There are several apps that allow you to send money using routing and account numbers. Here are some options:
-
Wise: Wise is a provider that you can choose for local and international payments. You can use your own bank or credit union’s online or mobile banking service to send a payment through the ACH network, which is usually a cheaper option compared to sending a wire. If you’re making an international transfer, bank international wire fees can be on the high side. Sending a payment with a routing and account number should be pretty simple and safe, but you’ll need to double-check that all the details you have are correct before you confirm the payment.
-
Cash App: Cash App allows you to send and receive up to $1,000 per month without ID verification. If you want to send or receive more than that, you will have to verify your identity by providing your SSN, full name, and date of birth. Additionally, Cash App may ask you to provide evidence for your source of funds to access certain features or to increase your transfer limit. You can send money with just your account and routing number, and the process of linking your bank account to the app will likely require a verification step.
-
Zelle: Zelle is a digital payment network that enables users to send and receive money using just an email address or mobile phone number. If the person you want to send money to is also a Zelle user, you can send money to them using their phone number. However, you will need to link your bank account to Zelle using your routing and account number.
-
PayPal: PayPal is a popular payment platform that allows you to send and receive money using your email address or mobile phone number. You can link your bank account to PayPal using your routing and account number, and then send money to someone elses account using their routing and account number.
Its important to note that some money transfer apps may charge a fee for instant transfers, so be sure to check the apps fees before you initiate the transfer.
