Transfer rules and auto top-ups in Pleo

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 internal transfer rules to top up sub-accounts

Internal transfer rules move money between your Pleo Main Wallet and your sub-accounts.

• Who can use it: Customers on Advanced or Beyond, or with the Cash Management add-on
• What it’s for: Automatically top up 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 Wallet to top it up

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 top up a sub-account:
   1. Action: Transfer a variable amount or a set amount
   2. Source account: Your Pleo Main Wallet
   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.

Use Auto top-up to add funds from your bank account

Auto top-up moves money from your external business bank account into your Pleo Main Wallet.

• 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 Wallet 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 Auto top-up

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 Wallet
   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 External Low Balance Limit high enough to cover a few days of expected spend. This helps prevent your wallet balance from reaching zero while you wait for the bank transfer to clear.