You can top-up your SPOT Wallet using your online enabled card or by doing a bank transfer. To top-up using a card, simply link your card (remember you need to go through a 3D Secure process – learn more here) and top-up your Spot Wallet. The money will be available in your account instantly. To top-up by bank transfer you need to login to your bank account, add Spot as a beneficiary and pay your chosen amount to the bank details provided in the app. A bank transfer (or EFT) can take 1 to 2 business days to become available in your Spot Wallet.