Now that Snapper cards have the 1.5% processing fee on phone top-ups, I did a little math to figure out the cut-off for topping up at a kiosk instead.

Kiosks have a flat 25¢ fee to top up if you use a debit card.

If you are topping up $15 or less, you should top up on your phone (the fee is 23¢ or less). Anything higher than that, you should top up at a kiosk.

The best strategy is to top up as much as you can at a kiosk in one go.