How do I top up or fund a card?
Cards → select card → Top up, then choose the funding account and amount. Top-ups from your own accounts are instant.
- Sign in and open Cards, then select the card.
- Choose Top up.
- Select the account to fund from and enter the amount.
- Confirm. Top-ups from a Optimal MetroHub Bank account are instant and free.
Cards linked directly to an account
Most debit and virtual cards spend straight from a linked account and never need topping up — simply keep the account funded. The Top up option only appears for prepaid or ring-fenced cards.
Cross-currency top-ups
Funding a card in a different currency from the source account converts at the rate shown before you confirm. Where possible, top up from an account in the card's own currency to avoid conversion entirely.
Top-up did not arrive
Check Transfers → History for the entry. If it is not there, it was not submitted and you can safely repeat it. If it shows as completed but the card balance has not moved after a few minutes, raise a support ticket with the reference.
Did this not solve it?
Raise a support ticket from inside online banking and a specialist will answer with your account in front of them — or contact us if you cannot sign in.
Monday to Friday, 08:00 – 20:00 (CET). Card loss and fraud reporting is staffed 24/7.