Do I need a US bank account to use ACH?

No. Transferra enables you to send and receive ACH payments without holding a US-based bank account. We provide the infrastructure to access the ACH network through our banking partners.

How much cheaper is ACH compared to SWIFT?

ACH transfers typically cost £3-5 per transaction, while international SWIFT wire transfers can cost £20-50. For regular USD payments, this can save your business hundreds or thousands annually.

How long do ACH payments take?

ACH payments typically settle within 1–2 business days. This is faster than international SWIFT transfers, which can take 3–5 business days.

Who can I send ACH payments to?

You can send ACH payments to any recipient with a US bank account. This includes US suppliers, contractors, employees, subsidiaries, or business partners.

Can I receive ACH payments as well?

Yes. Transferra provides you with US routing and account numbers, allowing you to receive ACH payments from US customers or partners as if you had a local US bank account.

What details do I need to send an ACH payment?

You'll need the recipient's US bank routing number (9 digits), account number, and account holder name. This is the same information required for any US domestic bank transfer.

Are there limits on ACH payment amounts?

ACH supports both small and large transfers. Specific limits depend on your business profile and are discussed during account setup. Most businesses have high or no practical limits.

Do ACH payments work on weekends?

ACH payments initiated on weekends or US public holidays will be processed on the next US business day. The ACH network operates Monday–Friday, excluding US bank holidays.

ACH Payments Made Easy

Send and receive USD transfers faster and at a lower cost — no US bank account required.

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Simplify Your USD Transfers with ACH

Transferra gives your business access to ACH payments — a reliable, low-fee alternative to traditional SWIFT, even if you're not based in the United States.

Why Use ACH with Transferra?

No need of US bank account

Transferra enables businesses to send and receive USD payments via ACH even if they don’t hold a US-based account.

Lower costs

ACH transfers incur significantly lower fees than traditional international wire transfers, making them ideal for regular payments.

Faster delivery

ACH payments typically settle within one to two business days, compared to up to five days via SWIFT.

How It Works

Initiate your USD payment through the Transferra platform.

The transaction is routed through the ACH network using our local banking infrastructure.

Funds are delivered as a domestic payment to the recipient’s US bank account.

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Common Use Cases

Paying US suppliers or contractors

Sending funds to US-based subsidiaries

Settling invoices in USD

Processing payroll for US-based employees

Reliable Routing

Payments are processed using domestic rails through trusted banking partners, minimising delays and intermediary fees.

All ACH payments are protected by industry-grade security protocols.

Frequently asked questions

Do I need a US bank account to use ACH?

No. Transferra enables you to send and receive ACH payments without holding a US-based bank account. We provide the infrastructure to access the ACH network through our banking partners.
How much cheaper is ACH compared to SWIFT?

ACH transfers typically cost £3-5 per transaction, while international SWIFT wire transfers can cost £20-50. For regular USD payments, this can save your business hundreds or thousands annually.
How long do ACH payments take?

ACH payments typically settle within 1-2 business days. This is faster than international SWIFT transfers, which can take 3-5 business days.
Who can I send ACH payments to?

You can send ACH payments to any recipient with a US bank account. This includes US suppliers, contractors, employees, subsidiaries, or business partners.
Can I receive ACH payments as well?

Yes. Transferra provides you with US routing and account numbers, allowing you to receive ACH payments from US customers or partners as if you had a local US bank account.
What details do I need to send an ACH payment?

You'll need the recipient's US bank routing number (9 digits), account number, and account holder name. This is the same information required for any US domestic bank transfer.
Are there limits on ACH payment amounts?

ACH supports both small and large transfers. Specific limits depend on your business profile and are discussed during account setup. Most businesses have high or no practical limits.
Do ACH payments work on weekends?

ACH payments initiated on weekends or US public holidays will be processed on the next US business day. The ACH network operates Monday-Friday, excluding US bank holidays.