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(US only) Top up your Spendesk wallet automatically

(US only) Top up your Spendesk wallet automatically

Set a minimum balance for your US wallet, and Spendesk will trigger an ACH transfer automatically whenever your funds drop below it.

For: Account Owners and Admins on US entities using ACH (Marqeta) wallets.

Table of Contents

  • Before you start

  • Set up an automatic top-up

  • How the automatic top-up works

  • Delete an automatic top-up

  • Troubleshooting

  • Related articles

Before you start

  • Role required: Account Owner or Admin. Controllers can't set up, edit, or delete an automatic top-up.

  • Region: available on US entities funded via ACH (Marqeta) only. Not available for Europe or UK wallets.

  • Prerequisite: you must already have ACH funding set up on your Spendesk account, including a completed micro-deposit ("penny test") verification. See (US only) Set up your bank account to fund your Spendesk wallet (ACH).

  • Phone access: you'll need your phone on hand to confirm a security code during setup.

🔒 Access: Automatic top-up is only available on US entities that fund their wallet by ACH.

👥 Roles: Only Account Owners and Admins can create, edit, or delete an automatic top-up rule.

Set up an automatic top-up

  1. Click here to open the funding page.

  2. Click the "Automated funding" tab.

  3. Enter a minimum threshold amount.

  4. Enter the amount to fund the wallet automatically when the threshold is reached.

  5. Click "Set a $..... automated funding" to confirm.

  6. Check your phone for a security code.

  7. Enter the security code.

  8. Click to validate the code.

Your wallet will now top up automatically instead of requiring a manual ACH transfer each time.

How the automatic top-up works

An automatic top-up triggers when your wallet balance drops below the threshold you defined. Check your current balance on the Dashboard or on the Wallet entry from the menu.

💡 Tip: Your balance must go above the threshold at least once after setup before the automatic top-up can trigger for the first time.

Example:

  • Your wallet has $8,000 available.

  • You set a threshold of $10,000.

  • The wallet must first go above $10,000 (for example, through a one-off manual top-up) before an ACH transfer is triggered the next time the balance drops below $10,000.

Delete an automatic top-up

  1. Click here to open the funding page.

  2. Click the "Automated funding" tab.

  3. Select "Delete automatic debit".

Troubleshooting

Symptom: The "Automated funding" settings or the "Set a $..... automated funding" button are greyed out or unavailable.
​Cause: Only Account Owners and Admins can manage automatic top-up. Controllers don't have this permission.
​Resolution: Ask an Account Owner or Admin on your account to set up or edit the automatic top-up.

Symptom: Your wallet balance dropped below the threshold, but no ACH transfer was triggered.
​Cause: Your balance may not have gone above the threshold since the last top-up, which is required to re-trigger the rule. It can also be caused by a temporary sync issue between Spendesk and the banking partner.
​Resolution: Confirm your balance exceeded the threshold at least once since the last top-up. If it did and no transfer was triggered, contact Spendesk support so the team can investigate.

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