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Bank Transfers

Get an account in minutes and start receiving & sending USD & Euro transfers from any bank. Incoming transfers will automatically be deposited as USDC into your self-custodial Fluidkey account in a privacy-preserving manner.

This feature is powered by Noah and is available to both individual users and organizations.

Key Information

Free monthly limits:

Beyond your free monthly limit, a flat 0.3% fee will apply to bank transfers. Note that the limit is cumulative across all onramp and offramp transfers.

Deposits and withdrawals are available via four methods:

  • ACH (US domestic, USD)
  • SEPA (Europe, EUR)
  • Fedwire (US domestic wire, USD)
  • SWIFT (international wire, USD)

Minimum per transfer: $1 for ACH and SEPA. Fedwire and SWIFT transfers incur a flat $25 fee per transaction. Fees may change over time; actual charges are shown in the Fluidkey interface.

Account Creation

To create an account, click the Bank button in your dashboard. You will be guided through the KYC process, which typically takes less than 5 minutes to complete.

Once you have submitted all required information, your application will be reviewed. This usually takes minutes but may take longer if some of the provided data needs to be double-checked.

As soon as you are able to see bank details in the Bank section, you are ready to receive payments.

Receiving Transfers

You can receive USD and Euros by sending transfers to the account details shown in the Bank tab. The minimum transfer amount is $1/€1 for ACH and SEPA.

Transfers are typically credited to your account within the same day. ACH transfers may take 1–3 business days, and SWIFT transfers 1–5 business days, depending on the sending and correspondent banks.

You can switch the chain for deposit transfers by clicking the Edit button at the bottom of the table in the Bank tab.

Verifying Your Account with Microdeposits

Some banks and fintech apps require you to verify ownership of your Fluidkey bank account before sending larger transfers. They do this by sending one or more small test deposits (under $1) to your account details. These microdeposits are not shown in the app; instead, you will receive an email with the deposit amounts at the address used to apply for the bank feature. Once your bank confirms the deposits, you can send transfers as usual.

Third-Party Transfers

Transfers from third parties are accepted within the following limits:

USD accounts
  • Registered businesses sending from a domestic US business account
  • A family member's bank account, if you share a surname
  • Other individuals, up to $5,000 per transfer (US residents can only receive third-party transfers from registered businesses)
EUR accounts
  • Registered businesses sending from a domestic business account
  • A close friend or family member's bank account

Sending Transfers

Outgoing transfers are currently available from any token on Base. We recommend using USDC to get the best exchange rate.

To get started, open the Send box with the ↗ button next to the token you want to send. In the to field, press the bank icon to add a bank recipient to your contacts. You can then select the recipient in the dropdown of the to field to proceed with the transfer.