Deposit via ACH
Fund your digital-dollar balance with an eligible USD bank deposit.
Use ACH to fund Peanut when this bank deposit method appears in your verified account. Send only the currency specified by the app, using the current bank details and reference. You can send any amount; your balance is credited with what arrives. Your credited balance is held in digital dollars.
Before you send
Bank deposits require identity verification and account eligibility. Access depends on your verified residence; having a bank account in a supported country is not enough. New York residents are excluded from the relevant bank onboarding. See the verification guide.
For this method, the currency is USD and the minimum is $1. If more than one currency is offered, select the intended currency first. Use a bank account that can send the selected type of transfer. Check your bank's transfer limits and any charges before proceeding.
Deposit via ACH
- 1
Open the deposit screen
Open Peanut, choose Deposit, and select ACH if it is available to your account.
- 2
Set the currency and amount
Enter at least the displayed minimum. Review any conversion quote and the expected balance credit.
- 3
Copy the current bank instructions
Use the routing number and account number, beneficiary information and reference shown for this deposit. Follow the exact sender-name instructions.
- 4
Send from your bank
Enter those details in your banking app, check them against Peanut, and authorize the transfer. Keep the bank receipt.
- 5
Check your Peanut balance
Wait for processing and balance credit. A bank's completed status alone does not prove that the deposit has been credited.
Cost and timing
The USD deposit route has no Peanut fee or currency spread. Your bank may charge its own transfer fee.
The source estimate for this route is 1–3 business days. ACH follows business days, so weekends and bank holidays affect processing. Bank checks, inaccurate details and additional review can delay the deposit. Transactions above $100,000 equivalent may require further information.
If your deposit has not appeared
Compare the currency, reference and bank details with the instructions from Peanut. Keep the sender's name, bank receipt, date and transfer reference. Check the deposit troubleshooting guide or contact support with this evidence. Avoid sending again solely to resolve an unclear status.
FAQ
What currency should I send?
Use USD as offered in Peanut for this route. Do not send another currency to the same details without checking the app's instructions.
How much does the deposit cost?
The USD deposit route has no Peanut fee or currency spread. Your bank may charge its own transfer fee.
How long does it take?
The estimate is 1–3 business days. Processing and checks can take longer; confirm arrival in your Peanut balance.
Can someone else fund this deposit?
Not on the details for a one-off deposit: send those from a bank account in your own name. To be paid by an employer, a client or another person, open a USD account in Peanut (Accounts → Open new account). A business can pay it any amount. Another person can pay under $4,000 per payment. If you live in Texas, only your own account can pay in.