How to enable auto top-up

This article explains:

Not all customers automatically qualify for auto top-up functionality

Customers in Euro currency markets will have to qualify on Auto top up eligibility criteria before being able to activate it:

  1. The company was incorporated at least 18 months ago OR the company has had an account with Pleo for at least 3 months.


  2. The company has spent a certain amount in lifetime spend (in reimbursements, invoices or card payments).

Auto top-up is not currently available to our customers in Norway or in the US.

What to do before enabling auto top-up

  • At least one manual transfer is needed before setting up auto-top up. This is so that Pleo's Compliance team can whitelist your business bank account.

  • If your company is registered in Denmark, you’ll need to create a Mastercard agreement here before following the steps in this article.

  • Please note that there is a minimum top-up amount of 200 GBP / 200 EUR / 2,000 SEK / 2,000 DKK.

How to enable auto top-up: for UK customers

There are two options for auto top-up in the UK: instant and direct debit. The former is a lot faster (i.e., funds are loaded within 10 minutes, 24/7) whereas direct debit takes a few business days on average. The only downside of instant auto top-up is that it's built on something called "Variable Recurring Payments", which is a fairly new technology that's not yet available with all UK banks. That said, as this standard becomes increasingly widespread, a greater number of our customers will be able to make the most of it. All CMA-9 banks currently support instant auto top-up.

How to enable instant auto top-up

  1. Go to the Wallet page.

  2. Click "Top-up":

  3. Click "Set up auto top-up".

  4. Under the Auto Top-up tab, click "Low balance auto top-up".

  5. Set your thresholds, then click "Activate".

  6. Click "Continue".

  7. Select your bank from a list of banks that support instant auto top-up. If you don't see your bank in the list, then please choose the direct debit auto top-up option instead (and skip to the next section):

  8. Fill out your business bank account details and follow the on-screen instructions.

How to enable direct debit auto top-up

  1. Please follow steps 1-7 above. At step 7, click "Setup Auto Top-up with Direct Debit.

  2. Follow the on-screen instructions.

How to switch from direct debit to instant auto top-up

Activating instant auto top-up automatically disables your direct debit auto top-up. A direct debit agreement will still be visible, but that is expected behaviour.

  1. Go to the Wallet page.

  2. Click on the "switch" banner and follow the on-screen instructions:

How to switch from Instant Auto top up to Direct Debit Auto top up

  1. Disable Instant Auto top up
    1. Navigate to Wallet
    2. Click Manage wallet and select Low Balance Auto top up
    3. Click Disable Auto Top-up
  2. Reload the page to ensure the changes are applied
  3. Activate Direct Debit Auto top-up

How to enable auto top-up: euro currency countries, Denmark, and Sweden

  1. Go to the "Wallet" page.

  2. Click on "Enable auto top-up":

  3. If your company is registered in Denmark or Sweden, then you'll select a minimum balance threshold to trigger the auto top-up:

    If your company is based in a euro currency country, you'll be able to choose between a scheduled auto top-up (weekly or monthly) or a low balance auto top-up:

How auto top-up works in different countries

Relevant to all countries:

  • Pleo runs a balance check upon each transaction.

  • All admins (and bookkeepers with extended permission) will receive an email from Pleo each time an auto top-up has been triggered.

  • By default, bookkeepers do not have access to auto top-up. But admins can grant them access.

  • Pleo will automatically check for auto top-up threshold changes once every 24 hours.

  • It's not possible to cancel or change the amount of pending top-ups.


  • UK:

    • Instant auto top-up: takes under 10 minutes, and is supported 24/7.

    • Direct debit auto top-ups: Once you input and confirm your business bank account details you want to link to your Pleo account, you will also need to confirm the direct debit agreement. It takes 5 working days for the first auto top-up to go through. All subsequent auto top-ups will take between 3-5 working days.

  • Euro currency: Once you enable auto top-up, a direct debit agreement will be automatically created. You can always view your agreement details by going to the Wallet page and clicking "Manage Wallet" then "Direct debit". Funds from auto top-ups will appear in your Pleo Wallet within 1-3 business days.

  • Sweden: Once you enable auto top-up, an autogiro agreement will be automatically created between your bank and Pleo account. Funds from auto top-ups will appear in your Pleo Wallet within 1-3 business days.

  • Denmark: Funds from auto top-ups will appear in your Pleo Wallet within 1-3 business days.

What happens if an auto top-up fails due to insufficient funds

  • For low-balance auto top-up:

Pleo will only re-attempt the auto top-up if your Wallet balance falls even further below the threshold. For example, let's say your threshold is 1000 pounds. When your balance falls to 900 pounds, Pleo attempts an auto top-up. But due to insufficient funds in your organisation's bank account, it fails. When your Wallet eventually falls even lower (to, say, 800 pounds), Pleo will try again.

  • For scheduled auto top-up:

If a scheduled auto top-up fails due to insufficient funds in your organisation's bank account, Pleo will wait until the next scheduled date (set weekly or monthly) to try again.

How to manage (or disable) low balance alerts

The low balance alert does not trigger an auto top-up; it only sends out an email.

By default, all admins receive an email when Pleo notices your Wallet getting low based on previous spending patterns. You can always switch to a notification based on the balance dropping below a certain amount.

To make changes to your low balance alert:

  1. Go to the "Wallet" page.

  2. Click on "Low balance alert" (on the right side of the page):

  3. Click "Manage alerts":

  4. Enter a notification threshold.

  5. Click "Save":

However, if you have enabled auto top-up, you might prefer to opt out of low balance notifications. To do so:

  1. Go to "Settings."

  2. Click "My account."

  3. Click "Notifications."

  4. Adjust your Low balance alert notifications:

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