Transfer in a tap
Send money with ACH
Send money via ACH to any bank account in the USA — quickly and safely, with no transfer fees from us. Join us and see for yourself why 70+ million global customers stick with Revolut.
Want to send money internationally? Also check out: Send money from the USA.
Exchange and transfer fees, fair usage limits, and Terms & Conditions apply. Exchange rates and fees shown are for illustration only.
Local bank transfers at your fingertips
Quick and easy payments? Yes, please. Just download our app, add your recipient's ACH account details, enter your amount, and hit Send. We'll handle the rest and keep you posted on the status of your transfer.
Send a transferHow to send money online with ACH
- 1
Join Revolut
Download our free app for iOS or Android, and open an account — with no monthly fees on our Standard plan. Sign up with your SSN, or use your visa to unlock basic features like money transfers.
- 2
Start your transfer
Go to Payments on your home screen. Then tap the plus symbol in the top-right corner, select Bank recipient, and choose ACH next to Recipient details.
- 3
Transfer money
Add your recipient's bank account number, ACH routing number, and personal details. Then enter your transfer amount in USD, check out our fees in-app, and tap Send — we'll take it from there.
Check out those stars
See why people use Revolut for their bank transfers
With Revolut, you can send and track your bank transfers directly in-app, so you'll always know where your money is. Check out our ratings and discover what so many people love about Revolut.
Top tips for smooth bank transfers
Save your recipient's details
Sending money to your favourite person often? Make repeat transfers quick by saving their details in-app.
Track your transfer
Stay up to date on the status of your bank transfer in-app, so you know exactly where your money is at all times.
Double-check your recipient's details
Typos happen, but don't let them happen to you. Make sure you're entering the correct details to avoid transfer delays.
Check your transfer type
Your recipient's account may not be set up to receive certain types of bank transfers. Check with them before sending.
Confirm your recipient's currency
Double-check that their account can receive USD to make sure your transfer can be completed.
Check out our rates and fees
You'll see all costs in-app before you send. That means no surprises — ever.
Other types of bank transfers in the USA
Whether you're sending locally or internationally, find the best transfer type for you in-app.
Send fast with a wire transfer
Choose a wire transfer for more urgent local transfers in the USA. Whereas ACH transfers can take 2 to 5 business days to arrive, wire transfers generally arrive in 1 business day. Heads up — you'll pay a $10 wire transfer fee.
Transfer globally with SWIFT
Choose SWIFT if you're sending money abroad. SWIFT is a network that simplifies international money transfers between countries with different currencies. These transfers usually arrive within 3 to 5 business days, depending on the currency and destination.
Looking to send money abroad?
Check out some of our most popular destinations, and send money via SWIFT. Asia, Africa, Australia — the world is yours.
How we keep your bank transfers safe
Powered by innovative technology, your Revolut app is designed to keep you in control. Consider us your second pair of eyes, always on the watch to keep your transfers secure.
Cybersecurity measures
We've got a cutting-edge prevention system, supported by a dedicated financial crime team.
Software updates
We launch app store updates regularly to stay further ahead of criminals’ latest techniques.
Biometric security
Your app is protected by biometric technology and two-factor authentication to keep hackers out.
24/7 support
Got a question about your money transfer? Contact us via in-app chat — anytime, any day.
Cybersecurity measures
We've got a cutting-edge prevention system, supported by a dedicated financial crime team.
Software updates
We launch app store updates regularly to stay further ahead of criminals’ latest techniques.
Biometric security
Your app is protected by biometric technology and two-factor authentication to keep hackers out.
24/7 support
Got a question about your money transfer? Contact us via in-app chat — anytime, any day.
Easy bank transfers and more, in one app
With Revolut, you can exchange and keep 25+ currencies in-app, and transfer money online in a few taps. But that's just the beginning. Join us and change the way you money.
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Need a little more info?
ACH local bank transfer FAQs
An ACH transfer is a type of local bank transfer in the USA. It allows you to send money electronically to a bank account via the Automated Clearing House (ACH) network.
ACH transfers are commonly used for everyday domestic payments, like direct deposits and bill payments. They usually take 2 to 5 business days to arrive.
ACH transfers and wire transfers are two different methods for transferring money electronically. Both are types of bank transfers used to send money locally to an account in the USA, but they're processed differently.
ACH transfers are commonly used for everyday domestic payments like direct deposits. They're processed through the National Automated Clearing House Association, and they can take 2 to 5 business days to arrive.
Wire transfers are generally used for time-sensitive domestic payments. They're made through 2 Federal Reserve systems: Fedwire and the Clearing House Interbank Payments System (CHIPS). They usually arrive in 1 business day, so they're great if you need to send money quickly.
Local bank transfers made via ACH usually take between 2 and 5 days to arrive.
You won't pay any Revolut transfer fees if you're sending USD to a bank account in the USA via ACH.
Heads up — external and intermediary banks may charge fees that we can't predict.
To send an ACH transfer, you'll need your recipient's bank account number, ACH routing number, and their full name. We may also ask you for some additional information, like their city and phone number.
To send an ACH transfer with Revolut, just follow these steps:
- Download our Android or iOS app for free, then sign up.
- Add money to your Revolut account via card, bank account, Apple Pay or Google Pay, and more.
- Go to Payments on your home screen, and tap the plus symbol in the top-right corner.
- Select Bank recipient, and choose ACH next to Recipient details.
- Add your recipient's details and your transfer amount.
- Check the costs and estimated delivery times — you'll see these before you send.
- Tap Send, and we'll do the rest.