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
Instant top-up Open Banking — connect your bank directly with Pleo	UK, France, Netherlands	Within minutes (business days only)
Instant Bank transfer (Same day) SEPA Instant	Euro area	Same day
Bank transfer Standard SEPA	Euro area	2-3 business days
Bank transfer ACH	US	1-2 business days
Bank transfer via Plaid ACH — connect your bank through Plaid	US	2-3 business days

Method (automatic top-up via Transfer Rules)	Region	Total time
Variable Recurring Payment (VRP) (Same day) Open Banking — connect your bank directly with Pleo	UK	Same day
Autogiro / NETS Direct debit	Denmark, Sweden	Up to 3 business days
BACS Direct Debit UK bank-to-bank direct debit	UK	Up to 5 business days
SEPA Direct Debit European bank-to-bank direct debit	Euro area	Up to 6 business days

Why Direct Debit top-ups can take several business days

Pleo processes Direct Debit transactions to align with our banking partners' requirements. Pleo cannot pre-fund transfers to make money available immediately.

Direct Debit top-ups are only available in your Pleo balance once the funds have fully cleared and are confirmed by our banking partners.⁠
Depending on the Direct Debit scheme used in your country, this can take up to 3–6 business days (and can be longer due to bank cut-off times or additional checks).⁠

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
- You can edit, pause or delete a rule at any time.

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:

Active means your rule is enabled and eligible to run when triggered—it doesn’t guarantee instant money movement
If an external top-up is already in progress, a second rule may be skipped rather than queued to prevent duplicate funding
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.