In order to use your Pleo cards, you need to have funds in your company’s Wallet. This article covers:

  • What happens if you send funds from the wrong account

  • How to top-up your Wallet

  • Pleo's bank account details

  • How long it takes for funds to arrive

What happens if you send funds from the wrong account

As a regulated financial services institution, Pleo has some rules about your Wallet's source of funds.

We can accept funds sent from:

  • An EEA or UK business account registered in the same company name as your Pleo account.

  • E-money institutions where the original sender details are readable and match the company name in your Pleo account.

We cannot accept funds sent from:

  • A personal bank account.

  • A payment or e-money institution where the original sender details are unreadable or do not match your account name.

As per Pleo's Master Service Agreement, we also reserve the right to refuse any transfer for compliance reasons.

So what happens if you've accidentally sent funds from the wrong account? Pleo will send the funds back. It can take up to seven business days for the refund to be processed. Sometimes we need to get proof of transfer (PDF downloaded from your online banking) before sending the funds back. If that's the case, we'll reach out to your Pleo admin via email.

How to top-up your Wallet

  1. Go to the "Wallet".

  2. Click on "Top-up".

  3. A pop-up screen will show you transfer details for sending funds to Pleo

Good to know:

  • The account information is unique to your company. When you make the transfer you can leave the reference field empty or enter your company’s name.

  • The daily Wallet limit (i.e., how much you're able to send to Pleo at a time/per day) are: 30,000 GBP / 30,000 EUR / 275,000 DKK / 322,500 SEK.

  • As soon as the funds hit our partner’s bank account, they will be automatically linked to your Pleo wallet and you will receive an e-mail informing that your Pleo wallet has been topped up. In some cases we may need to ask for more information from you, in order to top up your funds.

Pleo's Bank Account Details:

Name: Pleo Financial Services A/S

Address: Ravnsborg Tværgade 5C, 2200 Copenhagen N, Denmark

For the UK:


  • Bank Address: 25 Bank Street, Canary Wharf, London E14 5JP

For Austria, Belgium, Estonia, Finland, France, Ireland, the Netherlands, Portugal, and Spain:

  • Name: J.P. Morgan Bank Luxembourg S.A.

  • Address: 6, route de Trèves, L-2633 Senningerberg, Luxembourg,

For Denmark and Sweden:

  • Bank Name: Danske Bank

  • Bank Address: Holmens Kanal 2-12, 1092 Copenhagen K, Denmark

For Germany (verified customers):

  • Name: J.P. Morgan

  • Address: Junghofstrasse 14, Frankfurt am Main, 60311, Germany

How long it takes funds to arrive

Your first Wallet load can take up to several bank days to arrive, as Pleo needs to complete an initial verification of your bank account. Once that's done, here's when you can expect funds to arrive within your Pleo Wallet:


  • Open banking (instant transfer)

This option usually takes a few minutes, but can take up to about one hour. It is available 24 hours a day, including weekends. Open banking is the option that appears when an admin clicks "top up" in the Wallet page:

There is a £12,000 limit per open banking top-up (but you can make more than one top-up per day).

Please go through the Pleo web app to top-up with open banking (going through your online banking instead of Pleo can cause some problems with the transfer reference).

Pleo's recipient details for open banking look different than the transfer details when choosing one of the alternative top-up methods (see below). This is because Pleo's open banking account details have 24/7 support, whereas the others are limited to bank days.

If you want to choose one of the below transfer methods instead, click the "bank transfer details" (red text showing in the above image).

  • Faster Payments

Funds will usually arrive within 20 minutes, but can take up to 2 hours (only on bank days).

  • CHAPS Transfer

Funds will arrive on the same day if sent before 17:40, usually within 3 hours (only during banking hours).

  • Auto top up

Not available in the UK.


  • Straksoverførsel: Funds will arrive within 60 seconds (all days of the year).

  • Sammedagsoverførsel: Funds will arrive the same day if sent before 11:30 (only on bank days). If sent after 11:30, funds will arrive on the following bank day.

  • Auto top-up: Funds will arrive within 1-3 banks days.


  • Same-Day Transfer: Funds will usually arrive within 4 hours, but at the latest the will arrive on the following bank day (only on bank days).

  • Standard SEK Transfer: Funds will arrive by the following bank day (only on bank days).

  • Auto top-up: Funds will arrive within 1-3 banks days.

Euro currency countries

  • SEPA Credit Transfer: Funds usually arrive on the same day if sent before 12:00. At the latest, they will arrive by the end of the next banking day (only on bank days). Please note that Pleo only support's SEPA Core, as that's a lot easier to set up (i.e., you won't be asked for a creditor identifier number or anything like that).

  • SEPA Instant: Not available/not supported. Funds sent with this method will bounce back.

  • Auto top-up: Funds will arrive within 1-3 banks days.

  • Open banking for the Netherlands: between 1 hour and 1 bank day.

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