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💰 Add funds to your wallet

Controllers or Account owners, discover how you can add funds to your wallet!

Updated over a week ago

This article is for Account owners and Controllers, who can add funds on Spendesk.

🌐 European-based accounts

You have two options to fund your Spendesk account:

  • by bank transfer (0-5 days)

    Head over to Settings > Your Wallet > Wallet Funding > Wire transfer.

    Check the account details on Spendesk.🚨

  • You'll find all the relevant information to prepare your bank wire transfer order. Please fill the transfer's fields exactly the same way on your bank account, otherwise the funds will be rejected. Then, proceed with the transfer.

    The funds will be available on your account 1-5 business days later.

    No fees apply on wire transfers (apart from FX fees if relevant).

    Please note that rejected transfers will be sent back to your account within 12 days and that we won't be able to monitor this (the rejection happens before us in the steps).

  • by card (2% fees apart on the first charge, instant)

    Head over to Settings > Your Wallet > Wallet Funding > By credit card.

    ☝️You can load amounts ranging from €/£100 to €/£2000 on your Spendesk account.

    ☝️ Please note that an additional 2% fee will be applied on this operation due to banking fees (apart from the 1st top-up).

    ☝️A credit card transfer should be instantaneous following our team's approval. If more than 24H have passed, contact our Support.

    Your credit card type has to be accepted by Stripe for your load to be accepted.

🇺🇸 United States

Companies based in the US can fund their account by:

  • ACH

  • Automatic reload (ACH) which is not yet available for other account type. It is therefore not possible to fund a US account by bank transfer or credit card.

💶 Limit that can be loaded on Spendesk

There is no particular limit established but your account funding should be consistent with your activity and your monthly expenses. 👀

Pro tips for your transfer to arrive safe and sound :

☝️Beneficiary: never put Spendesk as the wire transfer beneficiary. Funds will be rejected. Add the exact beneficiary displayed on Settings > Your Wallet > Wallet Funding > Wire transfer.

☝️ Be compliant: you can load your wallet from multiple bank accounts as long as the account is in the name of your company. Legal banking regulation prohibits funding an account from the bank account of a different company (with the exception of holding companies, which may send funds to their subsidiaries).

☝️ Only for wire transfers to the beneficiary "Transact Payment Ltd" (and not your company's name) Please make sure to add the correct reference starting with EUR/GBP/USD/SEK/NOK/DKK depending on the default currency of your Spendesk account. Otherwise, the transfer will be rejected. If there is no reference displayed under your bank information it means that you can disregard this part.

☝️ For transfers in dollars (USD) only: be sure to indicate in the transfer order that the recipient must pay the transfer fee. Otherwise, a fee (usually $25) will be deducted from the total amount sent.

☝️ Ebics transfers or transfers from Transferwise, Western Union, e-currency institutions (MangoPay...) will be rejected.

Transfer-related issues or questions

My top-up/transfer is not showing on Spendesk

This may be due to:

  • The fact that it takes some time between the moment you initiate the transfer request and the moment it is received by our banking partner.

  • Incorrect information (beneficiary or other) added to the transfer order

  • (On prepaid cards only) Only part of your funds are visible in the available amount on your wallet, because part of your funds went straight to topping up recurring / subscription cards and physical cards in priority. Indeed, these are the first to be loaded, for practical reasons, when funds are insufficient to load them at the beginning of the month.

My transfer is not in the right currency

Sadly, it is not possible to change the currency of your transfer. Funds will be rejected and transferred back to your bank account automatically.

Spendesk does not appear as the name of my bank when I make a transfer.

We provide you with payment services, but Spendesk does not have its own banking license.

Indeed, we are currently working with several partners, who have the status of banks within the meaning of Article L. 511-10 of the Monetary and Financial Code and banks.

This approval gives them the responsibility of storing and securing your funds.

For this reason, it is their name that you must specify in the "bank" field of your transfer order.

I made a transfer by mistake

If this is the case, please contact us at with the name of your company (and the specific account) and the amount to be sent back. We might need to ask you an IBAN or bank information to send funds back.

I need to fund an account with my Spendesk account

Unfortunately, this won't be possible. We can send funds back to your company account and from there you'll be able to fund the other account you're looking to fund. Email us at to send funds back.

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