How to send money to a bank account in the US

Whether you're moving money between your own accounts or paying a friend back for dinner, knowing the best ways to send money to a bank account helps you save time and keep your costs down.

In the US, online transfers and digital platforms like ours have made this much easier, letting you handle most payments right from your phone.

We've made our app intuitive, helpful, and cost-effective. If you want to skip the lines at branches and extra fees, sign up with us and start sending money easily.

Revolut transfers to bank accounts within the US in USD come with no charges, and we provide payment options that move your money fast.

Read on to learn more about transfers to bank accounts, and start sending money to bank accounts once you’re ready.

Exchange fees,remittance fees, fair usage limits, and Terms and Conditions apply.

The information provided is accurate as of May 14, 2026.

The content of this page is for general information purposes only and does not constitute financial advice. If you have any questions about your personal circumstances, please seek professional and independent advice. Revolut is not a financial advisor.

How to send money to a bank account with us

If you need a fast answer on how to move your money, here's a step-by-step for most online payments:

1. Download the app: Find us in the App Store or Google Play Store.
2. Sign up: Type in your phone number and follow the steps to show us who you are.
3. Add money: You can put money into your account from another bank or by linking a debit card.
4. Go to the Payments tab: Then tap + Add new, and choose Bank.
5. Add your recipient's details.
6. Send: Enter the amount and currency, check the details and applicable fees or exchange rate, and tap Send to get your money moving.

What information do you need to send money to a bank account?

You'll need specific info to make sure your money gets to the right place. To send money to a bank account in the US, here's what you'll usually need:

• Their full name: The real name on the account you're sending to.
• Routing number: A 9-digit code that identifies the financial institution where the account is held.
• Account number: The unique number for that specific checking or savings account.
• Account type: Tell us if you're sending to a checking or savings account.

Getting this info right is important because once a transfer's started, it can be hard to reverse. Always check these one last time before you confirm the transfer.

Bank transfer networks in the US

You can move money to a bank account via 2 main methods: classic bank transfers that ‌go through the ACH network, and wire transfers. The right choice depends on how quickly you need the money to arrive and how much you're willing to pay in fees.

Domestic ACH transfers

Automated Clearing House (ACH) transfers are the most commonly used method for moving money between US accounts.

• Speed: These usually take 1–3 business days to go through, but can take up to 5 days in certain circumstances.
• Cost: With Revolut, transfers using ACH in USD don't cost anything.
• Usually used for: Normal bills, getting your pay, and transfers that aren't urgent.

Domestic wire transfers

Wire transfers are built for speed and are often used for sending large amounts.

• Speed: These are usually done on the same day if you send them before the provider’s daily cutoff time.
• Cost: They may involve higher fees, with some providers charging up to $35. At Revolut, wire transfers only cost $10.
• Usually used for: Urgent and large payments, like a deposit for a new house.

Can I send money from a card to a bank account?

Yes, you can send money from a card to a bank account by using an app like ours to bridge the gap.

By linking your debit card to our app, you'll be able to take money from that card and send it to a recipient’s bank account. If you use a credit card, keep in mind that your card provider may treat it like taking cash out of an ATM. This usually means they'll charge you extra fees.

How to transfer cash to a bank account

If you've got physical cash that you want to put into a bank account that isn't yours, it's a little more complex because of safety and security rules. These are your options:

• Pay in at a branch: You can go to a branch of the bank you're sending to and fill out a slip. But many US banks will no longer let you put cash into an account if your name isn't on it.
• Money orders: You can buy a money order at a post office or shop using cash, then post it to the recipient so they can pay it in.
• Shop transfer services: Some places let you pay cash at a counter to send it to a bank account, but this carries fees.
• Use Revolut: You can add cash easily to your Revolut account at select retailers (known as Participating Retailers) via the Add Cash feature for a retail service fee of up to $4.95, which will be collected by the Participating Retailer. Participating Retailers are displayed in our app. Once the cash is added to your account, you can transfer it to a bank account. Add Cash Terms and Conditions, fees, and limits apply.

Why send money with Revolut?

We've built an easy and quick way to move money. Whether you're sending USD at home or abroad, we've made the whole thing simple and clear.

With an account from us, you can:

• Send US dollars within the US at no extra cost.
• Clearly see fees: If your transfers involve fees, we'll show you exactly what they are before you send anything.
• Get competitive rates: If you're sending money abroad, we'll use competitive rates so more of your money gets there. Fair usage limits and weekend fees may apply, depending on your plan.
• Handle it all in-app: You can save people's details so you can send money again quickly.
• Use modern and fast methods: Transfers to other Revolut customers don't trigger extra costs and arrive faster.
• Keep track: We'll give you live updates so you know where your money is.