> ## Documentation Index
> Fetch the complete documentation index at: https://docs.rc.cleverhub.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Clever Connect FAQ

> Answers to common questions about Clever Connect: balance models, existing merchants, settlements, Treasury Accounts, and testing deposits and transfers.

Common questions about how Clever Connect works. For the full detail behind each answer, follow the links through to the relevant page.

<AccordionGroup>
  <Accordion title="Can I switch between balance models later?">
    No. Your [balance model](/platform-overview/clever-concepts/balance-models) is fixed once your account is activated and cannot be changed afterwards. Choose carefully during onboarding.
  </Accordion>

  <Accordion title="Do existing merchants need to take any action?">
    No. Existing merchants automatically continue on the Aggregated Balance model with no changes to their workflows. There is no balance migration, no historical transaction migration, and no impact on existing settlements or withdrawals.
  </Accordion>

  <Accordion title="Do I need to select an account to create settlements?">
    It depends on your model. [Aggregated Balance](/platform-overview/clever-concepts/balance-models) merchants do not need to select an account. [Dedicated Balance](/platform-overview/clever-concepts/balance-models) merchants must select one.
  </Accordion>

  <Accordion title="Will my historical transactions be moved into separate accounts?">
    No. Historical transactions stay exactly where they are and are not migrated.
  </Accordion>

  <Accordion title="Why would I choose Dedicated Balance?">
    Because it keeps funds clearly separated. It suits merchants who run multiple businesses or brands, who need separate balances for different payment flows, or who want cleaner reconciliation and reporting at the account level.
  </Accordion>

  <Accordion title="Why would I choose Aggregated Balance?">
    Because it is the simplest option. It suits merchants who want a single balance view, who do not need funds separated by account, and who prefer the same behaviour existing Clever merchants already use.
  </Accordion>

  <Accordion title="What happens to the other accounts when I settle or withdraw under the Dedicated model?">
    Only the account you select is affected. Every other account balance stays untouched.
  </Accordion>

  <Accordion title="Which currencies do Treasury Accounts support?">
    **AUD**. See [supported currencies](/platform-overview/clever-concepts/treasury-accounts#supported-currencies).
  </Accordion>

  <Accordion title="Do Treasury Accounts use Aggregated or Dedicated Balance?">
    Always Dedicated Balance. Because Treasury Accounts are a newer feature, each one holds its own separate balance and is never combined with other accounts.
  </Accordion>

  <Accordion title="How can I test that a deposit works?">
    After creating a Treasury Account, you can simulate a deposit using the TestBank simulator at `https://test-bank.cleverhub.co/bsb-info`. The deposit then appears in the account’s transaction history and updates its balance. See the [deposit flow](/platform-overview/clever-concepts/treasury-accounts#deposit-flow).
  </Accordion>

  <Accordion title="How can I test whether a transfer succeeds or fails?">
    After creating a transfer (status: Processing), copy its Balance ID from the confirmation screen and call `POST {{v2_url}}/transfers/simulate` with that `uuid` and a `status` of `completed` or `failed`. See the [transfer flow](/platform-overview/clever-concepts/transfer-flow#simulating-a-transfer-outcome-api).
  </Accordion>

  <Accordion title="Where do I find the account details I need to make a deposit?">
    On the merchant dashboard, under the Treasury Account’s Account Details tab: account name, account number, BSB code, and bank name. See [finding your account details](/platform-overview/clever-concepts/treasury-accounts#finding-your-account-details).
  </Accordion>
</AccordionGroup>


## Related topics

- [Clever Connect vs. a Standard Account](/platform-overview/clever-concepts/clever-connect-vs-standard.md)
- [Clever Connect Overview](/platform-overview/clever-concepts/overview.md)
- [Add Hello Clever to Xero](/integrations/xero.md)