# Add funds

You can add funds to your Checkout Business Account by bank transfer, and use them for [Refunds](https://www.checkout.com/docs/payments/manage-payments/refund-a-payment.md), [Issuing payments](https://www.checkout.com/docs/card-issuing.md), or [Bank or Card Payouts](https://www.checkout.com/docs/payments/request-payouts.md).

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

---

## Before you start

To generate bank details in the Dashboard, ensure that you have one of the following [user roles](https://www.checkout.com/docs/business-operations/use-the-dashboard/manage-users/user-permissions.md#Pre-defined_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](https://dashboard.checkout.com/support/new?topic=case_account_management_and_access&issue=issue_account_changes).
- An [access token](https://www.checkout.com/docs/developer-resources/api/manage-api-keys/oauth-2-0-client-credentials.md) with the `balances` or `balances:top-up-instructions` scope, or your [secret key](https://www.checkout.com/docs/developer-resources/api/manage-api-keys/api-keys.md).

---

## Generate bank details in the Dashboard

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

1. Sign in to the [Dashboard](https://dashboard.checkout.com).
2. Go to _Business account_ > _Balances_.
3. Select _Add funds_.
4. From the dropdown menu, select the sub-account you want to add funds to.
5. Select the balance type: _Available balance_ or _Operational balance_.
6. Select the transfer type: _Local_ or _International_.
7. Copy the Checkout.com bank details displayed. <br>
   You can use the same bank details and payment reference for all transfers of the same type.
8. Select _Done_.

---

## Retrieve top-up instructions using the API

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

Call the [Retrieve top-up instructions](https://api-reference.checkout.com/tag/Balances/#operation/getTopUpInstructions) 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_`.

**Production**

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

**Sandbox**

`GET` `https://balances.sandbox.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.

### Response example

```json
{
  "currency_account_id": "ca_g5y7d6jo4e2urgforcbf2ey5jm",
  "currency": "GBP",
  "payment_reference": "TP12345678",
  "bank_details": {
    "domestic": {
      "beneficiary_account_name": "Checkout Ltd",
      "beneficiary_address": "123 High St., London, SW1A 1AA, GB",
      "bank_name": "Test Bank",
      "bank_address": "Example Place, Example Square, London, EC2M 4XY, GB",
      "account_number": "12345678",
      "sort_code": "123456"
    },
    "international": {
      "beneficiary_account_name": "Checkout Ltd",
      "beneficiary_address": "123 High St., London, SW1A 1AA, GB",
      "bank_name": "Test Bank",
      "bank_address": "Example Place, Example Square, London, EC2M 4XY, GB",
      "iban": "GB29NWBK60161331926819",
      "swift_code": "TESTGB2L"
    }
  }
}
```

---

## Make the transfer

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](https://www.checkout.com/docs/funds-management/retrieve-financial-reports.md).

---

## Supported currencies

**Bank Payouts**

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

**Card Payouts**

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