With your US Virtual Account you can receive ACH transfers directly into your Airtm account from any US bank — no physical US bank account required.
Requirements
- US Virtual Account activated. If you have not set it up yet, see US Virtual Account in Airtm.
- Special Features KYC completed.
How to receive funds via ACH
- Go to Settings → US Virtual Account and copy your banking details: Routing Number, account number and account holder name.
- Share those details with whoever is sending you money (employer, client, platform, etc.).
- The sender initiates the ACH transfer from their bank using your details.
- Funds will arrive in your Airtm account within 3 to 5 business days.
Important notes
- Only incoming ACH transfers are supported (not outgoing).
- Not available in all countries. Check the restrictions list in the US Virtual Account article.
- If the sender needs to send a Wire instead of ACH, the same banking details apply.
If you have questions, contact us.