---
title: "Loading funds to your Payhawk account"
slug: "loading-funds-to-your-payhawk-account"
description: "Load funds into your Payhawk account: top up your company wallet and manage funding sources on the Payhawk spend management platform."
updated: 2026-10-27T14:17:07Z
published: 2026-10-27T14:17:07Z
canonical: "payhawk.com/loading-funds-to-your-payhawk-account"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://payhawk.com/help/llms.txt
> Use this file to discover all available pages before exploring further.

# Loading funds to your Payhawk account

Companies in the UK and Europe can fund their Payhawk currency accounts either by topping up directly from their bank accounts that are linked to Payhawk or by depositing money from external bank accounts that are not linked to Payhawk.

- Germany-based entities can load funds into their EUR Payhawk accounts without having to leave the system.
- For more information, see the article about [supported currencies and payment schemes for top-ups and incoming bank transfers](/help/supported-payment-schemes-for-top-ups-and-incoming-bank-transfers).

## Specifics

- You can load funds to your Payhawk account only after your Payhawk account has been fully approved by the Payhawk Compliance team.
- When attempting to make an incoming bank transfer from external (not linked) bank accounts, check if a payment reference is required. The reason is that for an incoming bank transfer, you can have the following types of bank accounts from which you load funds:
  - **Personal ledger** - An individual IBAN dedicated to your company to which you can send bank transfers. In this case, you won't be required to add any special payment reference when loading funds into your Payhawk account.

Note that incoming bank transfers in USD for UK-based customers are processed through individual accounts.

![Add funds panel showing that no bank accounts are linked yet, the Link a bank account button, and the account's deposit details: beneficiary, IBAN, BIC/SWIFT, currency and bank.](https://cdn.payhawk.com/Navigation%20images%20Desi_20261008/add_funds_panel_20261009_ai.png)
  - **Pooled account** - A general account to which you can send funds. This pooled account will be in the banking service provider's name, not your company's.

For RON transfers, you need to send funds to the designated pooled account for each currency. In such cases, you must include your unique personal reference number in the **Payment Reference** field to ensure the transfer is properly allocated and credited to your balance.

![Form for adding funds with important payment reference and bank details highlighted.](https://cdn.payhawk.com/Navigation%20images%20Desi_20261008/ron_pooled_account_add_funds_20261009_ai.png)
- Whenever there’s a pending bank transfer for your credit line that has not yet settled, the **Add funds** button appears disabled until your deposit has been successfully processed, and the button will automatically become active again.

## Note for UK companies

The bank details required for funding your Payhawk currency account depend on the currency of that account:

- GBP - Use Sort code and Account number. GBP deposits are processed via Faster Payments (FPS).
- EUR - Use IBAN. EUR deposits are processed via SEPA.
- USD - Use IBAN. USD deposits are processed via SWIFT (international bank transfer).

You cannot use a sort code and account number to fund a USD or EUR Payhawk account.

## Benefits of topping up funds

The fast and efficient option for topping up funds from a linked bank account provides Payhawk Administrators with many benefits.

- You can top up funds from your [linked bank accounts](/help/linking-and-unlinking-bank-accounts-to-payhawk) directly from the **Funds** screen in Payhawk without switching to your banking app.
- Your linked bank account is securely saved, allowing you to link a bank account once and top up multiple times.
- When topping up, Payhawk suggests the most relevant accounts per currency for faster and cheaper domestic transfers.

## Topping up funds from linked bank accounts

> [!WARNING]
> Topping up funds from linked bank accounts to your Payhawk currency account is currently available only for EUR and GBP transactions. Open banking payments for USD transactions are not supported at this time.

To top up funds from linked bank accounts in Payhawk:

1. In the [Payhawk Web Portal](https://portal.payhawk.com), open the app switcher in the top-left corner, go to **Funds**, and click on the desired currency in your credit or debit accounts.
2. Click on the **+ Add funds** button. As a result, a list with your linked accounts appears.

Note that each bank provider delivers their own user experience on logging in and authorizing the payment. For this guide, you'll be using Revolut.

> [!TIP]
> Payhawk displays only accounts that are available for domestic payments.

![Funds accounts list with the linked external accounts, and the Add funds panel listing the linked bank accounts you can top up your GBP debit account from.](https://cdn.payhawk.com/Navigation%20images%20Desi_20261008/topup_linked_accounts_20261009_ai.png)
3. Click the linked account of your preference to set it as a funding source for topping up the required funds and specify the amount.
4. Click on **Add funds**.

Note that:
  - UK customers need to review the **Payment total**, **Payee name**, **Sort code**, **Account number**, and **Payment reference** fields.
  - EU customers need to review the **Payment total**, **Payee name**, **BIC/SWIFT**, **IBAN**, and **Payment reference** fields.
5. Click **Log in** to authorize the top-up from your linked bank account.

![Change funding source panel with the selected linked account, the amount and the Add funds button, followed by the payment summary with the button to log in to your bank and authorize the top-up.](https://cdn.payhawk.com/Navigation%20images%20Desi_20261008/topup_funding_source_yapily_20261009_ai.png)

As a result, you will be transferred to your banking provider to authorize the payment.
6. Once you have authorized the payment, the deposit will be displayed as pending under your relevant account. When the deposit is settled, it will be shown under the **Activity** field of the account.

![EUR debit account panel with pending transfers, the available balance, and settled top-ups listed under Activity.](https://cdn.payhawk.com/Navigation%20images%20Desi_20261008/account_activity_topups_20261009_ai.png)

## Depositing money from non-linked bank accounts

To add money to your Payhawk account by transferring the required amount:

1. Open the app switcher in the top-left corner and go to **Funds**.
2. Select the desired currency. Click on **Add funds.**
3. On the next screen, copy the information of your account and include it in the bank wire.

![Add funds panel with the deposit details to copy into your bank wire: beneficiary, IBAN, BIC/SWIFT, currency, bank and bank address, with a Copy details link.](https://cdn.payhawk.com/Navigation%20images%20Desi_20261008/add_funds_panel_20261009_ai.png)

## Useful resources

- [Fund currencies and payment schemes for incoming bank transfers](/help/supported-payment-schemes-for-top-ups-and-incoming-bank-transfers)
- [Checking funds availability for monthly card limits](/help/checking-funds-availability)
- [Creating new Payhawk currency accounts](/help/opening-new-payhawk-currency-accounts)