Wire Transfers

Wire Transfers


Can I send or receive a wire with Simple?

We're not able to send wires, but you can transfer funds electronically by linking an External Account. You can also use a third party payment service to wire funds.

Your Simple account can receive both domestic and international wires. Simple does not charge a fee to receive a wire. The sending bank and any intermediary banks (which some sending banks will use to process international wires) will typically charge a fee.

When will I receive my wire?

Domestic wires take 1-2 business days, depending on when the wire is sent. International wires can take several business days longer, depending on how many banks and timezones they pass through.

The wire will typically post to your account the day it's received and processed by our partner bank (wires are only received and processed on business days). Wires can post throughout the day, generally between 10 a.m. ET (7 a.m. PT) and 6 p.m. ET (3 p.m. PT).

Details to receive a wire:

Domestic Wires

Bank Name: BBVA USA
Bank Address: 15 South 20th Street, Birmingham, AL 35233
Your Simple account and routing numbersYour Simple account and routing numbersYour Simple account and routing numbers

International Wires

Bank Name: BBVA USA
Bank Address: 15 South 20th Street, Birmingham, AL 35233
SWIFT/BIC: CPASUS44
Your Simple account and routing numbersYour Simple account and routing numbersYour Simple account and routing numbers

Please note: some international banks will ask for an International Bank Account Number (IBAN). Right now, the U.S. doesn't use the IBAN system, so your Simple account does not have an IBAN associated with it. We recommend asking the sender if they can send the wire with the SWIFT number instead.

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Important! Keep your account safe from fraud

As fraud attempts are on the rise recently — especially related to unemployment funds — help us keep your account safe by following these guidelines.

Use your Simple Account only for your own personal use. Don’t share your account with others or receive funds on behalf of third parties.

Don’t share your username or password with others. Never give out your login information. Simple will never ask you to tell us your password — if any third party makes such a request, it’s an attempt at fraud.

Don’t open an account at someone else’s request. If someone else asks you to open a Simple Account — such as a real estate company, prospective employer, or someone you met online — it is likely an attempt at fraud.

Be alert for unemployment insurance fraud. You may be violating the law and the terms of your Simple Account if you receive deposits of unemployment funds on behalf of someone else. There are state and federal penalties for unemployment insurance fraud (including potential fines and incarceration). If you suspect you are a victim of unemployment fraud, contact the appropriate state fraud hotline listed here.

Don’t receive funds on behalf of a third party. Keep in mind that receiving funds on behalf of a third party violates the terms and conditions of your Simple Account; in such instances, we may restrict and/or close your account and hold the funds while we await direction from enforcement agencies.

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