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What is an ACH transfer?

An ACH transfer moves money between different bank accounts through the Automated Clearing House. ACH transfers let you send and receive money securely and conveniently—no stamps or paper checks required.

The two kinds of ACH transactions:

1. ACH debit transactions “pull” the money from your account, like for an automatic bill payment.

2. ACH credit transactions “push” money into your account, like a direct deposit of your paycheck or tax refund.

You can set up both kinds of ACH transactions by providing your Varo Bank Account number and routing number to your biller or payor.


How long do ACH transfers take?

ACH transfer exact timing depends on the financial institution. Here’s what you can expect for ACH transfers with Varo:

If you initiate an ACH transfer in the Varo app to or from an external bank account you own, it’ll take 2–4 business days.

If you initiate an ACH transfer from an external bank account to Varo, it’ll typically take 1–2 business days.

ACH transfers vs. wire transfers

ACH transfers are typically free, but they take a few business days to clear. Wire transfers usually come with a fee but are delivered within a few hours or less.

ACH transfer fee to send or receive money with Varo: $0

Average wire transfer fee to send money domestically*: $25

Here’s more on how to make ACH transfers with Varo

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