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Mobile Top Up Sites: Which One is Right for You?

Mobile top up sites allow anyone to add credit to their phones on any network from anywhere in the world.

Travelers, for business, pleasure and work, are using these top up sites to keep credit on their international SIMs. This helps them stay connected on any country’s mobile network.

Depending on the user’s needs, some top up sites may be better suited than others. What region the phone number is registered in, payment method, and currency exchange rates are just a few of the things that you may what to consider when choosing a top up website.


Fees and Charges

While fees and charges exist across all platforms, some have better rates than others. Likewise, using certain types of payment methods may require banking fees or credit card fees.

On the same token, some top up sites allow you to pay using crypto currency, bypassing some of these fees.

We will focus on the following mobile top up websites, discussing their rates, some of the fees involved, and how you can access their platforms:

  • Mobiletopup.com
  • Ding.com
  • Recharge.com
  • Mobilerecharge.com
  • Bitrefill.com


What They All Have in Common

No matter where you decide to top up your mobile credit, fees and mark-ups are to be expected. All sites will have a mark up on the credit they provide and these mark-ups are included to cover a variety of cost.

I normally use mobiletopup.co.uk for charging Three UK sim card especially if the voyage is within Europe.

Credit cards, for example, charge 3% transaction fees that are covered in the mark-up. On the same note, there may be taxes that must be paid depending on what country the phone number is registered in.

Charging mark-ups is how mobile top up sites make their money and it is to be expected. Various top up sites charge different rates from one another depending on the site.



Mobiletopup.com is the first international mobile credit refill service based in Thailand. Currently, they provide top up credit in over 100 countries.

Mobiletopup.com has the most comprehensive payment options which include:

  • All major credit cards (Visa, MasterCard, American Express, Maestro)
  • PayPal
  • Alipay
  • JCB (Japan Credit Bureau)
  • Crypto currencies (Bitcoin, Ethereum, Dash, Monero, Litecoin, and more)
  • Coins.ph

They also specializes in charging for international Thai sim cards which carry with them attractive rates.



These are extremely popular with seafarers, international business travelers or anyone who often changes mobile networks. Using SIM cards or eSIMs that work globally and can be topped up online is a huge advantage to anyone looking for easy, fast connectivity.



Average mark-up for all countries will be around 14%. However, since Mobiletopup.com is based in Thailand, the mark-up on international Thai SIM cards is only 5%.

As of now, users can charge credit through Mobiletopup.com’s website and they are currently working on an app to bring their top up service to mobile devices. For international top ups, you will need to make an account and be verified. However, you don’t need to create an account for any top up within Thai networks.



Ding.com began charging mobile data in 2006 and has been one of the largest mobile reloading services. Currently, they offer top up options in over 140 different countries on a multitude of mobile networks.

You can top off your mobile credit with Ding.com in a number of ways:

  • On the Ding.com website
  • Thru their mobile app
  • In-store, over the counter at over 600,000 retailers worldwide



Ding.com on average charges a 18% mark-up for their top off services.

So, for example, if you topped up your mobile phone with $25 USD you would receive $20.50 USD of phone credit.

Ding.com top up


Ding.com accepts all major credit cards and PayPal. They do not have an option for those wishing to top up with crypto currency.

Ding does require you to open an account and be verified. This may take 24-48 hours depending on your country and mobile network. Once you have a Ding account, charging your credit will become much more efficient.



Recharge.com has recently joined forces with Rapido.com, a comprehensive prepaid digital code store, to provide an all-in-one top up resource.

So in addition to topping up your mobile phone credit, you can also get prepaid digital codes for your favorite online entertainment and retail services.

As of now, Recharge.com supports Visa, MasterCard, Discover, Maestro, Diner’s Club International, and PayPal.



Mark Up

On average, Recharge.com will cost you a 14% mark-up so a top up for $25 USD you will receive $21.50 USD in phone credit.

You will need to create an account with Recharge.com before you can top up but once your account has been verified you can easily recharge through their website.

Currently, top ups are only available on the site.



Mobilerecharge.com has been topping up phone credit since 2002. They have daily specials for top ups around the globe in a number of different countries.

Their partnership with Tello.com and Keepcalling.com enables them to offer an even wider range for their customers.



As of now, Mobilerecharge.com’s mark-up is around 10% meaning if you recharge with $25.00 USD you would receive $22.50 in mobile credit. Currently they support all major credit cards and PayPal for payment options.

Before you recharge your credit with Mobilerecharge.com, you will need to create an account with them. Once it has been verified, you will be allowed to top up mobile credit on any phone with ease.



Bitrefill.com is a multi-service top up operator that allows users to load and reload a wide range of online credit. They can provide top ups for services on game, travel, and eCommerce sites.

In addition to these, they also provide phone top up services in countries around the world. Moreover, most major retail gift cards and wallets can be refilled through their system.

What sets Bitrefill.com apart from other top up services is that they only accept crypto currencies. The currencies they accept are:

  • Bitcoin
  • Litecoin
  • Dash
  • Ethereum
  • Dogecoin
  • Lightning

Bitrefill.com does not require you to open an account with them to reload credit on their service. However if you do open an account with them you can store a balance on your own Bitrefill.com wallet.



In turn, this will give you much more efficient top ups with them. If you are a user of the Coinbase app, Bitrefill.com allows you to top up credit directly from you Coinbase account wallet.

Due to the comparatively small fees crypto currencies require for each transaction Bitrefill.com doesn’t take much for their mark-up, which can be as little as 1%.

This is one of the lowest mark-ups you can find, however, their usability for some is limited due to their crypto-only policy.


Short Comparison

Overall, the top up site you choose really depends on your needs. Some have cheaper rates and more payment options.

Comparison of Rates and Mark ups of various Mobile top ups

Comparison of Rates and Mark ups of various Mobile top ups


Also, the country in which your phone number is registered may carry with it less or more fees through different top up sites, so it’s important to look around and see what works best for you.



This article is a guest post by Mitchell of Mobiletopup.com.

May the winds be in your favor.



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