# How fast is your crypto top-up?

Your **first top-up** may take up to **10 minutes:** this includes the time required to **create and activate your virtual card**.

All **next top-ups** are much faster, usually completed within **1 to 5 minutes**, including the time it takes for the **transaction to be confirmed on the blockchain**.

This means you don’t need to pre-fund your card or send more than you plan to spend. You have **one card per Telegram account**, and there’s **no need to transfer funds** between your account balance and your card — they are one and the same.

In practice, **top-ups are processed almost instantly**, giving you real-time access to your funds whenever you need them.