ACH, SEPA, and wire transfer

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Bank transfers

Move funds to your local bank

Withdraw from Payowire to an account in your name using ACH in the United States, SEPA in Europe, or SWIFT wire for other corridors.

  • ACH $5
  • SEPA $10
  • Wire $15
  • ACH for US bank accounts
  • SEPA for euro-area payouts
  • SWIFT wires when you need a global rail
Payout rails

ACH, SEPA, and Wire / SWIFT

Flat fees shown in USD. SEPA payouts are sent in euro at the live rate. Confirm the quote in your dashboard before you send.

ACH

US Automated Clearing House transfers for everyday withdrawals to a domestic bank account in your name.

  • Typical use: US checking or savings
  • Routing and account number required
Fee $5

SEPA

Single Euro Payments Area transfers for euro accounts across participating European countries.

  • Paid out in EUR at the live rate
  • IBAN details required
Fee $10

Wire / SWIFT

Bank-to-bank wires for destinations that need an international SWIFT payout rather than ACH or SEPA.

  • SWIFT/BIC plus account details
  • Intermediary banks may charge extra
Fee $15
Before you send

What you need for a withdrawal

Verified users can withdraw to a local bank, subject to the limits on your account.

Account in your name

Payouts go to a bank account you add in Payment. The beneficiary should match your Payowire profile.

Verification and limits

Unverified accounts have a $5,000 monthly transaction limit. After KYC, higher limits apply according to your status.

Quote first

Fees are deducted from your wallet. You see the ACH, SEPA, or wire quote in the app before you confirm.

Payowire is not a bank. ACH, SEPA, and wire payouts are processed through licensed partners. Correspondent banks can apply their own fees on a wire.

Withdraw when you are ready

Open an account, add a bank in your name, and send ACH, SEPA, or wire from Payment.

Get started