Employees can connect a personal deposit-only bank account to receive reimbursements for their expense reports.

Connect a Deposit-only Bank Account

1. Hover over Settings, then click Account.
2. Click the Wallet tab on the left.
3. Under Bank Accounts, click Add Deposit-Only Bank Account, then click Connect to your bank.
4. Click Continue.
5. Search for your bank account in the list of banks
6. Follow the prompts to sign in to your bank account using the corresponding username and password.
   • If your bank doesn’t appear, click the X in the right corner of the Plaid pop-up window, then click Connect Manually. You’ll then manually enter your account information and click Save & Continue.
7. Enter the name, address, and phone number associated with the account
8. Click Save & Continue.

Once the bank account is connected to your Expensify account, future reimbursements will be deposited directly.

Using Global Reimbursement

If your organization has global reimbursement enabled and you want to add a bank account outside the US, follow the steps above.

After clicking Add Deposit-Only Bank Account, under Settings > Accounts > Wallet, click Switch Country at the top of the bank selection screen. This will allow you to add a deposit account from a supported country and receive reimbursements in your local currency.

FAQ

I connected my deposit-only bank account. Why haven’t I received my reimbursement?

Check the following possible issues:

• The estimated deposit date on the report has not arrived yet.
• The bank account information is incorrect. If you believe you may have entered the wrong account, contact Concierge (Expensify’s support team) and provide the Report ID for the missing reimbursement.
• Your bank account isn’t set up for Direct Deposit/ACH — please contact your bank to confirm.

What happens if my bank requires an additional security check before adding it to a third party?

If your bank account has two-factor authentication (2FA) or another security step enabled, you should be prompted to complete this authentication step when connecting the account to Expensify.

However, if you encounter an error during this process, you can close the pop-up window and select Connect Manually to add the account manually.

Why don’t the account number and routing number in Expensify match what’s on my bank statement?

Some banks, such as Chase, may display masked or tokenized account numbers when connected via Plaid. This is a security feature implemented by the bank and does not indicate any setup error. As long as the connection was successful and you see your account listed in your Wallet, reimbursements should process correctly.

I can’t find all the details for my bank in Singapore that you require. Where can I find them?

Expensify requires many fields to add a Singaporean Business account (for paying out) or Personal account (for receiving into). The Name and Address fields are self-explanatory. The other fields are:

• Swift Code
• Account Number
• Clearing Code

The Swift code can generally be found by searching for your bank here. It always contains a capitalized alphanumerical string of characters that end in either XXX or the bank Branch Code. There is no requirement to use anything but the XXX head office option.

The Account Number can usually be found on your statement or in your online banking portal. For example, HSBC typically includes the Branch Code (the final three digits of the Swift Code, e.g. HSBCSGS2XXX → 146) in the Account Number. If you see figures like 146172002492, drop the first 3 digits (146), which form the Branch Code, and use the remainder as the Account No.

The Clearing Code is made up of both the Bank Code and the Branch Code to form a full 7-digit Clearing Code. Some bank-specific help is outlined below:

• UOB (Standard Accounts) — Bank Code: 7375. Branch Code: first 3 digits of Account No. Account No: unchanged.
  Example: 9102031012 → Branch Code 030, Clearing Code 7375030, Account No 9102031012.
• DBS — Bank Code: 7171. Branch Code: first 3 digits of Account No. Account No: unchanged.
  Example: 0052312891 → Branch Code 005, Clearing Code 7171005.
• POSBank — Bank Code: 7171. Branch Code: always 081. Account No: unchanged.
  Example: 84102395 → Branch Code 081, Clearing Code 7171081.
• OCBC — Bank Code: 7339. Branch Code: first 3 digits of Account No. Account No: drop the first 3 digits.
  Example: 5501089550 → Branch Code 550, Clearing Code 7339550, Account No 1089550.
• HSBC (Corporate) — Bank Code: 7232. Branch Code: first 3 digits of Account No. Account No: drop the first 3 digits.
  Example: 146172002492 → Branch Code 146, Clearing Code 7232146, Account No 172002492.
• HSBC (Personal) — Bank Code: 9548. Branch Code: first 3 digits of Account No. Account No: drop the first 3 digits.
  Example: 146123843293 → Branch Code 146, Clearing Code 9548146, Account No 123843293.
• SBI — Bank Code: 7791. Branch Code: first 3 digits of Account No. Account No: drop the first 3 digits.
  Example: 27767012518738 → Branch Code 277, Clearing Code 7791277, Account No 67012518738.
• Standard Chartered — Bank Code: 9496. Branch Code: 0 + first 2 digits of Account No. Account No: full 10 digits.
  Example: 1803645852 → Branch Code 018, Clearing Code 9496018, Account No 1803645852.