Add funds

Last updated: August 26, 2026

You can add funds to your Checkout Business Account by bank transfer, and use them for Refunds, Issuing payments, or Bank or Card Payouts.

You can generate the bank details and payment reference you need in the Dashboard, or retrieve them using the API.

To generate bank details in the Dashboard, ensure that you have one of the following user roles:

Admin
A custom role with the View balances permission

To retrieve bank details using the API, you need:

Top-ups enabled for the sub-account – The API refers to adding funds to a sub-account as a top-up. To enable top-ups, contact your account manager or request support.
An access token with the balances or balances:top-up-instructions scope, or your secret key.

To generate the bank details and payment reference for your transfer:

Sign in to the Dashboard.
Go to Business account > Balances.
Select Add funds.
From the dropdown menu, select the sub-account you want to add funds to.
Select the balance type: Available balance or Operational balance.
Select the transfer type: Local or International.
Copy the Checkout.com bank details displayed.
You can use the same bank details and payment reference for all transfers of the same type.
Select Done.

Top-up instructions are the bank details and payment reference for a specific sub-account.

Call the Retrieve top-up instructions endpoint, and provide the:

Entity ID that owns the sub-account as the {entityId} path parameter
Sub-account ID as the {currencyAccountId} path parameter – This is the sub-account's currency_account_id, prefixed by ca_.

get

https://balances.checkout.com/entities/{entityId}/currency-accounts/{currencyAccountId}/top-up-instructions

Information

If you're a platform, you can provide your own entity ID to retrieve the top-up instructions for any sub-account beneath you in your hierarchy.

The response returns the sub-account's payment reference and its bank details, grouped by transfer type: domestic or international. A domestic transfer is equivalent to a Local transfer in the Dashboard.

The transfer types available, and the bank details you receive for each one, depend on the country the sub-account is held in. Only beneficiary_account_name and bank_name are returned for every transfer type.


1{
2  "currency_account_id": "ca_g5y7d6jo4e2urgforcbf2ey5jm",
3  "currency": "GBP",
4  "payment_reference": "TP12345678",
5  "bank_details": {
6    "domestic": {
7      "beneficiary_account_name": "Checkout Ltd",
8      "beneficiary_address": "123 High St., London, SW1A 1AA, GB",
9      "bank_name": "Test Bank",
10      "bank_address": "Example Place, Example Square, London, EC2M 4XY, GB",
11      "account_number": "12345678",
12      "sort_code": "123456"
13    },
14    "international": {
15      "beneficiary_account_name": "Checkout Ltd",
16      "beneficiary_address": "123 High St., London, SW1A 1AA, GB",
17      "bank_name": "Test Bank",
18      "bank_address": "Example Place, Example Square, London, EC2M 4XY, GB",
19      "iban": "GB29NWBK60161331926819",
20      "swift_code": "TESTGB2L"
21    }
22  }
23}

Use the bank details to make the transfer from your bank account. Always provide the payment reference in the Reference or Payment description field of the transfer. This ensures the funds are allocated to the correct sub-account and balance.

If you generated the bank details in the Dashboard, the reference prefix indicates the balance the funds are added to:

RF prefix – Your Operational balance
TP prefix – Your Available balance

Note

Do not use any special characters in the bank details. This can delay the funds arriving in your balance.
International transfers may take longer than 24 hours for Checkout.com to receive.

Funds you add appear in your balance activity chart in the Dashboard and in your financial reports.

Supported currencies	Eurozone	UK	US
`EUR` Euro
`GBP` Pound Sterling
`SEK` Swedish Krona
`USD` US Dollar

Supported currencies	Eurozone	Singapore	United Kingdom	United States
`CHF` Swiss Franc
`DKK` Danish Krone
`EUR` Euro
`GBP` Pound Sterling
`HUF` Hungarian Forint
`NOK` Norwegian Krone
`PLN` Polish Zloty
`RON` Romanian Leu
`SEK` Swedish Krona
`SGD` Singapore Dollar
`USD` US Dollar

Add funds

Before you start

Generate bank details in the Dashboard

Retrieve top-up instructions using the API

Information

Response example

Make the transfer

Note

Supported currencies