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! This account is for your personal use only

An increasing number of customers are being targeted by fraud scams. Before you apply, review these guidelines to help prevent you from being involved in fraudulent activity.

Do not open an account on behalf of someone else
If anyone asks you to open a Simple Account to receive funds, it is an attempt at fraud. Common fraud attempts include requesting that you open an account to receive a gift or bonus offer, obtain a job or job training, or help someone else receive funds (such as unemployment benefits).

Do not share your login or account information with anyone
Neither Simple nor any other legitimate institution will ever ask for your account information. If any third party requests your Simple Account login information, it is an attempt at fraud. Sharing your account information with another person or allowing someone else to use your account to receive funds is a violation of the Simple Deposit Account Agreement terms and conditions and can expose you to fraud.

Actions we may take if fraud is suspected

We take fraud and security very seriously at Simple, and take rapid action in the instance of suspected fraud attempts.

We may freeze and close accounts
We may freeze and close accounts if fraudulent activity is suspected, including the following circumstances:

We will report fraud attempts
We are responsible for reporting fraud attempts to authorities, including attempted unemployment fraud. 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.

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