> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fluz.app/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

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](/features/transfer-between-spend-accounts), and to send funds to a different Fluz account use [Account to Account Transfers](/features/account-to-account-transfers).

| Direction | Page                                                                             | What it does                                                 |
| --------- | -------------------------------------------------------------------------------- | ------------------------------------------------------------ |
| **In**    | [Deposit Funds From External Accounts](/features/deposit-from-external-accounts) | Add money to a Fluz balance from a linked funding source.    |
| **In**    | [Redeem Fluz Gift Card to Gift Card Balance](/features/redeem-fluz-gift-card)    | Credit a Fluz Gift Card code to the gift card balance.       |
| **Out**   | [Withdraw Funds To External Account](/features/withdraw-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 Knowing which balance a movement touches is important, because not every balance can be withdrawn.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) |

<Note>
  **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.
</Note>

***

## 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](/features/deposit-from-external-accounts) for the full input and response reference.

***

## 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](/features/redeem-fluz-gift-card) for details.

***

## 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:

| 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](/features/withdraw-to-external-account) for the full input reference, error handling, and multi-seat behavior.

***

## 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.

***

## 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](/check-account-balance) or `getWallet` to confirm the user has sufficient available balance and to retrieve the relevant funding source IDs.

***

**Want to learn more?** Speak with our experts for more info or to request a demo.