Your cards spend from a dedicated card account, held in USDC. Use Deposit to add funds from any account in your workspace, and Withdraw to move unused funds back out. You can do this from the Set up Cards checklist when you first set up cards, or anytime from the Cards page.
Before you start
You need permission to propose transfers in your workspace, since deposits and withdrawals follow the same approval flow as any other transfer. See Approvals.
The account you're moving from needs enough balance to cover the amount.
Add funds
On the Cards page, select Deposit next to your Spendable balance.
Under From, choose the account to fund from.
Enter an Amount, or select Max.
Select Propose to submit the deposit for approval.
Withdraw funds
On the Cards page, select Withdraw next to your Spendable balance.
Under To, choose the account to send funds to.
Enter an Amount, or select Max.
Select Propose to submit the withdrawal for approval.
Check your card account balance
On the Cards page, the top shows your Spendable balance, with Cashback accrued this month and Spent this month just below. Select the info icon next to Spendable balance to see the breakdown:
Spendable: what your cards can spend right now.
On hold: funds held by pending authorizations that haven't settled yet.
Collateral: your full card account balance (Spendable plus On hold).
What happens next
Deposits and withdrawals don't move instantly. Each one becomes a proposal that follows your workspace's regular approval flow, just like any other transfer: it waits in your inbox until it's approved, then executed. At a 1-of-1 approval threshold, it's approved automatically but still needs to be executed by hand. While a proposal is waiting, a Pending Cards proposal banner shows on the Cards page. Once it's executed, your card account balance updates and the movement appears in your card transactions as a Deposit or Withdraw. See Approvals.
Tip: Keep a little buffer in the card account above what you expect to spend. Some purchases briefly hold up to around 20% more than their price for tips or incidentals, so a bit of headroom keeps purchases near your balance from being declined.
Note: Cards spend in USD, so your Spendable balance can dip below your Collateral while authorizations are processing. See Track card transactions for how spend settles.