I had never heard of this company but today I received an SMS message from them telling me I had been sent a £10 top-up and just needed to click the link to redeem it. At first, fearing a scam, I ignored the message, but heard later from the friend who had gifted it. It seems she has an account with On Top Up and uses it to send little gifts. So I clicked on the link, followed the instructions, and received the credit instantly. I’m impressed, and shall be opening my own account now. As long as you know which operator your friends and family members use, it’s the perfect way to send a useful gift. The only thing I’d say is that it would be good if On Top Up shared the name of the giver with the recipient to avoid the fear I initially had. Otherwise, it seems like an excellent service.