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# Top Up Your Card: A Step-by-Step Guide

If you’ve reached your monthly budget limit or need to make a purchase that exceeds your predefined budget, you can request a top-up for your card. Approval policies apply to both **virtual cards** and **physical cards**.

## For Requesters: How to Top Up Your Card

1. Navigate to the **Cards** tab on the desktop version of Spendesk (or use the **"Add money"** option on the mobile app).
2. Click on **Top up**.
3. Enter the required amount.
4. Provide a short explanation of why you need the top-up.
5. Click **Top up card**.

Depending on your approval policy, you’ll either receive an automatic confirmation or your approver(s) will need to validate your request. If you belong to multiple teams, the top-up request will be sent to all your approvers, as top-ups are not assigned to a specific team.

**Note:** If no monthly budget has been set by an account Administrator for your physical card, you can only use the card by requesting top-ups.

## For Admins: How to Top Up a Card

1. Go to the **Cards** tab.
2. Select the card you want to load.
3. Review the options on the right-hand side.
4. Click on **Top up**.
5. Enter the amount.
6. Click **Load**.

For debit cards, if you need to reduce the card’s limit, simply click **decrease the limit**.

## FAQ

**1. Who approves my top-up request?**  
Top-up requests are sent to all approvers linked to your account. Approval will depend on your team’s approval policy.

**2. Can I use my physical card without a monthly budget?**  
Yes, but you’ll need to request a top-up each time you wish to use your card.

**3. What if my approver doesn’t respond to the request?**  
If your approver doesn’t respond, you can follow up directly with them. Contact _support@spendesk.com_ if further assistance is required.

**4. Can admins decrease card limits after loading funds?**  
Yes, admins can adjust card limits by using the **decrease the limit** option in the **Cards** tab.