Learn about the funding sources you can use with Cash Balance below:

What funding sources can I use for Cash Balance?

The following can be used as funding sources for Cash Balance top up:

1. Credit Card

2. Debit Card

3. ACH

When using ACH to fund purchases, whether purchasing a gift card or topping your cash balance, a backup payment method may be required. Click here to learn more about how back up payment methods work.

4. PayPal

5. Apple Pay

6. Google Pay

7. Cash Balance (Your available cash balance and rewards balance)

If you have verified your legal identity, you will be able to transfer funds received from p2p transactions. If you have not verified your legal identity, you will not be able to transfer funds via p2p nor use it to purchase digital gift cards. You can only withdraw it.

Are there fees applied when using Cash Balance?

Cash balance transaction are subject to 0-3.5% fees depending on the funding source.

Please note that the fees are subject to change anytime, and final rates will be visible to you on the mobile app when selecting a funding source.

Why am I only allowed to top-up a specific value in Cash Balance with my credit card?

Some types of credit cards have some rules set on it (type of card is determined by the first 6 digits). When using one of those cards, you may experience rules and limitations on the amount that you can purchase. Make sure to select an amount closest to what you need.

What category will my Cash Balance transaction code as when using a credit card?


This feature is designed with rewards cards in mind. You can now set your card preferences on the mobile app. One of the settings allows you to set a given card as the preferred card for a respective category. Fluz will then make that card the default card when you shop from a merchant with that specific category. The transaction will be coded on that respective category so that you can stack the cashback from Fluz plus the category cashback from your rewards card.

Note: You can only set one category (MCC) per credit card. If you set another card as the preferred payment for that same category, the more recent card will override the previous one.

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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