Personal Finance

Wise direct deposit guide

Gabriela Peratello

16.01.23 (updated more than 1 year ago)

Read time 2 minutes

Direct deposits are electronic payments which are sent to or from your account through the ACH (Automated Clearing House) system.

Getting a direct deposit is far more convenient than needing to handle cash and checks, and often one of the cheapest ways to send a payment.

Because of this billions of direct deposits are processed annually in the US. But can you make direct deposits with Wise?

This guide covers all you need to know about sending Wise, previously known as Wise, direct deposits, and how to receive a direct deposit to a Wise Account.

Can you make direct deposits with Wise?

Yes. You can pay for a Wise transfer with an ACH direct deposit in US dollars.

You can also use a direct deposit to add funds to your Wise Account if you hold a Balance in USD — or have someone else send you a direct deposit payment to your Wise Account, conveniently and with no Wise fee.

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Sending direct deposits with Wise

An ACH direct deposit is often one of the cheapest ways to send a payment with Wise, to any of 80+ countries, in over 50 different currencies. Here’s what you’ll need to do:

Step 1. Log into Wise online or in the Wise app

Step 2. Enter the payment details including amount and currency

Step 3. Add the recipient’s account details (more on that next)

Step 4. Select ACH payment from the dropdown list

Step 5. You’ll be directed to Plaid to securely link to your bank

Step 6. Enter your online banking details to Plaid for verification

Step 7. Fund the payment by ACH direct deposit

To make sure your payment is processed quickly and securely you’ll need to gather a few details from your recipient. Here’s what you need:

Recipient name

Recipient’s account number

Recipient’s ABA routing number

Full address of the recipient

Learn more about what direct deposits are with this handy guide

Receiving direct deposits with Wise

If you hold a Wise USD Balance in your Wise Account you can also receive direct deposits to your account easily.

There’s no Wise fee to pay for this service — and as ACH direct deposits are usually free or very cheap for the sender, this can be a great way to get paid to your Wise Account in dollars.

To receive a direct deposit to your Wise Account, you’ll need to give the sender the following information:

Your name as shown on your Wise Account

Your ACH routing number

Your Wise Account number for USD payments

Account type (checking)

The Wise US address

You can find this information easily in the Wise app by taking the following steps — there’s even an option to copy all the information with just a quick tap, so you can pass it on to the person sending you a payment:

Tap the USD option in the home page, or the Manage option on the bottom menu bar Select Account details Tap the option Inside the US or Outside the US depending on the payment you’re receiving You’ll be shown your Wise USD account information, and can copy the details to pass to the sender

Send and receive international deposits with Wise

If you need to send a payment overseas and pay with US dollars, or if you need to receive USD direct deposits, check out Wise.

Open an account with Wise online or in the Wise app, to send payments to 80+ countries and pay by USD direct deposit.

Your money is converted using the Google exchange rate, and sent to the recipient in the currency of your choice. 50% of Wise payments are instant — and 90% get there in 24 hours — for a speedy, secure and seamless service¹.

You can also open a Wise USD Balance and generate account details to get paid by direct deposit to your Wise Account. Simply give your Wise information to the person sending the payment, to have the money deposited into your Wise Account to hold, send, convert or spend any way you like.

Direct deposits (ACH) are convenient, cheap, and easy to use. With Wise you can use direct deposits to send and receive payments in USD — making this a perfect way to get your money moving around the world for less².

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The speed of transaction claim depends on funds availability, approval by Wise's proprietary verification system and systems availability of our partners' banking system, and may not be available for all transactions
Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.