### How long does it take for funds to be credited to the card?

**Instantly.** Funds are credited to the card immediately after the operation is confirmed.

***

#### Can I keep funds in the internal wallet on a long-term basis?

**Yes.** You may use the internal wallet as your primary or reserve balance and transfer funds to your card whenever it is convenient.

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#### Is the internal wallet safer than keeping funds on a card?

**Yes.** Funds stored in the internal wallet are not dependent on the availability of external card providers and remain accessible even during temporary technical disruptions.

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#### Which cards can be topped up from the internal wallet?

The internal wallet can be used to top up cards under the **Easy, Smart, and Pro** plans.

***

#### Where can I top up my card from the internal wallet?

Via **@WanttopayBot**:

1. Select your card
2. Tap “Top up”
3. Choose the internal wallet as the funding source

***

#### Are there any limits on top-ups from the internal wallet?

Limits depend on your card plan and current service conditions.\
All applicable limits are displayed in the interface before confirming the transaction.

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#### What happens if my card is temporarily unavailable?

Your funds remain safely stored in the internal wallet and are **not lost**.\
Once card services are restored, you can use your funds without any additional action.


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