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Spending Limits & Funding Methods: What You Need to Know

Why is my spending limit tied to my payment method?

Your account’s funding limit is related to the payment method being used. For higher funding amounts, switch from credit card funding to wire transfer or cryptocurrency.

Which funding methods support higher limits?

To support larger spending thresholds, use one of these funding methods:

  • Wire transfer
  • Cryptocurrency

Credit card funding cannot be increased for higher limits.

What funding methods are available?

The following funding methods are supported:

  • Bank transfer (wire transfer)
  • Credit card
  • Crypto payment

What are the minimum funding requirements?

Minimum funding depends on the method and settlement currency:

  • Bank transfer

    • USD: 100
    • EUR: 100
    • GBP: 100

  • Credit card

    • USD: 100
    • EUR: 100
    • GBP: 100

  • Crypto payment

    • Same minimums as above

Which currencies are supported for funding?

Supported settlement currencies and payment currencies include:

  • Bank transfer: USD, EUR, GBP, ZAR
  • Credit card: USD, EUR, GBP
  • Crypto payment: Bitcoin, Ethereum, USDT, USDC (ERC20 and TRC20), Binance Thiel

Are there fees for funding?

Applicable fees depend on the selected payment method and are shown during the funding process.

  • Bank transfer: No explicit Reloadly fee; bank or intermediary charges may apply
  • Credit card: Credit card processing fees apply and are visible in My Reports > Payments History
  • Crypto payment: No explicit Reloadly fee is specified

How long does funding take?

Processing times vary by method:

  1. Bank transfer: Same day during working hours
  2. Credit card: Immediate after card verification
  3. Crypto payment: Approximately 20 minutes

How can I increase my funding capacity?

To move to a higher funding threshold:

  1. Use wire transfer or cryptocurrency
  2. If you are using bank transfer, send the proof of payment to the provided support contact to speed up crediting

What happens to unused wallet funds or failed orders?

Funds successfully credited to a wallet cannot be withdrawn back to the original payment method. Failed orders are handled according to their final transaction status and applicable refund process.