You can add a personal bank account to receive reimbursements in over 190 countries. All personal accounts are managed under Settings > Wallet > Bank Accounts. The steps differ depending on whether you’re connecting a US or non-US account.

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Add a U.S. Bank Account

For U.S. accounts, Expensify uses Plaid, a secure third-party provider that verifies your banking information.

To connect a U.S. bank account:

1. Go to Settings > Wallet > Bank Accounts.
2. Click Add Bank Account.
3. Select United States as your country.
4. Follow the Plaid connection flow:
   • Choose your bank.
   • Enter your credentials.
5. Once complete, your account will appear in the Bank Accounts section.

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Add a Non-U.S. Bank Account

Non-U.S. accounts are added manually by entering your bank details. The fields vary depending on your country and currency.

To connect a non-U.S. bank account:

1. Go to Settings > Wallet > Bank Accounts.
2. Click Add Bank Account.
3. Select your country.
4. Confirm or update the currency (defaults to local currency).
5. Enter your bank account details, which may include:
   • Account number
   • Routing or SWIFT code
   • Optional fields (clearly marked)
6. Select your account type (e.g., Current or Savings).
7. Enter your bank name and address.
8. Add your personal details, such as name and residential address.
   • Some fields may auto-fill from your profile.
9. Review your details on the Confirmation screen.
   • Tap any field to edit.
   • Accept the Terms of Service and click Confirm.
10. Once connected, your account will appear in the Bank Accounts section.

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FAQ

Can I add more than one personal bank account?

Yes. You can add multiple accounts, but only one can be selected as the default for reimbursements.

Can I delete a bank account?

Yes. Use the three-dot overflow menu beside any account to delete it.

Is there a fee to add a personal account?

No. Expensify does not charge you to add or use a personal account. It’s included in your Expensify subscription.

Are there countries where personal bank accounts aren’t supported?

Yes. Expensify supports personal bank accounts from 190+ countries, but there’s a small number not supported. The full list of supported countries is available when adding a personal bank account.

Why can’t I add my HSBC bank account details in Singapore?

You can. HSBC typically includes the branch code which is the final three digits of the Swift Code (HSBCSGS2XXX) in their “Account Number”. If you see figures like “146172002492”, please drop first 3 digit (146) which is the Branch Code.