How to send money to a Payd USD or EUR account

Paying someone who has a Payd account? Ask them for their account details, then pay like you would any bank account. You don't need a Payd account to do it.

Create an account About USD and EUR accounts

What you need from the person you are paying

Their USD or EUR account details from the Payd app.
The payment type their account takes: ACH, wire or FedNow for USD, SEPA for EUR.

Pay in three steps

How long it takes depends on the method you pick.

Pay a USD account

1
Get the account details from the person you are paying.
2
In your bank, add them as a new recipient and pick ACH, wire or FedNow.
3
Send the payment and keep the confirmation.

ACH transfer: Within 48 hours, depending on bank cut-off times
Bank wire: Within 48 hours, depending on bank cut-off times
FedNow: Instant, within minutes

Pay a EUR account

1
Get the account details from the person you are paying.
2
In your bank, add them as a new recipient and pick SEPA.
3
Send the payment and keep the confirmation.

SEPA Instant: Instant, within minutes
Regular SEPA: Follows your bank's usual SEPA timing

Country rules for USD and EUR accounts

These rules depend on where the account holder lives, not their nationality. They don't affect who can send a payment.

Not available

Cuba (CUB)
Iran (IRN)
Myanmar (MMR)
North Korea (PRK)
Syria (SYR)

Extra check needed

Our compliance team reviews each request and replies within 24 hours.

In Kenya, EUR accounts open straight away and USD accounts may need this check.

Afghanistan (AFG)
Algeria (DZA)
Bangladesh (BGD)
Bhutan (BTN)
Burundi (BDI)
China (CHN)
DR Congo (COD)
Gaza Strip (PSE)
Guinea-Bissau (GNB)
Haiti (HTI)
Iraq (IRQ)
Kosovo (XKX)
Lebanon (LBN)
Libya (LBY)
Mali (MLI)
Morocco (MAR)
Mozambique (MOZ)
Nepal (NPL)
Nicaragua (NIC)
Niger (NER)
North Macedonia (MKD)
Pakistan (PAK)
Qatar (QAT)
Russian Federation (RUS)
Slovenia (SVN)
Somalia (SOM)
South Sudan (SSD)
Sudan (SDN)
Venezuela (VEN)
West Bank (PSE)
Yemen (YEM)
Zimbabwe (ZWE)

Questions

How long until the money arrives?

ACH and wire payments settle within 48 hours, depending on bank cut-off times. FedNow and SEPA Instant settle within minutes.

Do I need a Payd account to pay someone?

No. You pay from your own bank, the same way you would pay any US or European bank account.

Who can open a USD or EUR account?

Anyone with a verified Payd account, except people who live in the countries listed above as not available. In the countries that need an extra check, our compliance team reviews each request.

Still stuck? Contact support.

Get your own USD and EUR details

Open a free Payd account and ask clients to pay you the same way.

Create an account How it works