Card Funding

How Does Card Funding Work?

Becky avatar
Written by Becky
Updated over a week ago

We are excited to announce a new feature that enables customers to fund their Winden bank account using their debit or credit cards. Keep in mind that only card payments that use 3D Secure can be used for this type of account funding.

Click Here to add money to your Winden account using Card Funding.

Funding your Winden account can now be done with a card by simply clicking on the Add Money button from your Winden account dashboard. *At this time card funding is only accessible through a web browser and not through the mobile app yet.

Then, you’ll be prompted to enter the amount you want to add. Add the amount and then click Continue.

You can then select Debit or Credit Card from the drop-down menu to add funds using our Card Funding option.

Next, you will be redirected to enter your card information through Checkout. Once you have filled out the requested information click the Pay button

You will then be directed to a success page and your funds will be deposited into your account.

See our most Frequently Asked Questions below:

Limits & Verification

  • Is everyone eligible for this type of funding?

    Yes, everyone is eligible.

  • What are the limits for card funding?

    Your monthly limit for card funding is $100. I

  • Why is there a monthly limit for this type of payment?

    This limit helps protect you and us from potential risks involved with payment transactions.

How to pay

  • Can I use any type of card for funding my account?

    Any debit, credit or charge card can be used to fund your account, including internationally issued cards. However, you cannot use a pre-paid card to fund your account.

    If you are using an Amex card, you can only pay in USD. Since Discover cards do not support 3D secure, we do not allow the use of these cards.

  • Can I use Apple or Google Pay to fund my account?

    Right now, you can only use Google Pay to fund your account. Apple Pay will soon be introduced as well.

  • Can I fund with internationally issued cards? What will the exchange rate be?

    Yes, you can use internationally issued cards. The exchange rate will be determined by Visa at the time of the transaction based on their daily rates.

    You can use the calculator from Visa below to get a good sense of what you may be charged. Note that this calculator may not reflect the exact rate you would be charged but helps to give you an idea:

3D Secure

  • My payment was rejected because I did not use 3D secure. What is 3D secure?

    3D secure is an important protection for you and us as it helps make sure that the owner of the card authorized this transaction.

    You will not be able to fund your account without 3D secure and will need to use a card that supports it.

    Here is a good guide on how 3D Secure works:

  • I haven’t seen a 3D Secure challenge, but my payment was successful. Is my payment still secure?

    Yes, it is still secure. The majority of 3D secure authentications happen without friction, meaning that factors such as your IP, location, and card history are used to determine that you were the owner of the card.

    So, you don’t need to worry about anything as long as you see a successful payment page.

Getting your funds

  • My payment is successful but I’m seeing a notice that my funds cannot be posted at the moment. Why is that?

    During periods of high funding activity, you might see a warning that we could not post the funds to your account. In these cases, we will make sure to fund your account as soon as possible, usually within 24 hours.

    While we strive to make sure that this is a rare incident, if it has occurred to you more than once, please let us know by contacting support.

  • Do you save my card information?

    Unfortunately, we are not saving your card information at the moment, but we will make this available soon.

  • Will I be able to fund my account regularly with a recurring payment?

    No, we do not support recurring card payments to fund your account.

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