Add & Withdraw Funds via External Accounts
Move money between a user's Fluz wallet and their external accounts — a bank account, bank card, or digital wallet (PayPal, Venmo). Deposits bring money into the Fluz wallet from an external source to fund purchases; withdrawals send money out of the Fluz wallet to a linked external destination.
This differs from moving money within Fluz: to shift funds between a user's own spend accounts use Transfer Funds Between Spend Accounts, and to send funds to a different Fluz account use Account to Account Transfers.
| Direction | Page | What it does |
|---|---|---|
| In | Deposit Funds From External Accounts | Add money to a Fluz balance from a linked funding source. |
| In | Redeem Fluz Gift Card to Gift Card Balance | Credit a Fluz Gift Card code to the gift card balance. |
| Out | Withdraw Funds To External Account | Send money from a Fluz balance to a linked external account. |
Fluz Balances
Deposits and withdrawals interact with a few distinct balances. Knowing which balance a movement touches is important, because not every balance can be withdrawn.
| Balance | Funded by | Withdrawable |
|---|---|---|
| Cash balance | Deposits from a funding source | ✓ |
| Rewards balance | Cashback earned on purchases | ✓ |
| Gift card balance | Deposits to GIFT_CARD_BALANCE and redeemed Fluz Gift Cards | ✗ (spend only) |
| Reserve balance | Deposits to RESERVE_BALANCE | ✗ (held in reserve) |
The gift card balance is spend-only.Funds credited to the gift card balance — whether by depositing to
GIFT_CARD_BALANCEor redeeming a Fluz Gift Card — can be used for purchases but cannot be withdrawn to an external account.
Depositing FundsUse the depositCashBalance mutation to move money into Fluz from a linked funding source. You choose the destination balance (CASH_BALANCE, GIFT_CARD_BALANCE, or RESERVE_BALANCE) and the funding source — a bankAccountId, bankCardId, or paypalVaultId retrieved from getWallet. When depositing to a cash balance, you can target a specific spend account with userCashBalanceId.
depositCashBalance mutation to move money into Fluz from a linked funding source. You choose the destination balance (CASH_BALANCE, GIFT_CARD_BALANCE, or RESERVE_BALANCE) and the funding source — a bankAccountId, bankCardId, or paypalVaultId retrieved from getWallet. When depositing to a cash balance, you can target a specific spend account with userCashBalanceId.Deposits may settle instantly or within 2–5 business days depending on the funding source. Requires the MAKE_DEPOSIT scope.
See Deposit Funds From External Accounts for the full input and response reference.
Redeeming a Fluz Gift CardFluz Gift Card is a special kind of deposit. The redeemFluzGiftCard mutation credits a gift card code directly to the user's gift card balance (giftCardCashBalance). Redemptions are instant, and any activation fee is reflected in depositFee. Requires the MAKE_DEPOSIT scope.
redeemFluzGiftCard mutation credits a gift card code directly to the user's gift card balance (giftCardCashBalance). Redemptions are instant, and any activation fee is reflected in depositFee. Requires the MAKE_DEPOSIT scope.See Redeem Fluz Gift Card to Gift Card Balance for details.
Withdrawing Fundsthe withdrawCashBalance mutation to send money out of Fluz to a linked external account. You choose the source balance (CASH_BALANCE or REWARDS_BALANCE) and a withdrawal method, providing the matching destination ID:
withdrawCashBalance mutation to send money out of Fluz to a linked external account. You choose the source balance (CASH_BALANCE or REWARDS_BALANCE) and a withdrawal method, providing the matching destination ID:| Method | Required field | Notes |
|---|---|---|
BANK_ACH | bankAccountId | ACH transfer to a linked bank account. Typically settles in 1–3 business days. No fees. |
BANK_CARD | bankCardId | Push-to-card transfer to an eligible linked debit card. May have fees. |
PAYPAL | paypalVaultId | Transfer to a linked PayPal account. May have fees. |
VENMO | venmoAccountId | Transfer to a linked Venmo account. May have fees. |
When withdrawing from a cash balance, specify which spend account to draw from with cashBalanceId. Withdrawals require the MAKE_WITHDRAWAL scope.
See Withdraw Funds To External Account for the full input reference, error handling, and multi-seat behavior.
Idempotencydeposit, redemption, and withdrawal must include a unique, client-generated idempotencyKey. If the same key is submitted more than once, the API returns the result of the original request instead of processing it again — preventing duplicate money movement. Always generate a fresh UUID per request.
idempotencyKey. If the same key is submitted more than once, the API returns the result of the original request instead of processing it again — preventing duplicate money movement. Always generate a fresh UUID per request.Requirements at a Glance
| tion | Mutation | Scope |
|---|---|---|
| Deposit funds | depositCashBalance | MAKE_DEPOSIT |
| Redeem a Fluz Gift Card | redeemFluzGiftCard | MAKE_DEPOSIT |
| Withdraw funds | withdrawCashBalance | MAKE_WITHDRAWAL |
Before moving funds, use Check Account Balance or getWallet to confirm the user has sufficient available balance and to retrieve the relevant funding source IDs.
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