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Help Center > Guidelines > How to Load

How to Load

Choose a loading method

1
Load from your bank account
ACH Transfer
See how to
2
Load using a Visa or Mastercard debit card
Debit Card
See how to




FAQs

No. You cannot use someone else's bank account or debit card to load your Smiles Wallet. The name on the bank account or card must match the name registered on your Smiles account.

No, you cannot directly withdraw money from your Smiles Wallet account. However, you can request a refund if you'd like to receive the remaining balance.

Please note that you will be charged a $5 processing fee. If you request a refund after the transfer is complete, the refund amount may vary depending on the exchange rate at the time of the refund.

Processing times depend on your loading method:

  • ACH Transfer: Takes 1–3 business days.
  • Debit Card: Loaded instantly.

The maximum balance for a Smiles account is $5,000. If your account already holds $5,000, you will be unable to load additional funds until a remittance is made.

Other guidelines

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