How to withdraw US Dollars via ACH

You can withdraw your US dollar (USD) balance directly to a bank account in the US through our partnership with Noah. At the moment, withdrawals are made exclusively through the app and the only available method is ACH.

📊 Exact fees (ACH, Wire) live in a single place: Complete Picnic fee table → US Dollars (USD) section.

Before you start

• Available only in the app: the USD withdrawal flow is not available on the web version.
• Accepted method: ACH only, to bank accounts in the US. Wire and SWIFT are not supported for withdrawals.
• Destination account: you need the account holder's full details and the US account's address.

Step by step: registering a new recipient

If this is your first transfer, you need to register the destination account before sending.

1. Open the send area: On the app's home screen, tap "Send".
2. Choose the currency: Select the "Send Dollars" option.
3. Add a new recipient: If you don't have a recipient registered yet, tap "New recipient".
4. Enter the account holder's details: Holder type (Individual or Business), first and last name (or legal business name).
5. Enter the bank details: Account number, ACH routing number, and account type (checking or savings).
6. Add the bank account's address (US): ZIP code, address, city, and the holder's state/province.
7. Describe the purpose of the transfer: Briefly state the reason for the transfer (e.g. payment to a supplier, transfer between your own accounts, etc.). This field is required by the US banking network.

Step by step: making the transfer

With the recipient already registered, sending is quick.

1. Select the recipient: On the "Who do you want to send to?" screen, tap the saved contact.
2. Confirm the purpose of the transfer.
3. Enter the amount you want to send in dollars.
4. Review the fees and the final amount that will arrive in the destination account.
5. Tap "Send" to confirm the transfer.

Timing and limits

• Timing: ACH withdrawals are processed within 1 business day after the transfer is confirmed.
• Limits per transfer: minimum of US$ 10.00 and maximum of US$ 1,000,000.00.
• Fee: check the Complete Picnic fee table. The final amount also appears in the interface before you confirm.

Important tip

Carefully double-check all the recipient's details before confirming the transfer. ACH transfers to wrong accounts can take a long time to be reversed — or, in some cases, may not be recoverable, depending on the destination bank.