Spend accounts are how you organize the money in your Fluz balance. You can create more than one, give each a nickname, and use them to keep spending separated the way that makes sense for you. This article covers how to create a spend account, name it, and open its account details.
Prefer to watch? The walkthrough below covers everything on this page:
Create a spend account
Go to fluz.app and log in.
Click Manage money to open your money management options.
Click Create spend account.
Click Enter a nickname and type a name for the account.
Click Save to create the account.
Your new spend account appears in your Fluz balance right away.
Choosing a nickname
The nickname is how you'll recognize the account everywhere it appears in Fluz, so pick something that describes what the account is for: Everyday spending, Travel, Client payments, or a team or project name.
Move money between spend accounts
1. Go to Manage money and select Transfer (or Move money from a spend account).
2. Choose the account to move money from and the account to move it to.
3. Enter the amount and confirm.
Transfers between your spend accounts are instant and free. You need at least two spend accounts, and only the account Owner and Admins can move money between them.
Rename or close a spend account
Open the spend account, select the ⋮ menu, then:
• Edit spend account to change its nickname.
• Remove spend account to close it, then select Confirm and close account.
Before closing, move any remaining balance to another spend account. If cards are funded by it, move them to another spend account or freeze them. If it’s your default account, you’ll be asked to pick a new default. Your main balance can’t be closed.
Only the account Owner and Admins can rename or close spend accounts.
Open your spend account details
Click the spend account in your Fluz balance to view and manage it.
Click the account number to open the detailed view of the account.
Enter your PIN when prompted.
Your Virtual Account Number information is shown here.
Note: account details are currently only viewable on our web platform.
What you can do next
What is a Virtual Account Number? — the account and routing number attached to your spend account, and what it can be used for.
Finding your Virtual Account Number and routing number — including how to download an account letter or direct deposit form.
Sharing a spend account — give other people access to an account and set what they can do.
How do I view spend account activity? — see the transactions for a specific account, including downloading monthly statements.
Frequently asked questions
Why am I asked for my PIN?
Why am I asked for my PIN?
Your banking details are protected the same way a virtual card number is. Entering your PIN confirms it's you before the account details are shown.
Can I do this in the Fluz app?
Can I do this in the Fluz app?
Spend account details, including Virtual Account Numbers, are currently only available on the web platform at fluz.app.
My new spend account doesn't show a Virtual Account Number.
My new spend account doesn't show a Virtual Account Number.
Virtual Account Numbers are being rolled out gradually and aren't on every account yet. See What is a Virtual Account Number? for details, and contact us if you have questions.
Can other people use a spend account I create?
Can other people use a spend account I create?
Yes, if you share it with them. See Sharing a spend account for how sharing and access levels work.
Fluz is a financial technology company, not a bank. Banking services provided by partner banks, members FDIC.