Once payment has been received, funds will normally be available for use on the FairFX currency card within minutes. However, on rare occasions this can be longer because for the protection of our customers some loads are held back whilst we double check their validity. Please also note you can only top-up twice a day, so please make sure you load what you need.


If you pay us by bank transfer we will only credit your card once we have received your funds from your bank.  Bank transfers can take anything between a few working hours and three working days to reach us after the money has left your account.  The time depends entirely on your bank. This also means that top-ups using bank transfer on a weekend or outside of banking hours cannot be credited to your card until the next bank working day at the earliest.