Minimum Balances (US Accounts)

Minimum Balances (US Accounts)

Owners and admins can set a minimum balance to help keep cards funded automatically.

Set A Minimum Balance

Configure a minimum balance from the Account Details page.

1. Go to Account Details under the Admin tab.
2. Select the edit button next to Minimum Balance.
3. Enter the desired minimum balance amount.
4. Choose whether to transfer funds every Thursday or every day.
5. Select the threshold that triggers an automatic transfer when the balance drops below 10%, 25%, or 50% of the minimum balance.

The minimum amount for automated transfers is $20.

Account Details page showing the Minimum Balance settings and automated transfer options.

How To Determine Your Minimum Balance

Emburse recommends setting your minimum balance to your highest expected daily spend plus a cushion for unexpected purchases.

The minimum balance does not need to equal the total card limits. Your account balance is impacted only by actual spending, not by the total budget assigned to cards.

If your business has four cards with $200 weekly budgets and you expect each card to spend about $100 per day, set a minimum balance of approximately $500.

This covers $400 in expected daily spend plus a 20% cushion.

You do not need to maintain $800 in your account. Cards are funded based on actual spending.

Guidelines For Variable Spending

If your business expenses fluctuate, consider the following best practices.

  • Increase your minimum balance to provide a larger cushion, such as 40% or more above expected daily spend.
  • Schedule transfers daily instead of weekly to maintain consistent funding.

Automated transfers run shortly after 12:00 PM PST. Transfers cannot exceed your daily transfer limit. To request an increase to your daily transfer limit, contact Support.

Turn Off The Minimum Balance Feature

To disable the minimum balance feature, enter $0 in the Minimum Balance field and select Save.

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