Learn more about the difference between Cash Balance and Fluz Pay below:

Rewards balance (previously called Fluz Pay) is where your cashback will be credited when you purchase a digital gift card and where your challenge bonuses will go when you hit the milestones while the Cash Balance hold funds that you transferred via the Cash balance top up feature.

The summary below helps outline the difference between the two wallets:

Rewards balance or "Fluz Pay" wallet

Cash balance wallet

What can it be used for?

It can be used to purchase Digital gift cards

  • It can be used to purchase Digital gift cards*

  • It can be used to fund P2P transfers (coming soon!)

In order to use the funds from the cash balance to purchase gift cards or transfer via P2P, your account must be legally verified. Otherwise, you may only withdraw the funds.

Where do the funds come from?

  • From cashback from purchases

  • $5 Quick start bonus plus other challenges & milestones

  • If your refund request was approved, you have option to have the refunds be deposited to your Rewards Balance

  • Cash "top up" from *ACH, credit or debit cards, PayPal, Apple Pay and Google Pay

*When using ACH to top up your cash balance, you may be required back up payment method.

  • Transfers from contacts (P2P transfers feature coming soon!)*

Are there fees to fund my wallets?

The Rewards balance cannot be funded by outside sources. There are no fees associated with the Rewards balance.

There is a corresponding fee every time you top up your cash balance.

The fees will always be visible when you select your funding source.

Can it be withdrawn?

Yes, once the $15 one-time withdrawal requirement has been met and your account status is on Pass

Since you can only top up your cash balance when you've verified your legal identity, then yes, you may withdraw your cash balance any time, as long as your account status in on Pass.

However, if you've received funds via P2P transfer but have not successfully verified legal identity, you may only withdraw those funds but not use them to make purchases or transfer again via P2P.

Are the funds available immediately?

Yes. Cash back and milestone rewards are credited to your Rewards Balance in real time. It can also be withdrawn anytime as long as the $15 one-time minimum requirement has been met and your account's status is on Pass.

Depending on your funding source, some funds may not be available right away.

Am I eligible for this wallet?

Yes. All Fluz accounts have a Rewards Balance as it is where all cash backs are credited. There are no conditions or requirements necessary for a Rewards Balance.

In order to top up your balance with cash from various funding sources, your legal identity must be verified.

If your legal identity verification has not yet been successfully completed, then you can only withdraw funds from your Cash Balance.

The Rewards Balance (previously called Fluz Pay) is used for the following:

  • To buy Digital gift cards from Fluz

  • Withdrawals

The Cash Balance is a way to top up your Fluz wallet with cash directly from various funding sources. The Cash balance is used to fund:

  • Digital gift card purchases

  • Peer to peer transactions (coming soon!)

  • Withdraw balances from p2p transactions

  • Transfer received balances via p2p transactions (if you completed legal identity verification)

Simply put, it is a way for users to add cash funds and move money to their Fluz account.

When adding funds to their Cash Balance, the user must define the source for these funds which can be any payment, as well as a Backup Payment Method, should the first fail or fail to reach the desired transfer amount.

Check out these articles to learn more about backup payment methods:

What payment methods are allowed in this Cash Balance Top Up feature?

How to add a backup payment method

How to add, remove, edit a credit card


More questions? Feel free to reach out to one of our Fluz sidekicks. Use the Chat option at the bottom of your screen, or if you're on the app, go to Help and chat with us.

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