Payments & Transfers

In order to top up your Arival bank account, you'll need to send a domestic or an international wire or an ACH transfer to the bank details available on your dashboard. We accept domestic and international wires, as well as ACH.

If you wish to top up your EUR account, you can do so through a SEPA transfer. As for USD, the bank details are available on your dashboard.

Proceed by following the instructions in the “Receive Money” section to make sure your payment will have all the necessary information prior to being received by our team. You'll have an additional option to generate an invoice to send this payment request to your counterparties.

1. Select “Recieve Money” on your Dashboard
2. Submit the answer for purpose for deposit and expected amount
3. Upload a supporting document (or multiple if needed) and continue. Examples of supporting documents can include:
   • Invoices
   • Signed agreements
   • Any other type of document that confirms the purpose of the incoming payment.
   • After clicking Continue you'll be directed to the wire details for your Arival account. In the last window of your wire details click Done to submit your information
4. You can see your transaction details after completing the “Receive Money” flow in your “Payment/ Incoming” section.

Note:

We can only accept the following file types under 10 MB: DOC, DOCX, XLS, XLSX, and PDF. Examples of supporting documents are listed in the hint at the bottom!

The reason there are a few different bank details showing is because your money moves through multiple financial institutions on its journey to the end destination.

• Arival uses a correspondent banking partner to send and receive transactions.
• In the case of international transfers, we also have an intermediary bank. Banks use intermediary banks as their agent abroad to complete payments that either start or end in other countries.

When sending funds to Arival, your originating institution needs these additional details to route the funds properly.

You can make deposits into your Arival account using multiple payment methods depending on the type of account you have with us.

Please refer to your wire details in your dashboard for additional information.

Banks let you add a message or reference to the receiver when initiating a transaction. Usually this is in the form of a field called “Message to receiver”, “Reference”, "Originator to Beneficiary Information (OBI)", "Memo" or something similar.

The reference note is needed to ensure the transfer is credited to the correct account within Arival. Keep in mind, the reference note differs depending on if you're sending a domestic or international wire:

If it is not included, it's possible it will get bounced back to the originating institution.

If a supporting document was requested, it’s possible the timelines below may be extended based on the timeliness of your response.

• Domestic wire: 1-3 business day
• International wires: 2-5 business days
• ACH: 1-2 business days
• SEPA: 1-2 days
• Internal: same business day

We hold the funds for 3 business days prior to sending them back.

Outgoing transfers:

• USD Domestic Wires: 2:45 pm ET
• USD International Wires: 1:00 pm ET
• ACH: 2:45 pm ET
• EUR SEPA: 12:00 pm GMT
• Internal: 2:45 pm ET

Incoming Transfers:

• Domestic USD Wire: 3:00 pm ET
• International USD Wire: 2:45 pm ET

Note: Business days do not include weekends or US bank holidays.

There are a number of reasons a transfer can be delayed, rejected, or returned. Miskeyed banking details, insufficient funds, delays caused by banking holidays, outdated account information, and more. If you find yourself in a position where funds aren’t where you expect them to be, please check out the following instructions:

For outgoing wires that haven’t posted:

• We can provide you the IMAD for you to use to inquire with your receiving bank

For missing incoming wires:

• There's less that we can do or control when it comes to missing incoming wires since we’re on the receiving end. Please allow up to 3 business days for the credit to post.

Note: If there is a transfer you are expecting that hasn't shown up at Arival within that time period, please reach out to the Sender to contact originator bank regarding the wire status.

As of now, the USD account is able to receive USD exclusively while the Euro SEPA account is able to receive Euro exclusively. The ability to perform transfers between the USD and EUR is currently in the works, along with FX to allow transfers into Arival in any currency. We’ll keep you posted.

The USD account and Euro SEPA account are able to receive their respective currencies exclusively. This means that transfers into Arival from a crypto exchange or wallet would need to be converted prior to being sent to Arival.

We currently do not specialize in checks.

Yes , you get a USD checking account.

For payment details, please go to the Document section in your dashboard, select "Generate", and then select the type of document you need by selecting "Account details".