Set up automatic funds transfers with Transfer Rules

To keep your business moving, Pleo offers two ways to automate moving funds. They both save time, but they work differently and have different availability.

Use Transfer Rules to add funds from your bank account

Automatic transfers moves money from your external business bank account into your Pleo main account.

• Who can use it: Availability is limited. If you’re eligible, you’ll be informed by email. You may also see Direct Debit under Cash Management in the web app
• What it’s for: Helps make sure your Pleo main account doesn’t run out of money for card payments or invoices
• How it works: When your total Pleo balance drops below a set limit, Pleo requests funds from your connected bank

Set up Transfer rules

1. In the Pleo web app, go to Cash Management
2. Select Transfer rules
3. Click Create a rule
4. Choose the details for your rule:
   1. Action: Transfer a variable amount or a set amount
   2. Source account: Your external bank account
   3. Receiving account: Your Pleo main account
   4. Trigger: Low balance or scheduled time
5. Review the details, then click Create rule to confirm
6. If there’s no active SEPA mandate yet, review and confirm it in the next step

Good to know: Because external transfers can take a few days, set your low balance threshold high enough to cover a few days of expected spend. This helps prevent your account balance from reaching zero while you wait for the bank transfer to clear.

Use internal transfer rules to transfer funds to sub-accounts

Internal transfer rules move money between your Pleo main account and your sub-accounts.

• Who can use it: Feature availability depends on your plan. For more information about what’s included in each plan, see the pricing page.
• What it’s for: Automatic transfers for sub-accounts (e.g, Marketing or Travel) without doing it manually
• How it works: When a sub-account balance drops below your chosen threshold (for example, £500), Pleo transfers money from your Pleo Main Account to your sub account. 

Set up an internal transfer rule

1. In the Pleo web app, go to Cash Management
2. Select Transfer rules
3. Click Create a rule
4. Choose the conditions for when you want to transfer funds to a sub-account:
   1. Action: Transfer a variable amount or a set amount
   2. Source account: Your Pleo main account
   3. Receiving account: A sub-account
   4. Trigger: A low balance condition or a scheduled time
5. Review the details, then click Create rule (or Save) to confirm

You can view, edit, or delete your rules anytime from Cash Management → Transfer rules.