Deposits settle in processing batches rather than the moment you submit, so a deposit that hasn't landed yet is usually in flight, not lost.
What the status means
Pending: the transfer has been submitted and is working through settlement. If you're inside the normal window for the method (see Funding your account), nothing is needed from you.
Filled: the money is in your account.
Failed: the transfer didn't go through. See below.
If a deposit stays Pending longer than expected
Give it the full window for the method. Transfers often complete in a later settlement batch the same day or the next business day. If the window has clearly passed, contact us with the amount, the date, and the method.
Don't submit the deposit a second time. A new submission isn't a retry of the first one — it's a second transfer, and if both go through, both amounts leave your bank. When a deposit looks stuck, contact us rather than resubmitting.
If a deposit shows Failed
Bank connection failed: the link to your bank didn't complete. Reconnect your bank account and try again.
The money left your bank but never appeared: contact us with the amount, the date, and your bank. We'll trace it. Don't start another transfer while we do.
Wire deposits and the reference number
A wire deposit has two steps: you tell us a wire is coming, then you send it from your bank. The confirmation screen shows the receiving bank details and a payment reference. Include that reference in the wire exactly as shown, because it's how the incoming transfer gets matched to your account. Without it, matching is manual and the deposit takes longer to land.
Still stuck?
Write to us with the amount, date, and method, and for wires, whether you included the payment reference: Contacting Lumina support.