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How do I transfer funds from my Lili account?

You can transfer funds from your Lili account in several ways, depending on who you’re paying, where the money is going, and how quickly it needs to arrive.

You can send money by:

  • Bank Transfer (ACH) for everyday U.S. bank transfers
  • Domestic Wire Transfer for faster delivery to a U.S. bank account
  • International Wire Transfer to send money abroad
  • Mail a Check if your payee prefers a paper check
  • Payment apps by linking your Lili Visa debit card to supported apps

Bank Transfer (ACH)

Use Bank Transfer (ACH) to send money from your Lili account to a U.S. bank account. This is a good option for paying a vendor, supplier, employee, or another payee.

If you’re sending money to your own external bank account and do not already have one connected, you may need to link it first using Plaid.

ACH timing and fees

  • Standard ACH: free of charge and typically arrives within 1–5 business days
  • Express ACH: 1.5% of the transaction amount, with a $0.50 minimum fee and $20 maximum fee
  • If an Express ACH request is submitted after 2:15 pm EST on a business day, it will be processed on the next business day and sent in the earliest same-day cutoff window available at the receiving bank. Even then, Express ACH is generally faster than Standard ACH.
  • ACH transfers do not process on weekends or banking holidays, and delivery timing may vary based on the receiving bank

For step-by-step instructions, see:

Domestic Wire Transfer

Use Domestic Wire Transfer when you need to send money quickly to a payee in the United States.

Domestic wire timing and fees

  • Outgoing domestic wires have a fixed $15 fee
  • Domestic wires are sent only during business hours
  • If a wire is submitted on a Saturday, it will be sent on Monday morning
  • Once confirmed during business hours, the wire is generally received by the payee’s bank within minutes
  • The receiving bank determines when the funds are made available in the payee’s account

For step-by-step instructions, see:

International Wire Transfer

Use International Wire Transfer when you need to send money to a payee outside the United States.

International wire timing and fees

  • Outgoing international wires have a fixed $25 fee
  • International wires can be sent only in U.S. dollars
  • Delivery timing may vary by destination and recipient bank
  • Receiving and intermediary financial institutions may charge additional fees

Important

  • International wire transfers are available for registered businesses, except for sole proprietors and sole prop DBAs
  • International wires are currently supported only in eligible countries
  • Additional business and recipient bank details may be required before you send your transfer

For step-by-step instructions, see:

Mail a Check

Use Mail a Check if your payee prefers to be paid by paper check. This can be a helpful option for landlords, local service providers, or vendors who do not accept ACH or wire payments.

For step-by-step instructions, see:

Payment apps

You can also send money by linking your Lili Visa debit card to supported payment apps, including Venmo, Cash App, PayPal, and Apple Pay.

For setup instructions, see:

Choose the right option

  • Use Bank Transfer (ACH) for routine U.S. bank transfers
  • Use Domestic Wire Transfer when speed matters for a U.S. payment
  • Use International Wire Transfer when sending money abroad
  • Use Mail a Check when your payee needs a paper check
  • Use a payment app when you want to pay through a connected wallet

Before you start

  • Make sure you have enough available balance in your account before starting a transfer
  • If you’re sending money to your own external bank account, you may need to link it first
  • ACH transfers are available only for U.S. bank accounts
  • Domestic and international wire transfers may be subject to review and account eligibility requirements
  • International wires may require additional business, recipient, and banking details

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Lili is a financial technology company, not a bank. Banking services are provided by Sunrise Banks, N.A., Member FDIC. The Lili Visa® Debit Card is issued by Sunrise Banks, N.A., Member FDIC, pursuant to a license from Visa U.S.A., Inc. The Card may be used everywhere Visa debit cards are accepted. 

Wire Transfer services are provided by Column Bank N.A., Member FDIC. All wires are subject to acceptance criteria and risk-based review and may be rejected at the sole discretion of Column Bank N. A. or Lili App Inc.