@Garciadanieltsr I've never heard the phrase "top up." Could it have been "top off"? Almost always this is used to refer to a tank that is almost full and someone wants it to be completely full. "I know my gas tank is 90% full, but I always top off my tank before a long trip."
@Garciadanieltsr "Refill" generally applies to liquids and often is a noun. For example, you bought a soda in a restaurant and drank all of it. Then (at some restaurants), you can ask for a free refill.
I can't think of a situation where "refill" could be used to refer to adding money to a balance or account.
You're a brave man for studying English. It's not easy but your understanding is excellent.
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