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It depends on how you want to do it. I usually manually top up, at which point they will take it from the balance not the card (if you have enough in balance to cover the bill). This is key if you need to choose which card to pay using, rather than EBP just drawing on the default card. Just be aware that they recently added a feature of a savings account which if funded will not show in your bill balance - it's quite confusing. Don't fund your savings account if you want to pay bills.