US Dollar Account
Open an account in dollars (USD) once and keep it. Share its bank details with whoever pays you and every payment arrives in your Peanut balance as digital dollars, over ACH, in 1-3 business days. There is no reference number and no amount to match.
Open One
- Open the app and tap Add money
- Tap Open an account
- Choose dollars
- Copy the bank details, or share them from the app
Every verified person can open one. You get 2 accounts. If you need another, support can open it.
You get a routing number and an account number. The app shows the account holder name to give your payer. The details never change, so payroll or a client can save them once.
Who Can Pay You
You can always pay in from your own bank account, in any amount, and a registered business can pay you with no cap. Another person can pay you less than 4,000 USD per payment — and with no cap at all if they share your surname.
New York and Texas. If you live in either state, nobody else can pay into your details. Your own payments in still work, and you withdraw as normal.
Fees and Limits
Peanut charges no deposit fee. No minimum. Your own bank may set its own limits on outgoing transfers. See the pricing page for the full picture.
Payments totalling above $100,000 USD equivalent may trigger a standard compliance review.
If a Payment Does Not Arrive
If you sent it from your own bank account, the payer rule is not the cause — contact support with the transfer confirmation. If somebody else sent it, check who: a payer the currency does not allow is returned to their bank, and they can send again within the rule — see Who can pay into my account.
If the payment matched the rule and still came back, contact support with the sender's bank confirmation.
FAQ
Do I need a reference number?
No. These details have no reference. If your payer's bank asks for one, anything they type is ignored.
Does the amount have to match anything?
No. Any amount above the minimum works, as many times as you like.
Do the details change?
No. Open the account once and the details stay the same.
How fast does a payment arrive?
ACH: 1-3 business days.
Can I stop using them?
Contact support to request retirement. There is no self-service option yet. Retirement does not switch the details off at the bank: people who already have them can still send. Tell your payers before changing details.