> For the complete documentation index, see [llms.txt](https://resources.atriptech.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://resources.atriptech.com/api-document/troubleshooting-and-support/faqs/atlas-api-finance.md).
# Finance
{% hint style="info" %}
💬 **Need help?** If you're stuck, ask Eva on ATRIP for instant diagnostics.
Ask Eva
{% endhint %}
Use this page for balance top-up and transfer timing questions.
### What is the top-up process?
1. Remit funds to the Atlas bank account.
2. Submit the top-up in ATRIP.
3. Atlas confirms receipt from the bank.
4. Atlas updates your ATRIP balance.
Balance is usually updated within 24 hours after funds are received.
### How long does a top-up take to credit?
Bank transfer time and balance update are different steps.
* Transfer arrival usually takes `1–3` working days.
* After funds arrive, Atlas usually credits within `24` hours.
### Our bank says the transfer is credited. Why is the balance not updated yet?
Atlas updates the balance after the funds are confirmed in the receiving bank account.\
That confirmation may lag behind the sender-side bank status.
### Which transfer mode should we use?
* Local transfers: **Express** or **Fast Payment**
* Overseas transfers: **SWIFT** or **T/T**
### If funds clear on Friday, when will they post?
If the bank clears the transfer before cut-off, posting can happen the same day.\
Otherwise, it may post on the next banking day, such as Monday.
### Where can we check bank holidays?
Use local bank holiday calendars for planning:
* [Singapore](https://www.mom.gov.sg/employment-practices/public-holidays)
* [Europe](https://www.ecb.europa.eu/ecb/contacts/working-hours/html/index.en.html)
* [US (New York)](https://www.newyorkfed.org/aboutthefed/holiday_schedule)
* [China](https://english.www.gov.cn/policies/latestreleases/202310/25/content_WS65387be8c6d0868f4e8e0a04.html)
### Which amount should we enter in ATRIP?
Enter the amount that Atlas will actually receive.\
Top-up is based on the net received amount, not the gross sent amount.
### Can we top up in any currency?
No.\
Use the settlement currency agreed in your contract.\
This is usually `USD`, `EUR`, or `CNY`.
### Will Atlas credit funds sent outside office hours?
Yes, after the funds are received by the bank.\
Posting is usually within 8 to 24 hours after receipt.
### Can we delete a transfer record or transfer slip in ATRIP?
No.\
If the record was submitted by mistake, contact your account manager for help.
### Can Atlas credit funds based only on a transfer receipt?
No.\
Atlas credits the balance only after funds are received in the bank account.
### Should bank fees be borne by sender?
Yes.\
Use **borne by sender** so Atlas receives the full intended top-up amount.
### Related pages
* [Balance](/api-document/readme/utility-api-overview/balance.md)
* [Payments](/api-document/troubleshooting-and-support/faqs/atlas-api-payments.md)
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