US (ACH, Wire & RTP/FedNow)

Step-by-step guide to adding a US bank beneficiary on Devdraft, so you can send payouts via ACH, Domestic Wire, or RTP/FedNow.

Watch: How to Add an ACH, Wire, or FedNow Beneficiary on Devdraft | US Payment Rails

What You Need Before You Start

Have the following ready before you begin:

Info	Notes
Owner type	Whether the beneficiary is an Individual or a Business
Beneficiary name	Name exactly as it appears on the bank account
Bank name	e.g. Bank of America
Account number	The recipient’s US bank account number
Routing number	The recipient’s US bank routing number
Billing address	Street address, city, postal code, and state on file with the bank
Payment rail	Which of ACH, Domestic Wire, or RTP/FedNow you intend to use

Field	Required	Notes
Account Number	Yes	The recipient’s US bank account number
Routing Number	Yes	The recipient’s US bank routing number (9 digits)
Street Line 1	Yes	Billing street address
Street Line 2	Optional	Apartment, suite, or unit number
City	Yes	Billing city
Postal Code	Yes	Billing ZIP/postal code
State	Yes	Select from the state/province picker

Steps

1. Start Adding a Recipient

   From the Recipients tab, tap the + icon in the top-left corner.

2. Choose the Recipient Type

   The Add Recipient popup opens with four destination types:

   Option	Description
   International bank	ACH, Wire, SEPA, PIX, SPEI and more
   Stablecoin wallet	Send to a wallet address
   Zambia bank	Bank account in Zambia
   Zambia mobile money	Airtel or MTN in Zambia

   Select International bank.

3. Choose the Country / Account Type

   A second Add Recipient screen lists the supported account types:

   • US Account, ACH & Wire, routing + account number
   • European (IBAN), SEPA, IBAN + BIC
   • Mexican (CLABE), 18-digit CLABE account number
   • Brazilian Account, PIX, PIX Safe & TED
   • Argentine Account, Transfers 3.0 (CVU, CBU or alias)
   • Colombian Account, ACH Colombia bank transfer
   • International SWIFT, Cross-border wire via SWIFT/BIC

   Select US Account.

4. Choose the Payment Rail

   Select which US payment rail this beneficiary will be paid through:

   Rail	Speed	Fee	Notes
   ACH	Next business day	1.5%	Standard, lowest-cost option
   Domestic Wire	Same business day	$20 + 1.5%	Faster, higher fixed fee
   RTP / FedNow	Receive same day	$5 + 1.5%	Sends on weekends and holidays too

   The payment rail determines how quickly the recipient gets paid and what fee applies, choose based on the recipient’s urgency, not just cost. RTP/FedNow is the only rail of the three that sends on weekends and holidays.

5. Owner Details (1/2)

   The Owner screen collects who the beneficiary is. Start by selecting Account Owner Type: Individual or Business. The fields below change depending on your selection.

   Individual

   Field	Required	Notes
   Account Owner Type	Yes	Select Individual
   Display name	Optional	Only visible to you: e.g. “Wise EUR account”
   Beneficiary name	Yes	Name exactly as it appears on the bank account
   Bank Name	Yes	e.g. Bank of America
   Account Category	Yes	e.g. Savings or Checking
   Recipient Relationship	Yes	Your relationship to this recipient (e.g. Employee)

   Business

   Field	Required	Notes
   Account Owner Type	Yes	Select Business
   Business Name	Yes	The registered business name
   Beneficiary name	Yes	Name exactly as it appears on the bank account
   Bank Name	Yes	e.g. Bank of America
   Account Category	Yes	e.g. Savings or Checking
   Recipient Relationship	Yes	Your relationship to this recipient (e.g. Employee)
   Business Industry	Yes	The recipient business’s industry

   A profile picture placeholder and “Add a name first” prompt appear until you enter a Business Name or Beneficiary name, the Continue button stays inactive until the required fields on this screen are filled in.

   Once all required fields are filled in, tap Continue to proceed to Bank Details.

6. Bank Details (2/2)

   The final screen collects the recipient’s actual bank account and billing address:

   Field	Required	Notes
   Account Number	Yes	The recipient’s US bank account number
   Routing Number	Yes	The recipient’s US bank routing number (9 digits)
   Street Line 1	Yes	Billing street address
   Street Line 2	Optional	Apartment, suite, or unit number
   City	Yes	Billing city
   Postal Code	Yes	Billing ZIP/postal code
   State	Yes	Select from the state/province picker

   Double-check the account and routing numbers before submitting, an incorrect number is the most common reason a payout fails or is misdirected.

   Once every field is complete, tap Add Bank Beneficiary to save the recipient.

What Happens Next

Once saved, the beneficiary appears on the Recipients screen with a Bank label under their name, and is ready to receive a payout on the payment rail you selected in Step 4.

If you need to send this recipient a payout on a different rail later (e.g. you added them for ACH but now need RTP/FedNow), you’ll need to check whether the app lets you edit the existing beneficiary’s rail or requires adding them again with the new rail selected.