How to Add Funds to Your Account (USD, EUR & GBP)

Modified on Fri, 26 Jun at 8:00 PM

Wirex One gives you multiple ways to fund your USD, EUR, or GBP account — choose what works best for you.

Your top-up options at a glance

Bank Transfer (SEPA) — Fund your EUR account directly from any SEPA-supported bank.
Bank Transfer (ACH) — Send from any US bank account straight to your USD account.
Bank Transfer (Faster Payments) — Instant transfers from any UK bank to your GBP account.
Debit or Credit Card — Top up your USD or EUR account instantly with any Visa or Mastercard.
Onchain Deposit — Deposit USD- or EUR-based stablecoins at a 1:1 rate. No fees, no verification required.
Salary — Receive your salary directly into your USD, EUR, or GBP account.

Bank Transfer

Send directly from your personal bank account using your Wirex One account details.

EUR account — SEPA (IBAN + BIC) → How to Deposit EUR via SEPA
USD account — ACH (account number + routing number) → How to Deposit USD via ACH
GBP account — Faster Payments (account number + sort code) → How to Deposit GBP via Faster Payments

To find your details: tap Add → Bank Account, then swipe to the account you want to fund, or select the relevant account on the Home screen.

Debit or Credit Card

Add funds instantly with any Visa or Mastercard — save your card details once for quick top-ups in the future → How to Top Up with a Debit or Credit Card

Stablecoin Deposit

USD-based stablecoins → credited to USD account at 1:1
EUR-based stablecoins → credited to EUR account at 1:1

No conversion fee. No spread. No verification required.
→ How to Top Up via Stablecoin Deposit

Salary

Have your salary paid directly into your Wirex One account. Share your account details with your payroll team once — and it arrives automatically every pay cycle.
→ How to Receive Your Salary into Wirex One

Need help?

Deposit not arrived? → My Deposit Hasn't Arrived — Troubleshooting Guide
Card payment declined? → Why Was My Card Top-Up Declined?

FAQ

Which methods are available to me?

It depends on your region and verification status. If a method doesn't appear in the app, it may not yet be available in your country.

Do I need to verify my account to top up?

It depends on the method. Bank transfers and card top-ups require a verified account. Stablecoin deposits via onchain transfer are available without verification.

Can I fund multiple currencies?

Yes. Your USD account, EUR account, and GBP account are held separately, each with their own dedicated account details and funding methods.

Are there any fees?

Wirex does not charge fees for bank transfers or stablecoin deposits. When you top up your account using an external payment card, a Wirex fee may apply based on your card type and transaction amount. The applicable fee is displayed in the app before you confirm the transaction. Your card issuer's own fees may also apply.

Can I use someone else's card?

No. Card top-ups must come from a card where you are the named cardholder.

Where do I see my deposit once it arrives?

In your Activity feed — your balance updates at the same time.

What does the amber status mean?

Amber indicates the transaction is currently being processed. Once the funds arrive, the status will update to final automatically.

How do I check the detailed status of my deposit?

Tap the transaction in your Activity, then tap More to expand the full status timeline — you'll see every stage of the payment process in real time.

What should I do if my payment was rejected?

Check the status timeline — it will show exactly at which stage and by which party the payment was declined. If the reason is unclear, contact Wirex One support with your transaction reference.

How long does it take for a deposit to process?

It depends on the top-up method. Once the funds arrive, the amount and status update automatically. For detailed timeframes, refer to the relevant article for your chosen deposit method.

Still have questions?

Our support team is here to help

Contact support