How to Deposit USD via ACH

Modified on Tue, 23 Jun at 3:05 PM

Fund your Wirex One USD account with an ACH transfer from any US bank account. Transfers typically arrive within 1–3 business days.

Before you start

Bank account details (account number + routing number) are not active by default — you need to activate them once before your first deposit.

Activating your ACH account details

If this is your first time using Bank Account top-up, your account number and routing number will not be visible straight away. Here's how to activate them:

In the app, tap Add → Bank Account.

Swipe to your USD account.

Tap Activate.

Your account number and routing number are provisioned and displayed after activation.

Activation happens once. On all future visits, your details are shown straight away.

Activation requires a verified account. Complete your verification in the app first — the Activate button will appear once you're verified.

Your ACH account details

In the app, tap Add → Bank Account.

Swipe to your USD account — or select it on the Home screen.

You'll see your account number, routing number (ABA), account holder name, and account type.

Tap Copy on any field, or use Share Account Details to send them to yourself.

Sending the transfer

Log in to your US bank, add Wirex One as a new payee using your account number and routing number, enter the amount in USD, and confirm. Once received, your balance updates automatically.

Save your Wirex One ACH details as a payee for faster top-ups in the future.

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: As soon as a deposit is triggered, it appears in your Activity with an amount and an amber status — so you always know something is on its way. Tap the transaction, then tap More to expand the full status timeline and see exactly where your funds are in the process.

Once the deposit is complete, the amount updates automatically and the status moves to final. If a payment is rejected at any stage, the timeline shows precisely where and why it was declined — so there's never any guesswork.

FAQ

Do I need to activate my account details before my first deposit?

Yes — ACH details are not provisioned automatically. Tap Activate on the Bank Account screen to generate your account number and routing number. This is a one-time step.

Is there a fee?

Wirex One does not charge to receive ACH transfers. Your sending bank may apply their own fee.

What limits apply?

Wirex One does not impose any transfer limits. Any limits that apply are set by the payment network and will be shown in the app before you confirm.

What is a routing number?

A 9-digit ABA code that identifies your bank within the ACH network — separate from your account number. Both are required. Your Wirex One routing number is displayed in the app under your USD account details.

Can I send from a non-US bank?

ACH is a US-only network. For international USD transfers, contact Wirex One support.

Can I receive a payment from a third party?

Yes — bank transfers can be received from third-party accounts. The sender does not need to be the account holder.

My transfer hasn't arrived after 3 business days — what now?

Track your deposit status in real time directly in your Activity — tap the transaction and select More to see the full status timeline. Confirm with your bank that the transfer was sent and obtain the payment reference. Then reach out to Wirex One support — we'll look into it straight away.

What does the amber status mean?

Amber indicates the transaction is currently being processed. Once the funds arrive, the status will update to final automatically.

How do I check the detailed status of my deposit?

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

What should I do if my payment was rejected?

Check the status timeline — it will show exactly at which stage and by which party the payment was declined. If the reason is unclear, contact Wirex One support with your transaction reference.

What are the most common reasons for a delay?

Incorrect account or routing number, transfer sent over a weekend or US holiday, or a hold applied by your bank. Full guidance in My Deposit Hasn't Arrived.

Still have questions?

Our support team is here to help

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