Payment Routes
Limits and cut-offs for deposits into Payment Routes (virtual accounts), by currency and customer type.
Named account means the account is issued in the customer's own name. Limits in USD apply to deposits in any currency, converted at the time of the deposit. See Limits for how limits work.
| Currency | Individual | Business | Jurisdiction | Named account | Rails and cut-offs | Minimum per deposit | Maximum per deposit | Monthly limit |
|---|---|---|---|---|---|---|---|---|
| AUD | Yes | Yes | Australia only | Yes | • NPP/Osko (instant, 24/7) • PayID (instant, 24/7) • BECS direct entry (business days, 3pm AEST cut-off for same-day) | 10 AUD | • Individual: 50,000 USD • Business: 250,000 USD | • Individual: 200,000 USD • Business: 1,000,000 USD |
| AED | Yes | Yes | Non-UAE | Yes | • IPP (instant, 24/7, under 50,000 AED) • UAEFTS (business days 04:00-20:45 UAE time, 50,000 AED and above) | 50 AED | • Individual: 50,000 USD • Business: 250,000 USD | • Individual: 200,000 USD • Business: 1,000,000 USD |
| USD | Yes | Yes | Global, excluding restricted countries | Yes | • Domestic wire (Fedwire) • ACH (processed during US banking hours) | 26 USD | • Individual: 50,000 USD • Business: 250,000 USD | • Individual: 200,000 USD • Business: 1,000,000 USD |
The monthly limit is the total of all deposits into a customer's Payment Routes in that currency during the month.
EUR and GBP pay-ins are in the works.
Deposits under the minimum may be lost.