Top-up your Account

Learn how to add funds to your Pleo account, set up automated transfer rules, and understand why certain payment methods take longer than others to clear.

Expected top-up time

Please note these are expected times and may take longer due to banking delays beyond Pleo's control (e.g., cut-off times, transfer flags, etc.)
Your first Account top-up or top-ups from a different bank account will take a few business days to arrive, because Pleo needs to verify your bank account.
First BACS from a new mandate (automatic top-up) can take up to 8 business days.

Method (one-time transfer)	Region	Total time
Manual Instant top-up	UK, FR, NL	Within minutes (business days only)
Manual transfer	EU, US	Up to 3 business days (depending on your bank and chosen payment method)
ACH Bank transfer	US	4 business days

Method (automatic top-up)	Region	Total time
VRP	UK	Same day
Autogiro / NETS	DK, SE	Up to 3 business days
BACS Direct Debit	UK	Up to 5 business days
SEPA Direct Debit	EUR	Up to 6 business days

Why do Direct Debits sometimes take up to 5-6 days?

Pleo has updated how we process Direct Debit transactions to align with our banking partners' requirements. Previously, Pleo pre-funded these transfers to make money available immediately; however, we are no longer able to facilitate this pre-funding due to the credit and fraud risk involved.

No Pre-funding: This means we cannot make the money available in your Pleo account until it has reached our bank.
Clearing period: Funds only appear in your Pleo account once they are fully confirmed and cleared by our banking partners. This standard cycle takes 3 business days after the money has left your bank.

This is why the transfer can take up to 6 business days in some regions.

Need it faster? For quicker top-ups, we recommend using Manual SEPA transfers (up to 3 business days) or VRP in the UK (instant).

Automatic top-up via Transfer rules (recommended)

Transfer rules run automatically based on your conditions, reducing manual work, minimising errors, and removing the need to monitor balances.

In Pleo, go to Cash Management
Select Transfer rules
Choose your rules:
- Action - transfer variable or set amount, or automatically convert currency
- Source account - can be an external bank (including a linked account in Sweden or Denmark), the main wallet, or a sub-wallet
- Receiving account - can be the main wallet or a sub-wallet
- Trigger - can be based on a low balance condition, a scheduled time, or when an exchange rate is reached
Activate rule

Using an external bank as the source account

If not visible, this means you are not eligible. To become eligible:
- Your company has to be incorporated for at least 18 months or have been approved to use Pleo for at least 3 months.
- Your company has to reach our eligibility spend level in card transactions, invoices and out-of-pocket expenses.
You must have a Direct Debit or Variable Recurring Payment mandate in place for the rule to become active.
For Denmark, you need to submit a Mastercard Overførselsservice before you can set up transfer rules.

Good to know:

Edit, pause or delete a rule at any time.
If the Direct Debit mandate becomes inactive, any associated transfer rules will be automatically disabled (paused)

Manual top-up (one-time transfer)

Navigate to Cash Management
Click Add Money
Select Bank transfer
Follow the instructions for the specific transfer possibilities:
- Instant top-up (UK, FR, NL only): Select your bank to make a transfer through open banking
- ACH Bank Transfer (US only):
  - Select ACH Bank Transfer and initiate a bank transfer from your bank interface
  - Select Top Up via Plaid and initiate a bank transfer within the Pleo/Plaid interface
- Manual transfer: If you don't see the payment details right away, click Bank transfer details.
  Note: The transfer must be from an EEA or UK bank account (for EU) or a US bank account (for US) registered with the same company name as your Pleo account. Transfers from personal bank accounts or institutions where sender details are unreadable or do not match your account name will not be accepted.

For Swedish organisations: After passing the top-up threshold account, account admins will receive a request to provide a document from their online banking (including bank account number and organisation name) to verify the account. If the document is not provided within 11 business days, any Pleo spending will be blocked.

If your bank requires a payee address for your first top-up, please use: Ravnsborg Tværgade 5C, 2200 Copenhagen, Denmark.

Top-up your Account

Expected top-up time

Automatic top-up via Transfer rules (recommended)

Manual top-up (one-time transfer)

Need more help? Contact us.