Deposit via ACH

Add money from your bank in USD. Use the current instructions in Peanut and receive a digital-dollar balance.

Create an account

A one-off bank top-up lets you add money from your own account. Use the reference from Peanut to match the payment to your balance.

• The one-off top-up minimum is 1 USD. Follow the minimum displayed in the app.
• Use the current bank details and exact reference from Peanut. The reference matches the payment; the amount can differ, and what arrives is credited.
• Send from a bank account in your own name. To receive a client payment, use account details instead, as explained below.

Add money by ACH

1. 1

   Open a bank deposit

   In Peanut, open Deposit and choose bank transfer. Select USD and the available method.

2. 2

   Copy the instructions

   Copy the routing number, account number, beneficiary details and reference shown for this payment.

3. 3

   Send from your bank

   Enter the details in your bank app. Check the reference, amount and any bank charges, then confirm. Keep the receipt.

4. 4

   Check your balance

   Wait for bank processing and Peanut balance credit. A completed bank transfer and credited balance are separate stages.

USD reaches digital dollars without currency conversion or a Peanut deposit fee. Your bank may charge for sending.

ACH usually takes 1–3 business days. Weekends and bank holidays can extend the wait.

Bank deposits require identity verification and account checks. Access depends on verified residence; having bank details does not establish access. If the app says “not available where you live,” check the bank deposit guide.

For a client or employer payment, use the USD account guide. Reusable account details have different payer rules from a one-off top-up.

If a deposit is missing, keep the receipt and follow the deposit help guide.