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

# Fund your issuing balance

> Deposit funds to your issuing balance and manage card-level balances for Single and Share mode cards.

Before cards can transact, your issuing balance must have sufficient funds. How funds flow depends on the card mode:

* **Share mode** — Transactions deduct directly from the issuing balance. The card's `card_limit` acts as a spending cap.
* **Single mode** — Funds are transferred from the issuing balance into the card at creation. The card operates on its own pre-funded balance.

## Deposit to your issuing balance

Use the Dashboard to deposit funds from your banking account into your issuing balance.

<Accordion title="Dashboard: Deposit to main issuing account">
  1. Sign in to the Dashboard and select **Card Issuance**.

  <img src="https://mintcdn.com/uqpay-0838527a/ynKaMDHkJfeg6L8y/images/card-issuance/funding-your-issuing-balance-1.png?fit=max&auto=format&n=ynKaMDHkJfeg6L8y&q=85&s=c178db47b86e210425fe25067706ee4f" alt="funding your issuing balance 1" width="1352" height="734" data-path="images/card-issuance/funding-your-issuing-balance-1.png" />

  2. Select the **Deposit** button.

  <img src="https://mintcdn.com/uqpay-0838527a/ynKaMDHkJfeg6L8y/images/card-issuance/funding-your-issuing-balance-2.png?fit=max&auto=format&n=ynKaMDHkJfeg6L8y&q=85&s=9416c569894f3ae325d4ba5934834118" alt="funding your issuing balance 2" width="1350" height="729" data-path="images/card-issuance/funding-your-issuing-balance-2.png" />

  3. Select the currency (USD or SGD) and enter the amount.
  4. Press **Transfer** to process.

  <img src="https://mintcdn.com/uqpay-0838527a/ynKaMDHkJfeg6L8y/images/card-issuance/funding-your-issuing-balance-3.png?fit=max&auto=format&n=ynKaMDHkJfeg6L8y&q=85&s=94aa1355174e6f100be3b6ddcd4c79fd" alt="funding your issuing balance 3" width="1352" height="735" data-path="images/card-issuance/funding-your-issuing-balance-3.png" />
</Accordion>

## Transfer between main and sub-accounts

If you use sub-accounts, you can transfer funds between your main issuing account and sub-accounts.

**Via API:** Use the [Create Issuing Transfer](/card-issuance/v1.6/api-reference/create-issuing-transfer) endpoint:

```bash theme={null}
curl -X POST https://api-sandbox.uqpaytech.com/api/v1/issuing/transfers \
  -H "x-auth-token: YOUR_API_TOKEN" \
  -H "x-idempotency-key: $(uuidgen | tr '[:upper:]' '[:lower:]')" \
  -H "Content-Type: application/json" \
  -d '{
    "source_account_id": "main-account-uuid",
    "destination_account_id": "sub-account-uuid",
    "amount": 5000,
    "currency": "USD"
  }'
```

<Accordion title="Dashboard: Transfer between accounts">
  1. Navigate to the **Transfer** screen.
  2. Click **New transfer** in the top-right corner.
  3. Fill in source account, destination account, and currency.
  4. Click **Create**.

  <img src="https://mintcdn.com/uqpay-0838527a/ynKaMDHkJfeg6L8y/images/card-issuance/funding-your-issuing-balance-3-2.png?fit=max&auto=format&n=ynKaMDHkJfeg6L8y&q=85&s=b3bef9f6613b4d49cd8ddd41cd8ad463" alt="funding your issuing balance 3 2" width="1907" height="687" data-path="images/card-issuance/funding-your-issuing-balance-3-2.png" />

  <img src="https://mintcdn.com/uqpay-0838527a/ynKaMDHkJfeg6L8y/images/card-issuance/funding-your-issuing-balance-4.png?fit=max&auto=format&n=ynKaMDHkJfeg6L8y&q=85&s=955b21b963186e882babe42ebca8570d" alt="funding your issuing balance 4" width="511" height="490" data-path="images/card-issuance/funding-your-issuing-balance-4.png" />
</Accordion>

## Check your issuing balance

Use the [Retrieve Issuing Balance](/card-issuance/v1.6/api-reference/retrieve-issuing-balance) or [List Issuing Balances](/card-issuance/v1.6/api-reference/list-issuing-balances) endpoints to check your current balance.

```bash theme={null}
curl "https://api-sandbox.uqpaytech.com/api/v1/issuing/balances?page_number=1&page_size=10" \
  -H "x-auth-token: YOUR_API_TOKEN" \
  -H "Content-Type: application/json"
```

## Manage card-level balances

### Recharge a card

Add funds to a card using the [Card Recharge](/card-issuance/v1.6/api-reference/card-recharge) endpoint.

* **Single mode**: Transfers funds from the issuing balance into the card.
* **Share mode**: Increases `card_available_balance` without transferring funds.

```bash theme={null}
curl -X POST https://api-sandbox.uqpaytech.com/api/v1/issuing/cards/{card_id}/recharge \
  -H "x-auth-token: YOUR_API_TOKEN" \
  -H "x-idempotency-key: $(uuidgen | tr '[:upper:]' '[:lower:]')" \
  -H "Content-Type: application/json" \
  -d '{"amount": 500}'
```

A `card.recharge.succeeded` [webhook](/card-issuance/v1.6/webhooks/card-recharged) fires upon completion.

### Withdraw from a card

Remove funds from a card using the [Card Withdraw](/card-issuance/v1.6/api-reference/card-withdraw) endpoint.

* **Single mode**: Returns funds from the card to the issuing balance.
* **Share mode**: Decreases `card_available_balance`.

```bash theme={null}
curl -X POST https://api-sandbox.uqpaytech.com/api/v1/issuing/cards/{card_id}/withdraw \
  -H "x-auth-token: YOUR_API_TOKEN" \
  -H "x-idempotency-key: $(uuidgen | tr '[:upper:]' '[:lower:]')" \
  -H "Content-Type: application/json" \
  -d '{"amount": 200}'
```

A `card.withdraw.succeeded` [webhook](/card-issuance/v1.6/webhooks/card-withdraw) fires upon completion.

## Related

* [Core concepts](/card-issuance/v1.6/guide/core-concepts) — Single vs. Share mode funding differences
* [Card Recharged webhook](/card-issuance/v1.6/webhooks/card-recharged)
* [Card Withdraw webhook](/card-issuance/v1.6/webhooks/card-withdraw)
* [List Issuing Balances API](/card-issuance/v1.6/api-reference/list-issuing-balances)