Once you’ve opened an account, you’ll need to move enough money from your home country to pay for things like groceries, transportation, accommodations, and other living expenses. In this section, we’ll go over several ways to make a deposit.
You can add money to your Adro account through:
Account linking (US accounts in your name only)
Services like Zelle
You can move money from:
A non-US bank. When you move money into Adro, it will be converted from the currency of your home country (e.g. yuan, rupees, pesos, euros) into US dollars.
Another US bank. This can be through another US account in your name that you link to your Adro account. Alternatively, you can have a friend or family member with a US account send money to your Adro account through services like Zelle.
Currently outside the US? It can take several days for your home country bank to send money to your Adro account. Plan ahead by making a transfer now, so you can spend from your Adro account once you arrive in the US.
How long does it take for the money to show up in Adro?
The processing timelines are different for each bank/financial institution that is sending the money to Adro, especially when doing an international transfer. There is often a delay of a few days between when the money leaves your sending account, and when it shows in your Adro account. If you don't see the money immediately in Adro once it has been taken out of your other account, this is normal.
Adro does not have control over when the money arrives. This is dependent on the sending bank.
How did you move the money? | Money will typically show up in Adro within: |
Through ACH transfer (including services like Flutterwave, Wise, Remitly, Western Union, etc.) | 2 to 5 business days, starting the day after you initiated the transfer |
Through international wire transfer | 2 to 5 business days, starting the day after you initiated the transfer
Processing time for wire transfers can vary greatly depending on your bank, so it can take longer than 5 business days, although this is unlikely. |
From a linked US account in your name | 1 to 2 business days
If initiated prior to 2:00 PM Eastern Time, the day you initiated the transfer counts as the first business day |
Through services like Zelle (between US accounts only) | Within a few minutes
Zelle is not available for non-US banks |
Add money through ACH transfer
An ACH transfer (Automated Clearing House) is a method for moving money electronically between bank accounts. It's used in various types of transactions, such as direct deposits and bill payments.
Here’s how it works:
Instruction: The payer (sender) tells their bank to initiate an ACH transfer.
Batch processing: The bank processes the transfer, along with other payments in a batch at a scheduled time, which helps reduce the bank's operating costs.
Reliability: ACH transfers are reliable, and a simple way for you to move money.
Historically, ACH transfers were limited to US use, but cross-border ACH options are now an affordable alternative to traditional wire transfers.
From a non-US account to Adro
This is the cheapest and quickest way to move money from your home country to your Adro account.
Companies like Flutterwave, Wise, Remitly, and Western Union are some of the popular names in this space. If you’re moving a large amount (for example, $100,000 USD) you’ll want to shop for the best rates between providers. In most cases, the fees will be clearly communicated to you upfront. Transfers typically arrive in less than 24 hours, but can sometimes take up to one week.
What you'll need to send money through ACH transfer
You'll first need to create an account through your preferred international money transfer service. Then, you'll add your current bank information (from your home country) so you can add funds to the international money transfer account.
You'll choose the amount you want to send to Adro, then add the recipient's account details (that's you!)
You'll need the following information from your Adro account to receive the transfer.
ACH routing number
Account number
Account type (Checking or Savings)
You can find this information by:
Logging in to your Adro account
Navigate to Checking or Savings account
Click 'Account details'
Add money through wire transfer
If you’d rather send money through your home country bank, you can do so by using online banking, phone or visiting a branch and following their instructions. There is typically a small fee charged by the sending bank. Adro doesn't charge any fees for incoming wire transfers.
You'll need the following information from your Adro account
ACH routing number
Account number
Account type (Checking or Savings)
You can find this information by:
Logging in to your Adro account
Navigate to Checking or Savings account
Click 'Account details'
In most cases, wire transfers take a few days to arrive and will be processed using the SWIFT network. This means that several banks, known as intermediaries, may be involved in the payment, and can also charge a fee.
That can mean you don’t know in advance exactly what the costs of your transfer will be, and the amount you get in the end may be less than you expect.
Here are a few reference links on how to send money internationally (also referred to as remittance):
China: ICBC
China: Agricultural Bank of China
China: Bank of China
India: ICICI Bank | Video
India: SBI (State Bank of India)
South Korea: KB Kookmin Bank
Depending on the amount being transferred, you may also need to show government-issued photo ID, proof of residence and/or proof of the source of funds to your home country bank.
Add money through linked accounts
From a US account in your name to Adro
If you already have an existing US account at another bank, you can set up a link between your external account and Adro to make transfers between your accounts.
How to link your external bank account from Adro
Login to your Adro account
Navigate to 'Move money' then to 'Linked accounts'
Click the '+' then click 'Continue'
On the 'Enter your phone number' screen, click 'Continue as guest'
Select the bank logo or enter your bank name of the account you wish to link to Adro
Follow the instructions to login to your other bank account to finish the link
How to link your Adro account from your other US bank
You can also add Adro as a link from your other bank.
Can I link an account that belongs to someone else?
No. You can only set up links from your external accounts to Adro if the external account is in your name. Accounts that belong to your friend or family member cannot be linked through this method.
Can my friend or family member with a US account send money to my Adro account?
Yes. They will need your routing number and account number to send money through ACH transfer or wire transfer from their US bank account.
Can I link an account from a non-US bank to Adro?
No. You can only set up links from your other US bank accounts to Adro. Your other account must be from a US bank, US dollar accounts in other countries cannot be linked.
Is there a limit to how much money I can transfer through ACH or wire transfer?
You can transfer up to $100,000 USD per transaction. If you wish to deposit more than $100,000, you can make multiple transactions.
Keep in mind, outbound transfer limits can vary by country. In India, you can transfer up to $250,000 USD annually. There is no specific limit set by the Chinese government for sending money out of China. However, your bank may have its own wire transfer limits on how much you can transfer at once, daily, or monthly. If you’re sending an international wire transfer over $10,000, your bank or financial institution in China is required by law to report it directly to the relevant authorities.
We recommend asking your home country bank about any outbound transfer limits they may have.
Can I use a prepaid debit or money card to add money to my Adro account?
No, this method is not currently supported.
Can I deposit cash at an ATM to Adro?
No, this method is not currently supported.
Can I send an international money transfer directly from Adro to a non-US account?
No, this method is not currently supported.
What is the fastest way to move money to my Adro account? How long does it take for a deposit to be reflected in my account?
The fastest method is typically through ACH transfers or transferring from a linked external account.
How long it takes depends on which transfer method you choose. It can take up to five business days, but it's generally much sooner than that.
Does Adro have an IBAN (International Bank Account Number)?
In the US, banks do not use IBANs (International Bank Account Numbers). Adro does not have an IBAN.
What is Adro's SWIFT or BIC code?
SWIFT or BIC codes are used for international transfers. Adro's SWIFT or BIC code is: STLIUS42XXX
What is Adro's ABA or routing number?
An ABA number (also known as a routing number) is a nine-digit code used to identify specific US financial institutions. Adro's ABA and routing number is: 091918525
What is Adro's intermediary SWIFT code?
You will only need this if it's requested by your other bank. Adro's intermediary SWIFT code is: CHASUS33XXX