Adding money into your account or wallet
This article shows you how to add money into your Send wallet using a bank transfer. You'll learn where to find the deposit details and what happens after you've sent your money.
Are you a business? See Can we receive funds from international clients?
Before you start
- You'll need an active Send account.
- You'll need a wallet in the currency you want to add money in. Your AUD wallet is created for you when you sign up. If you need a wallet in a different currency, you can add one using the + Add wallet button on your dashboard or wallets page.
- You can only fund a wallet using the same currency as that wallet (for example, only AUD into an AUD wallet, only USD into a USD wallet, only GBP into a GBP wallet). For the full list, see Which currencies does Send support?
- You must send the money from a bank account held in your own name (or your business's name, for business accounts). Payments from anyone else will be flagged and may be delayed or returned.
Limits: Send doesn't set a minimum or maximum amount for adding money to your wallet. Your own bank may have its own transfer limits, so please check with them before sending a large amount.
Fees: Send does not charge fees for money being added to your wallet. Your own bank may charge you a fee, and for international (SWIFT) pay-ins, intermediary banks may deduct fees along the way. For more detail, see Fees for receiving money.
How to add money to your wallet
Step 1: Open the wallet you want to add money to
- From the home dashboard, click on the wallet, or
- Click Wallets in the left-side menu and select the wallet from the list.
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Step 2: Find your "Add funds to your wallet" details
- On the wallet page, look for the card with the heading "Add funds to your wallet" below your balances.
- You'll see the bank details you need to send your money to.
- The account name shown will be either SENDFX LIMITED CMA or Send Payments, depending on your wallet. Always use the exact account name shown.
- You can also click the Add funds button for a step-by-step walk-through.
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Step 3: Send the money from your bank
Log in to your own bank’s internet banking or banking app, and make a payment to the details shown on your wallet page. The options available depend on your wallet's currency:
- AUD wallets: standard bank transfer or PayID.
- Other currencies (for example, USD, GBP, EUR): standard bank transfer in that currency.
- RTGS: if your wallet shows RTGS details, you can also use those. If RTGS is not listed and you need it, please contact our support team.
Card payments, POLi and BPAY are not currently supported.
Step 4: Wait for your payment to arrive
Once you've sent the payment, it may take a few minutes to one business day for the money to be ready in your wallet. We'll email you when it arrives, and you can also check your wallet's Available balance in the portal to see whether it has been received.
If you were adding money to fund a payment or transfer you've already booked, your wallet may show an "Overcommitted" alert while the payment is being processed.
In most cases, no further action is needed unless we contact you.
What happens next
- Review: Incoming payments may be reviewed before funds are made available in your wallet. As a regulated financial services provider, we carry out these checks to meet our legal and compliance obligations.
- Status: You can check your wallet for the latest payment status.
- Timing: Local transfers usually arrive within a few hours (up to 1 business day). International (SWIFT) transfers typically take 1–2 business days, but can take longer if processed through intermediary banks.
- Delays: Processing times can vary depending on your bank, payment method, and whether additional review is needed.
Common questions
I sent the money but it's not in my wallet yet
- Most local transfers appear in your Send wallet within a few hours, but may take up to one business day. International transfers can take 1-2 business days.
- Processing times can vary depending on your bank, payment method and public holidays.
- If your funds haven't arrived after the expected bank processing time, contact support and have your bank transfer reference ready.
My payment was returned to my bank
- This can happen if we're unable to accept the payment after review.
- Funds may be returned to the bank account they came from.
- If you're not sure why, contact support.
What account name should I use when adding money to my wallet?
Depending on your wallet, the account name shown will be either SENDFX LIMITED CMA or Send Payments. Always use the exact account name shown in your wallet.
If anything looks different from what you expected, contact support before sending funds.
Why does the account name say SENDFX LIMITED CMA (or Send Payments)?
- SENDFX LIMITED CMA and Send Payments are both names Send uses to receive customer funds, and they refer to the same company.
- Depending on your wallet, you'll see either SENDFX LIMITED CMA or Send Payments. Always use the exact account name shown in your wallet.
- If anything looks different from what you expected, contact support before sending funds.
Can someone else send money to my wallet?
- Send only accepts payments into your wallet from a bank account held in your own name (or your business's name).
- Payments from family, friends, employers, clients or any other third party will be flagged and may be delayed or returned.
- If you're a business expecting payment from an international client, see Can we receive funds from international clients?
Can I add money using a debit or credit card, POLi, or BPAY?
- Not at the moment. Send wallets are funded by bank transfer only.
Contact us
Call Us
Phone: 1800 982 418
International: +61 7 5619 5700
Hours: 8:30am - 5:30pm AEST/AEDT, Monday - Friday