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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.

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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 Knowing which balance a movement touches is important, because not every balance can be withdrawn.
The gift card balance is spend-only.Funds credited to the gift card balance — whether by depositing to GIFT_CARD_BALANCE or redeeming a Fluz Gift Card — can be used for purchases but cannot be withdrawn to an external account.

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Depositing Funds

Use 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. 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.

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Redeeming a Fluz Gift Card

Fluz 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. See Redeem Fluz Gift Card to Gift Card Balance for details.

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Withdrawing Funds

Use the 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: 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.

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Idempotency

Deposit, 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.

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Requirements at a Glance

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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