To start using the cards that you've created, you must first transfer funds to the card's connected wallet. This gives you greater control over user spending by ensuring that the card can only access the funds that you choose to transfer to the wallet.
One-off immediate transfer from a Main wallet
1. From the left-side menu, select Wallets and then select Main wallets.
2. Select the wallet that you want to transfer funds from.
3. Select the Transfers tab.
4. Choose Select destination.
5. Choose the destination for your transfer and then select Confirm.
6. Enter the amount that you want to transfer and select Confirm transfer.
The funds will be transferred immediately from the Main wallet to your selected destination.
When you create a card in Soldo, it must be connected to a funding source. This determines which wallet the card will pull money from when a payment is made.
Funding sources for User and Company cards
The available funding sources depend on the card type and your Soldo plan:
User cards
- User wallet – A personal wallet linked to the user. You can transfer funds to it as needed.
- Main wallet – The card has access to the full balance of the Main wallet (subject to any spending rules or limits).
- Company wallet – Available on Plus and Unlimited plans. Use this for team or department-level budgets.
Company cards
- Reserved wallet – A dedicated wallet that only funds this specific Company card.
- Main wallet – Full access to the Main wallet (spending limits and card rules still apply).
- Company wallet – Available on Plus and Unlimited plans.
Make a one-off transfer from a Main wallet
One-off transfers let you move funds manually from your Main wallet to any other wallet in your account.
- From the navigation menu, select Wallets > Main wallets.
- Select the Main wallet for the relevant currency.
- Go to the Transfers tab.
- Click on the Transfer to field.
- Choose the destination wallet using the tabbed navigation (e.g. a User wallet, Reserved wallet, or Company wallet), then click Confirm.
- Enter the amount and add an optional note, then select Confirm transfer.
Examples of one-off transfers:
- Transfer from the Main wallet to a User wallet to fund a User card
- Transfer to a Reserved wallet to fund a Company card
- Transfer to a Company wallet to fund a team, project or departmental budget (Plus and Unlimited only)
Transfer from a Company wallet
If you're on a Plus or Unlimited plan and you're using Company wallets, you can transfer funds directly to:
- User wallets
- Company cards (via Reserved wallets)
- Other Company wallets
- The Main wallet
- From the navigation menu, select Wallets > Company wallets.
- Select the Company wallet you want to transfer from.
- Go to the Transfers tab.
- Click on the Transfer to field.
- Choose the destination wallet using the tabbed navigation (e.g. a User wallet, Reserved wallet, or Company wallet), then click Confirm.
- Enter the amount and add an optional note, then select Confirm transfer.
Make a bulk one-off transfer
If you're an Unlimited customer, you'll be able to benefit from Bulk on-off transfers. Bulk transfers allow you to send funds to multiple wallets in one action, useful for funding several User cards or Company cards at once.
- Go to the Transfers tab in your Main or Company wallet.
- Select Make a bulk transfer.
- Download the template, fill in the wallet details and amounts, then upload the file.
- Review and confirm the transfer.
Set up automatic transfers
To reduce manual work and keep wallets consistently funded, you can set up automatic transfers. There are two types:
1. Periodic transfers
- Automate transfers on a set schedule - daily, weekly, or monthly.
- You can top up by a set amount or bring the wallet up to a specific balance.
2. Low balance transfers
- Trigger a transfer when the wallet balance drops below a defined amount.
- Set caps on daily, weekly, or monthly transfer limits to maintain control.
You'll find the option to set-up periodic or low balance transfers under the Transfers tab for your chosen wallet.
Automate transfers with presets
If you're on an Unlimited plan, you can use auto-transfer presets to apply the same top-up rules across multiple wallets at once.
This is ideal for larger organisations that want to scale wallet funding while keeping consistent rules in place.
Each preset includes:
- Transfer type (periodic or low balance)
- Top-up rules (amounts and thresholds)
- Source wallet (e.g. Main or Company wallet)
- The list of wallets the preset should apply to
Once assigned, the preset automatically manages top-ups based on your rules. You can edit, reassign, or remove presets at any time.
Need help managing spend?
For help setting up card rules, card limits, and spend controls, see our guide: Set up card rules and spending limits.