Why does my Business Account show a negative balance? 

A negative balance happens when you spend or withdraw more money than the funds currently available. This can happen in situations such as: 

  • When transactions require a clearing adjustment that isn’t completed immediately, and there aren’t enough funds to cover the payments once it is finalised

  • When you change your payout destination to an external bank account before certain transactions are fully processed

Negative balances most commonly occur with transactions involving pre-authorisations such as deposits, fuel payments, flight bookings, tools, or/and public transport fees. 

Where can I see negative balances?

Currently, negative balances are only displayed in the mobile SumUp app (iOS and Android). When using a web browser, the balance will appear as £0, even if it is actually negative.

What happens when I have a negative balance?

Usually, a negative balance will be automatically and directly taken from your payouts.

Alternatively, you can choose to top up your Business Account manually by issuing a transfer from another bank account to your SumUp card, which IBAN you can find in your profile. 

Learn how to transfer and add money to your SumUp Business Account