How do I link my bank account for ACH?

During checkout, you will be prompted to link your bank account via Plaid or by entering your routing and account numbers. Verification is instant with most banks.

Can I sell crypto and receive USD via ACH?

Yes. ACH supports both buying and selling. Sell payouts go to your linked US bank account within 1-3 business days.

Is ACH faster than a wire transfer?

ACH is usually cheaper but slower. Wire transfers settle same-day or next-day but cost $15-30. ACH takes 1-3 business days with minimal or no bank fees.

Are there any bank fees for ACH?

Most US banks do not charge fees for ACH transfers. The only cost is the provider processing fee shown during checkout.

Buy Crypto with ACH Transfer

Buy Bitcoin and crypto with ACH bank transfer (USA). Low fees, secure transfers from your US bank account.

What is ACH?

ACH (Automated Clearing House) is the standard electronic bank transfer system in the United States. It connects directly to your US bank account for low-cost transfers. ACH is popular for crypto purchases because fees are significantly lower than card payments.

How to Buy Crypto with ACH

Enter the amount in USD and select your cryptocurrency on Swaps.
Choose "ACH" as your payment method and select a provider.
Link your US bank account and authorize the transfer.
Payment clears in 1-3 business days, then crypto is sent to your wallet.

ACH — Pros

Very low fees compared to card payments
High limits for verified users
Direct bank connection — no intermediaries

ACH — Cons

US-only — not available outside the United States
Takes 1-3 business days to process
Requires linking your bank account

ACH Limits & Fees

Processing time	1-3 business days
Limits	$50 - $50,000 per transaction
Fees	Typically 0.5-1.5%. Among the lowest-fee options for US users.
Regions	United States
Currencies	USD

You can also sell crypto and receive funds via ACH.

ACH Transfer without KYC: route status

Swaps does not list a no-ID route for ACH today. Without ID today: Indonesia (QRIS) and the Philippines (QR Ph) through OnMeta. See the ACH Transfer no-KYC status page.

Popular Cryptocurrencies

Other Payment Methods

Why use ACH Transfer on Swaps

Swaps does not process payments itself — it routes your ACH transaction through the licensed on-ramp providers and protocol routes that return a live quote for your request, and ranks those quotes by total receive amount in your local currency. The strongest provider route for ACH depends on your country, the amount, and the coin you are buying, which is why every quote is re-evaluated in real time. The crypto goes directly to the wallet address you control.

What to expect

ACH Transfer availability varies by provider and country. Some providers settle ACH payments instantly, others may batch transfers depending on the rail. Whether identity verification is needed depends on the provider and the amount; the provider's checkout decides. Before you pay, Swaps applies a Tier-1 fiat-aware filter so ACH routes that would be rejected by every available provider in your country never appear in the comparison. A route is shown only when a provider returns a live quote for your request, and the provider's checkout confirms the final amount before funds move; if no route is shown, the rail is not currently available in your market.

Use this payment method inside the US buying flow

Payment-method guides are support pages, not the final commercial route. Use the links below when you want the exact US checkout context before opening a live quote.