How to top up Steam: official methods and safety

There are three official ways to top up your Steam Wallet: 1) in Steam itself — Account → “Add funds” — with a card or a local payment method Steam supports in your country; 2) a Steam digital gift card that a friend sends straight to your account; 3) a wallet code (Steam Gift Card) from an authorised seller. Limit: funds added plus spent within 24 hours — no more than US$2,000 or equivalent. Never share your password or Steam Guard codes — not with sellers, not with “support”.

✔ Facts and links checked: 2026-10-02 · 🔎 485 365 searches per month (Yandex Wordstat)

💳 Add funds in Steam ↗ 🎟 Redeem a code ↗ 🎁 Digital gift cards ↗

Three official ways

1✓ official

Pay in SteamA card or your country’s local method. Unused funds are refundable within 14 days (Steam rules).

2✓ official

Digital gift cardA friend buys it in their Steam and sends it to your account; the amount is converted to your currency.

3✓ official

Wallet code (Gift Card)Redeemed at store.steampowered.com/account/redeemwalletcode. Valve does not refund codes bought from third parties.

Adding funds in Steam: step by step

Open the add-funds page
In the Steam client: click your profile name top right → “Account details” → “Add funds to your Steam Wallet”. Or open store.steampowered.com/steamaccount/addfunds — the address must start exactly like that.
Choose an amount
Amounts are shown in your wallet currency. To reach a custom amount, buy several denominations.
Choose a payment method
The list depends on your account country and location. If a method is missing, Steam does not accept it in your country.
Confirm the payment
After your bank confirms, funds usually appear immediately; some methods (cash, bank transfers) take longer.

Countries: wallet currency and payment methods

Country	Steam Wallet currency	Pricing region	Payment methods (per Steam)
🇷🇺 Russia	`RUB`	own currency	5 methods
🇰🇿 Kazakhstan	`KZT`	own currency	2 methods
🇧🇾 Belarus	`USD`	CIS — USD	6 methods
🇺🇿 Uzbekistan	`USD`	CIS — USD	6 methods
🇰🇬 Kyrgyzstan	`USD`	CIS — USD	6 methods
🇦🇲 Armenia	`USD`	CIS — USD	6 methods
🇬🇪 Georgia	`USD`	CIS — USD	6 methods
🇦🇿 Azerbaijan	`USD`	CIS — USD	6 methods
🇺🇦 Ukraine	`UAH`	own currency	2 methods
🇹🇷 Turkey	`USD`	MENA — USD	3 methods
🇦🇷 Argentina	`USD`	LATAM — USD	2 methods
🇧🇷 Brazil	`BRL`	own currency	13 methods
🇲🇽 Mexico	`MXN`	own currency	5 methods
🇺🇸 United States	`USD`	own currency	6 methods
🇩🇪 Germany	`EUR`	own currency	8 methods
🇪🇸 Spain	`EUR`	own currency	8 methods
🇵🇱 Poland	`PLN`	own currency	8 methods
🇮🇳 India	`INR`	own currency	8 methods
🇮🇩 Indonesia	`IDR`	own currency	5 methods
🇸🇦 Saudi Arabia	`SAR`	own currency	2 methods

🟩 Refund to the original payment method · 🟨 Refund to Steam Wallet only. The list is taken from Steam’s official “Payment Methods” page for this country. What is available to you is shown at Steam checkout: card availability also depends on the issuing bank.

What has changed

Physical Steam gift cards are leaving stores. In June 2026 Valve announced it will not restock retail cards because of fraud; they are expected to run out by the end of 2026. Digital gift cards in Steam remain.
Turkey and Argentina use dollars. Since 20 November 2023 wallets there were converted from lira and pesos to U.S. dollars, and the countries joined the MENA and LATAM USD regional groups.

🛡 Security: how not to lose your account and money

Never share your password or Steam Guard codes. A service that needs your password or a mobile app code to “top up” gets full access to your account — that is an account theft scheme. A Steam account is personal and may not be transferred under the agreement.
Check the address. Adding funds and redeeming codes happen only on store.steampowered.com; signing in only on steamcommunity.com or store.steampowered.com. Phishing copies differ by a single letter.
“Top-up by login” through an intermediary. If a service asks only for your login it has no account access, but you are paying an intermediary: Valve does not refund purchases made outside Steam, and if something goes wrong you depend on them alone. Make sure the final amount in your wallet currency is shown before you pay.
Gift cards are for you or people you know. If anyone asks you to pay a fine, debt or “service” with Steam cards, it is a scam: real organisations do not accept payments that way.
Enable Steam Guard in the Steam Mobile app. It protects against sign-ins from other devices and trades confirmed without you.

Changing region: what is allowed

Your store country follows where you live. The Steam Subscriber Agreement forbids using IP proxies or other methods to disguise your residence to circumvent regional restrictions or buy at another country’s prices; violations can lead to account termination.

After a genuine move, the store country changes once you make a purchase with a payment method from the new country while located there. According to Steam’s notice, an account’s country can change no more than once every three months.

Gift cards and codes from any country are converted to your wallet currency on redemption — “buying another country’s code cheaper” does not mean getting more.

Calculator: how much reaches your wallet

Enter the amount and the terms quoted by your code seller or service (percentage and/or fixed fee). We do not prefill intermediaries’ fees — they differ and change often.

You pay Fee, % Fixed fee Rate (1 unit paid = ? wallet units)

Reaches your wallet—

Lost to fees—

Effective markup—

Steam limit: funds added plus funds spent from the wallet within 24 hours — no more than US$2,000 or the local-currency equivalent (Steam Subscriber Agreement, section 3.C).

🚀 Coming soon: Steam top-up on FPSHQ

We are building our own top-up service: official digital codes and a transparent fee shown before payment. Leave a contact — we will message you once at launch. No newsletters.

🔒 We use your contact only for a single launch notification. We will never ask for your Steam password.

FAQ

Can I top up Steam with no fee?

Steam does not charge a fee for adding funds — you pay exactly the chosen amount in your wallet currency. Your bank (for currency conversion) or an intermediary may add fees if you buy a code outside Steam.

What is the maximum I can add?

Under the Steam Subscriber Agreement funds added plus funds spent from the wallet within any 24 hours cannot exceed US$2,000 or the local-currency equivalent.

Can I get money back from the wallet?

Funds bought on Steam can be refunded within 14 days if unused. Wallet funds are otherwise non-refundable and non-transferable; Valve does not refund codes bought from third parties.

Can I use a card from another country?

Steam shows payment methods for your account country and location. Hiding your real location (VPN, proxies) is prohibited by the Steam agreement and can lead to account termination.

How long does crediting take?

Card or e-wallet payments in Steam usually appear right after the bank confirms. Cash or bank-transfer methods can take longer — Steam shows the timeframe when you select the method.

Can I transfer wallet money to a friend?

No, wallet funds are non-transferable. You can buy your friend a game as a gift or send a digital gift card from your Steam.

Official sources

Facts and links checked: 2026-10-02

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