What Is Aircash? The Prepaid Wallet App Explained (2026)

Not everyone wants to link a bank card to every app, and not everyone has one. That is exactly the gap Aircash fills. Born in Croatia, it has grown into a prepaid digital wallet used by almost two million people across Europe. You can fill it with cash or a voucher, pay bills and parking, send money to friends and shop online. Here is what Aircash is, how it works, how to top it up with a voucher and whether it is the right wallet for you.

Aircash in a Nutshell

At its core, Aircash is a mobile wallet. You download the app, register, add money, and then spend that balance in many different ways. Unlike a bank, it does not require a bank account or a card to get started.

In other words, it sits somewhere between a prepaid card and a payment app. As a result, it is popular with people who want a separate wallet for online spending, as well as with those who prefer to pay with cash.

The name says a lot about the idea: cash that moves through the air, from a kiosk or a voucher straight into your phone. That simple concept is why Aircash grew so quickly in Croatia and then spread to other European countries.

The Company Behind the App

Aircash is run by Aircash d.o.o., a fintech company based in Croatia. It started in 2015 and in 2019 became the first digital wallet in Croatia with an electronic money institution licence. That licence allows it to issue electronic money across the EU.

Since then, the company has expanded well beyond its home market. According to Aircash, it now works in more than 16 countries, supports over 10 currencies and connects to more than 500 services. In addition, it reports more than 250,000 points of sale in its network.

For users, this matters because a licensed e-money institution has to follow strict EU rules, including how it protects customer funds. We look at that in more detail in the safety section below.

Getting Started in Five Minutes

Setting up the app is quick, and you do not need any paperwork for the first steps. Here is the usual flow:

After that, your wallet is ready. You can check your balance on the home screen, and every top-up and payment appears in the transaction history.

If you plan to use vouchers only, you can start with small amounts and verify later. However, verifying early saves time if you know you will need higher limits, for example for larger online purchases.

What You Can Do With the Aircash App

The Aircash app combines several everyday payment tools in one place. Depending on your country, you can use it to:

• Pay online: check out with Aircash at shops and services that accept it.
• Pay bills: scan the barcode on a bill and pay it from your balance.
• Handle daily costs: pay for parking, public transport and tickets.
• Top up phones: recharge prepaid mobile numbers with local operators.
• Buy digital content: vouchers for gaming and entertainment services.
• Send money: transfer funds to friends and family.

Not every feature is available in every country. For example, bill payments and phone top-ups are strongest in Croatia, where Aircash started. So, check the app in your own country to see which services are live.

Top Up Aircash With a Voucher

The easiest way to add money without a bank card is a prepaid Aircash voucher. You buy the voucher, receive a code and redeem it in the app. The full value then appears in your balance.

Because the voucher is paid for separately, nothing links your bank card to the app. Moreover, the balance only grows by the amount you choose, which makes it easy to control your spending.

Vouchers are also handy as a gift. If a friend or family member uses Aircash, you can send them a code instead of cash, and they decide how to spend it. Since the code arrives within minutes, it works even for last-minute presents.

Other Ways to Add Money

Vouchers are only one option. Aircash also supports several other ways to add money, depending on where you live:

• Cash at partner locations: in Croatia, for example, at kiosks and petrol stations in the Aircash network.
• Bank cards: Visa, Mastercard and Maestro cards can be used to top up.
• Transfers from other users: friends can send money directly to your wallet.

Cash top-ups are a big part of the Aircash story. They let people who prefer cash take part in online shopping without opening a bank account. However, the list of cash partners differs from country to country, so check the map in the app.

If you do not live near a partner location, a voucher is usually the most convenient option. You can buy it online at any time, and it arrives within minutes.

Aircash Vouchers by Country

Aircash vouchers are issued for a specific country, and the voucher should match the country of your Aircash account. On TopGift, you can choose from seven euro-zone countries:

If you are not sure which one to choose, pick the country where you registered your Aircash account. That way, the voucher is accepted without any problems.

All seven vouchers are issued in euros, so there is no currency conversion between what you pay and what lands in your wallet. In other words, a 20 EUR voucher adds exactly 20 EUR to your balance.

Paying Online With Aircash

One of the main reasons people use Aircash is online shopping. Many web shops and digital services list Aircash as a payment option at checkout.

The process is simple. At checkout, you choose Aircash, then confirm the payment in the app on your phone. Since the money comes from your Aircash balance, the merchant never sees your bank card details.

For example, many online games, ticket shops and digital service providers in Central and Southern Europe accept Aircash. The exact list changes over time, so the best way to find out is to look for the Aircash logo among the payment options at checkout.

This also makes Aircash a good fit for sites where your bank card is declined, for example because a foreign merchant looks unusual to your bank. If a shop does not accept Aircash directly, you can often use another prepaid method instead. Our guide on how to pay online without a bank card lists the main options.

A Prepaid Mastercard for Your Balance

Aircash also offers its own prepaid Mastercard, which has been available for several years. The card is linked to your wallet balance, so you can pay with it in shops and online wherever Mastercard is accepted.

In practice, the card turns your Aircash balance into a regular payment card. That is useful when a shop does not support Aircash directly. Card availability and fees depend on your country, so check the card section in the app for details.

If you only need a card number for online shopping, a virtual prepaid card can be an alternative. See our article on virtual prepaid cards without a bank account for more.

Sending Money to Friends

Aircash lets you send money to other users, both within your country and abroad. This is handy for splitting a bill, paying back a friend or sending a small amount to family.

• Instant between users: transfers to other Aircash users usually arrive right away.
• Cross-border options: international transfers are available in supported countries.
• Cash withdrawals: in Croatia, you can withdraw cash at partner ATMs without a card.

As always with money transfers, double-check the recipient before you confirm. Payments to the wrong person are hard to reverse.

Transfers between users can also replace small cash payments. For example, friends can split a restaurant bill or chip in for a shared gift without anyone needing to share bank details.

Gaming and Digital Content

Digital entertainment is one of the most common uses for Aircash. In several countries, the app lets you buy vouchers for gaming and entertainment services directly from your balance.

For example, in Croatia, Aircash has offered PlayStation vouchers inside the app. In addition, many online games and digital stores accept prepaid methods at checkout, which makes a voucher-funded wallet a convenient way to pay without a card.

If a game or store does not accept Aircash, a gift card for that platform is often the simplest alternative. Browse our gaming cards for Steam, PlayStation, Xbox, Nintendo and more.

Is Aircash Safe

Aircash is a licensed electronic money institution, which is the same type of licence used by many well-known European payment apps. That means it must follow EU rules on how it handles customer money.

Under these rules, e-money institutions must keep customer funds separate from their own money. In addition, the app protects your account with a PIN and phone-based security.

To stay safe, never share your login or voucher codes with strangers, and only redeem codes inside the official app. For more warning signs, read our guide to gift card scams in 2026.

Limits and Verification

Like every licensed e-money service, Aircash has to follow EU anti-money laundering rules. In practice, that means limits on how much you can add and spend, especially before you verify your identity.

• Basic use: small top-ups and payments are usually possible soon after registration.
• Higher limits: uploading an ID document in the app unlocks larger amounts.
• Country rules: the exact limits depend on your country and the type of transaction.

If a top-up or payment is rejected, a limit is often the reason. Check the limits section in the app, and complete verification if needed. For more on why apps and shops ask for this, see our article on account verification.

Fees in Plain Words

Aircash describes many of its basic features as fee-free, such as several types of top-ups and bill payments in Croatia. However, fees can differ by country and service, especially for card payments, international transfers and cash withdrawals.

Therefore, the safest approach is to check the fees section in the app before you use a service for the first time. It lists the current charges for your country and account.

Voucher top-ups are straightforward: the value printed on the voucher is the value that arrives in your balance. That makes it easy to know exactly how much you have to spend.

It is also worth comparing the cost of different top-up methods if you use the wallet often. For instance, a voucher bought in the right currency avoids card conversion fees, which can add up over many small top-ups.

A Wallet Instead of a Bank Account

For many users, Aircash is a lighter alternative to a bank account for everyday online spending. Here is how the two compare in broad terms:

• Opening: the app takes minutes, while a bank account can take days and requires more documents.
• Funding: Aircash accepts cash and vouchers, while banks usually rely on salary transfers and cards.
• Spending control: a wallet with a fixed balance makes it harder to overspend.
• Services: banks offer loans, savings and full IBAN accounts, which a simple wallet does not replace.

So, Aircash works best as a second wallet next to a bank, or as a simple payment tool for people who do not use banks much. It is not a replacement for savings or credit.

Many users therefore keep their salary and savings at a bank, while they use Aircash for online games, small purchases and bills. That split keeps everyday spending separate and makes it easier to see where the money goes.

Who Should Use It

Aircash is not for everyone, but it fits several types of users very well:

• Cash users: people who prefer cash but want to pay online.
• Privacy-minded shoppers: those who do not want to share bank card details with many sites.
• Budget-conscious users: anyone who wants a separate wallet with a fixed balance.
• People without a bank card: students, newcomers and others who cannot easily get one.
• Gamers: players who buy digital content and vouchers for entertainment services.

On the other hand, if you already have a bank card you are happy to use everywhere, you may not need a separate wallet. For comparison, our guide on topping up Revolut, Wise and PayPal without a card covers other popular apps.

When an Aircash Voucher Will Not Redeem

Most voucher problems are easy to solve. Before contacting support, check these points:

• Wrong country: the voucher should match the country of your Aircash account.
• Typing errors: paste the code instead of typing it by hand.
• Account not verified: some features need a completed registration or verification in the app.
• Already used: check whether someone else in your household redeemed the code.
• Balance not updated: close and reopen the app.

If the voucher still does not work, contact TopGift support with your order number and a screenshot of the error. You can also browse more prepaid payment cards or read payment vouchers explained to compare options.

Frequently Asked Questions