Use ACH or Fedwire to deposit USD and receive USDC in your Vault, or to send USD to an eligible US bank account. ACH, Fedwire and SWIFT use different payment instructions.

UI names in this guide refer to the English web interface. These instructions cover the web flow. Use only a method shown for your account in Cash. Availability depends on your region, account type, verification and the selected banking route. Complete the terms or verification requested before transferring. Use the exact currency, bank details and any reference shown for that method; bank details for one rail are not interchangeable with another.

Have the recipient’s full legal name, individual/business account type, bank name, checking/savings selection, matching routing number and account number, and the address details requested by the form. Use the routing number for the selected ACH or wire method.

Review the fee shown in Cash before you confirm; this is the fee that applies to your transfer. The deposit fee does not describe the cost of an outgoing payment. Fees and conversion can depend on the banking route and source asset. Your sending bank or intermediary banks may charge their own fees.

ACH deposits: 1–2 business days (please allow up to 3–4 business days for provider and bank processing). Fedwire deposits: typically same day (please allow up to 2 business days). For outgoing payments, review the timing shown for your selected method before confirmation. Cutoffs, bank processing and any required review can affect delivery.

Illustrative funding-fee calculation: if your ACH deposit disclosure is $0.50 + 0.10%, a $1,000 deposit has a $1.50 fee ($0.50 + $1.00), excluding any bank charges. If the selected route instead shows $0.50 + 0.20%, the same calculation gives $2.50. This is not a live quote; use your own displayed fee.

For funding transfers, use a bank account in your own name and follow the ownership instructions shown in Cash. Do not assume that third-party rules are the same across rails. If someone else will fund your account, confirm the rules for the selected method with ether.fi Support before they transfer. Additional information may be requested regardless of the amount; there is no guaranteed automatic-approval threshold. For outgoing payments, recipient eligibility depends on the selected method and account checks; this is not blanket permission to pay any third party. Select This is my own account only when the receiving bank account belongs to you.

There is no universal ether.fi minimum for bank-transfer deposits. Individual methods may have a minimum, maximum or provider/compliance limit. Follow the amount and limits shown in Cash; availability of a currency does not guarantee every recipient or amount is eligible.

Open Transaction History and select the transfer. If it shows Action Required, select Provide details, answer the questions, upload the requested documents and submit your response. If a response deadline is shown, submit before it expires. A response does not guarantee approval or immediate completion. If no action is required and the applicable processing timeframe has passed, contact ether.fi Support with the transfer reference or receipt, amount and currency, date/time and a screenshot of the status.

Do not assume a submitted transfer can be cancelled. If you sent to incorrect details, or a transfer failed or was returned, contact ether.fi Support with the payment reference. Support can help check its status and available next steps. Do not resend while the original transfer is being checked.