Top-upsFAQs Featured Is a top-up a loan? Can I decline a top-up? What happens if I don't respond to a top-up notification? Can I assign top-ups to more than one employer? Can I get more than one top-up? How do you work out my average pay? Manual review of a top-up What counts as pay? What pay do you top-up? How quickly does IncomeSmoothing detect my pay? When are top-ups deposited into my current account? What are early top-ups? How do I get a top-up? When can I have a top-up?