Tot Money
Tot Money is a B2B business banking issued on Mastercard, rated 5.7/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Tot Money is the strongest fit for app store / play and free issuance, and asks for ID + proof at signup — we carry it at low risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Tot Money · B2B Business Banking |
| Official site | https://tot.money |
| Best for | App Store / Play · Free issuance |
| Network | Mastercard |
| Rating | 5.7/10 (3.0★, 44 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Free (included) |
| Monthly / annual fee | Subscription (business account) |
Verification and risk
| KYC required | Yes |
| Risk level | Low |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Multiple |
Billing
| Billing address | Global |
| Billing country | Italy |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 221265 | Mastercard | Italy | Credit | 224 | 161 | 71.9% |
We logged 161 cleared charges out of 224 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Other Mastercard virtual cards
Frequently asked
What does Tot Money cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is Subscription (business account). Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Tot Money?
Tot Money asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes
How can I fund Tot Money?
You can fund it with bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Tot Money need?
Setting it up: the billing address type is Global; cards are issued against Italy; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Tot Money work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Tot Money trigger 3-D Secure?
Yes. Tot Money supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Tot Money?
Tot Money allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple. Multiple numbers under one account is the practical pattern here, so a single merchant block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.