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:

You can move money from:

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.

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:

Historically, ACH transfers were limited to US use, but cross-border ACH options are now an affordable alternative to traditional wire transfers.

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.

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.

You can find this information by:

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

You can find this information by:

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):

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.

You can also receive money to Adro from another US account in your name.

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 faster. There is no charge to do this.

You can add Adro and set up a link from your other bank. Alternatively, you can add your other bank account from your Adro account by following the steps below.

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.

Yes. They will need your routing number and account number to send money through ACH transfer or wire transfer from their US bank account.

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.

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.

No, this method is not currently supported.

No, this method is not currently supported.

No, this method is not currently supported.

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.

In the US, banks do not use IBANs (International Bank Account Numbers). Adro does not have an IBAN.

SWIFT or BIC codes are used for international transfers. Adro's SWIFT or BIC code is: STLIUS42XXX

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

You will only need this if it's requested by your other bank. Adro's intermediary SWIFT code is: CHASUS33XXX