Why hasn’t my deposit or withdrawal arrived yet?

Why hasn’t my deposit or withdrawal arrived yet?

If your transaction hasn’t arrived:

  1. Confirm that all payment instructions were followed correctly (especially reference codes)

  2. Check if the payment method was appropriate (e.g. SEPA for EUR, SWIFT for USD)

  3. Review estimated processing times and check if cut-off times may apply

  4. Contact your sending or receiving bank to verify that the payment was successfully sent

If you still need help, contact Support in the app with:

  • Payment reference

  • Screenshot or receipt

  • Date and method used

We’ll investigate and assist you as soon as possible.


    • Related Articles

    • How do I deposit funds into Spike?

      To deposit funds, you must first connect a partner bank and link an eligible bank account. Steps: Tap Deposit on your Spike Dashboard Select a linked bank account View available deposit methods (e.g. SWIFT, SEPA, Faster Payments) Follow the ...

    • How do I withdraw funds to an external bank account?

      To withdraw funds to an external bank account: Transfer funds from your linked platform account to a linked bank account Tap Withdraw in the Dashboard Select the bank account you want to withdraw from Follow the withdrawal instructions ? Withdrawals ...

    • Can I fund my Spike account from another bank?

      Yes. You can send funds from an external bank to a linked partner bank account using the payment details provided in the app. Important conditions: The deposit must be made from a bank account in your name (third-party payments are not supported) The ...

    • How long do deposits, transfers, or withdrawals take?

      Processing times depend on: The selected payment method (e.g. SWIFT, SEPA, Faster Payments) The cut-off times and processing hours of the chosen partner bank Transfers between linked bank and platform accounts are usually processed in near real-time.