How to Send USD via ACH

Modified on Tue, 23 Jun at 3:04 PM

Send funds from your Wirex One USD account to any US bank account via the ACH network.

Transfers typically arrive within 1–3 business days.

How to send

Tap Send on the Dashboard or Account screen.

Select Bank Account.

Select an existing recipient or tap Add New to enter recipient details:

First name and last name (or company name)
Account number
Routing number (ABA)
Account type (Checking or Savings)

Tap Continue.

Enter the amount. Your USD account is selected by default — you can switch to another account if needed (currency conversion will apply).

Review the transfer details including any fees.

Tap Confirm to send.

The transfer appears in your Activity immediately with a pending status, updating once processed.

Transfer times

ACH Standard — typically 1–3 business days, depending on your bank. Transfers initiated on weekends or US federal holidays begin processing the next business day.

Important: For complete visibility into every transfer, tap the transaction in your Activity and select More to view the full status timeline.

From the moment a transfer is initiated, it appears in your Activity with an amber status — updating automatically at every stage, from Payment Scheduled through to Sent to Recipient's Account.

Should a transfer be delayed, failed, or rejected at any point, the timeline reflects this instantly — showing exactly where and why, so you're always in control.

FAQ

Who can I send to?

Anyone with a US bank account and a valid ABA routing number. ACH is a US domestic network — for international USD transfers, contact Wirex One support.

Can I send in a currency other than USD?

ACH transfers are USD only. If you send from a non-USD account, the system converts the amount at the prevailing rate and debits the equivalent. The conversion is shown before you confirm.

Is there a fee?

Fees are shown on the Review screen before you confirm. Wirex One displays the full cost breakdown upfront.

What is a routing number?

A 9-digit ABA code identifying the recipient's bank within the ACH network. It is different from the account number — both are required for ACH transfers.

Can I send to a business account?

Yes — select Company when adding the recipient and enter the business name and account details.

Why does my transfer show an amber status?

Amber indicates the transfer is currently being processed. The status updates automatically at each stage until the transfer is complete.

How do I check the detailed status of my transfer?

Tap the transaction in your Activity, then tap More to expand the full status timeline — you'll see every stage in real time.

What stages does a transfer go through?

Once initiated, a transfer moves through the following stages: Payment Scheduled → Funds Deducted from Wallet → Transfer Confirmed → Sent to Recipient's Account.

What does it mean if my transfer failed?

The status timeline will show exactly at which stage the transfer failed. Check the reason shown and retry with the correct details, or contact Wirex One support if the issue is unclear.

What does it mean if my transfer was rejected?

A rejection can occur at any stage — on Wirex One's side or the recipient's bank. The timeline will indicate where the rejection happened, making it easier to understand next steps.

Will I be notified when my transfer is complete?

Your Activity updates automatically once the transfer reaches its final status. Tap the transaction at any time to see the latest stage.

My transfer hasn't arrived — what do I do?

See My Transfer Hasn't Arrived for a full walkthrough.

Why was my ACH transfer rejected?

Common reasons: incorrect account or routing number, closed account, or a bank-level reject. See Why Was My Transfer Rejected? for details.

Still have questions?

Our support team is here to help

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