How to Do Instant Transfer with Routing and Account Number Without Verification [2023]

By Jim Marous 27 Min Read

We live in a fast-paced world, where everyone wants a quick and easy financial transaction that doesn’t take up much time. Unfortunately, many traditional methods of money transfer are still slow, leaving people waiting for days to be able to have access to money transferred to them. This has left many users looking for instant transfer with routing and account number without verification. 

This post will guide you through your options that allow for instant transfer with routing and account number without verification. Furthermore, we will explore the importance of routing and account numbers, and compare popular platforms that allow you to send instant transfer with just a routing and account number, and doesn’t bother you for verification. Then, also show you a step-by-step guide for making instant transfer without verification. 

One popular option for instant transfers without verification is digital banking platforms like Cash App or PayPal. So if you have a bank account connected to these digital platforms, you can easily make instant transfers using your routing and account number. 

Can I make an instant transfer with routing and account number without verification?

You can make an instant transfer with routing and account number without verification on several digital banking platforms like Veem. Veem allows you to instantly deposit money into their associated bank accounts without the need for verification.

However, while other platforms offer convenience, some of them come with many potential security risks and challenges. So, it is important to research the platform’s security features, fees, or any other limitations it might have, before embarking to initiate a transfer with the platform. 

How to make an instant transfer with routing and account number without verification

instant transfer with routing and account number without verification

To reduce fraud and financial risks, financial institutions use security measures and verifications at the “transfer money” level to eliminate fraud and reduce the impact of fraudulent activities on the financial accounts of their customers. 

The extra layer of security employed by banks and credit unions is the Two-Factor Authentication (2-FA) that helps stops a transfer, when someone gains unauthorized access to a customer’s account. 

For most banks, you will be asked to verify your transaction by providing an OTP sent to your phone number or email, to prove that you are the legal owner of the account. For other banks, you just have to input a PIN code. 

But to make an instant transfer with routing and account number without verification, this is how to get started.

1. Choose a suitable Digital Bank platform

Most digital banks don’t need extra verification before you send money, as you can easily turn off that feature (at your own risk).

Choose the best platform that allows you instant transfers without verification. Make sure to check their security features, limitations, fees, and any other concerns. That way, you will have no issue shopping on websites that allow routing and account number.

2. Create an account or log in

Proceed to sign up for a new account on the platform or log in if you already have one. When choosing a password, be sure to use a strong, unique password and enable two-factor authentication if available.

3. Locate the “Send Money” or “Transfer Funds” feature

Depending on the platform you have selected and registered with, once you log in, navigate to the section that allows you to send money or transfer funds, usually labeled “Send Money,” “Transfer Funds,” or something similar.

4. Enter the recipient’s routing and account numbers

Input the recipient’s routing number (a nine-digit number that identifies their bank or credit union) and account number (a unique number assigned to their bank account). Double-check the numbers to avoid errors.

5. Enter the transfer amount

Input the amount you wish to send. Keep in mind that any transaction limits imposed by the platform or fees that may apply and would hinder the total amount you intend sending. 

6. Add Reference (optional)

If the platform allows references to signify the reason for the transfer, then you can add them. It isn’t compulsory, but important to help the receiver understand why the transaction was made in the first place.

7. Review and confirm your transaction

Double-check all the details, including the recipient’s routing and account numbers, transfer amount, and any fees. If everything is correct, confirm the transaction.

You can make payments for your hotel reservations instantly, as long as the hotel provides it as a payment option.

8. Monitor your transaction history

Keep an eye on your transaction history to ensure the transfer was successful. The platform may also send you a confirmation email or notification.

Bear in mind that these are general steps highlighted here, and depending on the platform you use for your instant transfer, the process may vary slightly. You must always refer to your chosen platform’s specific guidelines for money transfer.

But in this post, we will highlight some of the best platforms for instant money transfer with routing and account number without Verification. 

Best platforms for instant money transfer with routing and account number without Verification.

These are some of the best platforms, and they are tested and tried as the best. They also have excellent security layers for your transfer protection. 

1. Cash App

Cash App is another popular platform for instant transfer with routing and account number without verification that is so easy to use. Your funds are also semi-untraceable.

Before you can add money to Cash App, you have to make an account and link it to your bank.

When you’re ready to send money, do the following:

  • Click the $ sign on the main screen. 
  • Type in how much money you want to send.
  • Tap or click “Pay.” This will take you to a search bar where you can look for the receiver’s $Cashtag, email address, or phone number. You can add a note to the payment if you want to, 
  • Press “Pay” to send it right away.

Keep in mind, though, that Cash App will ask you to verify your PIN before making payments. You won’t have to provide an OTP every time, though.

Pros of Cash App

  • Easy to use.
  • Low fees.

Cons of Cash App

Not widely used across the world, making it hard to be used by people outside the United States.

2. Wise [Formerly Transferwise]

Wise has developed a super-fast way to send money, and it is quickly catching up to some of the bigger apps on the market. You can use Wise to send ACH payments within the United States or to send money abroad.

The foreign transfer system is great because you can use it to send money to yourself or other people. This is useful when you are traveling or doing business abroad. With Wise, you can manage various online accounts with different kinds of digital money in different currencies. So, you can keep money in your USD, GBP, EUR, or any other account and move it out whenever you want.

When you’d like to make a payment, here are the steps:

  • Select “send money to someone else” on the homepage.
  • Select the currency (USD, EUR, Pounds).
  • Input the necessary information like “bank account number”, “Routing number”, “address”, and others.
  • Select payment method.
  • Click send.

Your recipient will likely get their money in a few minutes depending on when the transfer was initiated and concluded. 

Pros of Wise

  • Low transaction fees for high amounts
  • Fast transaction speed, within a few minutes
  • Different payment methods

Cons of Wise

  • Might demand verification for higher amounts.
  • Requires a lot of information to send money.

3. Veem

Many people haven’t heard of Veem, which is another great payment service or money transfer app for instant transfer with routing and account number without verification.

It’s very easy to send money through Veem. All you have to do is sign up for an account, directly link to your bank account, and then you can start making instant payments through the app.

It lets people and companies make domestic and international payments without having to pay the fees that their banks would normally charge.

Veem is not only cheap, but it also works with QuickBooks Online, Xero, and NetSuite to make it easy to handle payments and invoices.

Though not so popular outside of the United States, it is still one of the best ways to make an instant move with your routing number and account number without having to prove your identity.

4. Zelle

If you and the recipient are using bank accounts in the United States, then Zelle is perfect for sending instant transfer with routing and account number without verification.

This digital payment network allows you to send money to someone else’s bank account using their email address or phone number. All you have to do is to enter their routing and account number and the amount you want to send. 

Zelle uses the Automated Clearing House (ACH) payment method to speed up money transfers between U.S. bank accounts. This means that the recipient no longer has to wait between 3 and 5 business days for the money to show up in their account.

But you should know that for instant transfers, Zelle offers instant transfer options for a fee.

Pros of Zelle instant Transfer

  • Financial security, as it is backed by some of the biggest banks in America.

Cons of Zelle

  • Geographical limitation. If the recipient isn’t in the United States, the transfer won’t be successful.

5. PayPal

PayPal is one of the most popular ways to pay for things online, and it also lets you send money to someone else’s bank account immediately by just entering their routing and account number. 

To do this, follow the steps below:

  • Link your bank account to your PayPal account.
  • Choose the “Send & Request” option. 
  • Enter the routing and account number of the person you want to send money to as well as the amount you want to send. 
  • Keep in mind that this service may come at a cost.
  • Then, click “Continue” to confirm the payment information, 
  • Hit “Send Money Now” to send the money. 

Even though this is an instant move without verification, PayPal has the right to close accounts and look into them if they think something is wrong.

Pros of Instant Transfer with PayPal

If you’re looking for a platform that allows instant transfers with routing and account number without verification, PayPal is a good option. Here are some advantages of using PayPal.

Cons of instant PayPal transfer

  • If the recipient is a first-time user, the funds will be delayed for days.
  • PayPal charges hefty fees for some transactions.
  • You will need to use your PayPal balance or a linked bank account to send money, or else, the funds will take a few days to clear. 

6. Venmo

Venmo has quickly become the most popular way to send money right away and for a good reason. It is now considered one of the best platforms for instant transfer with routing and account number without verification. 

After a few checks when you sign up, it couldn’t be easier to send instant transfers without verification.

  • Tap or click the “Pay or Request” icon in the Venmo app when you want to make a move. 
  • Then, in the search box, you will need to type in the person’s name, username, phone number, or email address. 
  • Once Venmo has confirmed the person you want to send money to,
  • Click on “Send money”. 

After the payment is made, you need to write a quick note about the payment, and then the deal is done.

You can send money directly from your Venmo amount, which you can add to by getting money from other people or by transferring money from your own bank account.

Pros of Venmo

  • Venmo has a social aspect, allowing you to connect with your friends and see their transactions.
  • Fast transaction send time.

Cons of Venmo

  • High transaction fees
  • Funds will not be clear fast if you are not using your balance or linked bank account. 

7. Western Union

Sending money with a checking account number is easy and quick with Western Union. You can send money through Western Union online, their mobile app, over the phone, or at one of their many agent locations.

Follow these steps to send money through Western Union using a checking account number:

  1. Go to the Western Union website or app on your phone and choose “Send Money.”
  2. Enter the recipient’s name, location, and the amount you wish to send.
  3. Choose “Bank Account” as your payment method and enter the checking account number and routing number of the person you’re sending money to. If you are sending the money directly from your bank account, you will need to give information about your checking account.
  4. Check the details of the transaction to make sure everything is right.
  5. Make payment for the transaction either with a debit card or bank transfer.

Western Union will send the money to the recipient’s bank account once the payment has been processed. The money should arrive in a few business days depending on how long it takes the recipient’s bank to process the transaction.

8. Mobile banking apps

Using a mobile banking app and a checking account number to send money instantly is easy and convenient. Here’s what you need to do:

  • Get your bank’s mobile banking app from the App Store or Google Play Store and then sign in. After signing in, click on “Send Money” or “Transfer” to send money.
  • Then, enter the checking account number of the person you want to send money.
  • Type in the amount you want to send.
  • Confirm the transaction details, then click the “Send” or “Transfer” button.
  • Check the confirmation message to make sure that all of the information is correct.
  • Click the “Confirm” button to finish the transaction if everything is correct.

Your recipient will get the money within a few minutes or hours, depending on how your bank and the receiving bank handle the transaction.

Note that sending money through mobile banking apps may cost extra at some banks. Check your bank’s policies before making any transactions.

Send money instantly with a checking account number no verification by disabling the two-factor authentication verification. However, almost all banks will require you to verify your identity as well as your account information before allowing you to send money. This is done to ensure that you, the owner of the account, are the one sending the money and not someone else impersonating you. And not all financial institutions will let you disable your two-factor authentication.

When you disable two-factor authentication (2FA), your bank will not inquire about the legitimacy of your transactions. You put yourself at risk of fraud if you disable Two-Factor Authentication (2FA), so it is in your best interest to enable 2FA verification as soon as your transfer is complete.

9. Square Up

Square up is another great way to instantly send money with a checking account number.

To send money, Click on the “Cash App” option in the navigation menu. Select the “Send Money” option and enter the recipient’s email address or phone number. Enter the amount you wish to send and select the “From” account, which should be your checking account.

  • Then, Enter your checking account number and routing number when prompted.
  • Make sure to double-check the information to avoid any errors.
  • Confirm the transaction details and click on the “Send” button to complete the transfer.
  1. WorldRemit

WorldRemit offers a convenient and cost-effective way to send money to over 130 countries worldwide.

To send money with a checking account number instantly using WorldRemit:

  • Download the world remit app, or log in to their site, Select the country where your recipient is located and the amount you wish to send.
  • Choose “Bank Deposit” as the delivery method. Enter your recipient’s checking account number and routing number.
  • Enter your own checking account number and routing number as the funding source.
  • Review the transfer details, including fees and exchange rates.
  • Confirm the transfer and the funds will be deposited into your recipient’s checking account instantly or within a few hours.

These mobile payment apps offer a convenient way to send and receive money instantly without the need for verification. However, it’s important to check for any transaction fees or limits associated with each app.

11. Apple Pay

With Apple Pay, you have the convenience of making digital transactions using your phone without the need to carry cash or cards. However, to use it, you need to verify your identity with your bank beforehand. This is required by FDIC law to prevent fraud. When setting up your Apple Pay account, you must link it to a bank account, and the bank will ask you to verify your identity.

If you need to return a purchase made with Apple Pay, you can do so by providing the receipt to the merchant. Once the merchant processes the refund, it will be automatically credited back to your payment card. Keep in mind that it can take 1-3 business days for transactions between Apple Pay and ACH to be completed. Additionally, there is a 1% charge for each ACH transaction carried out through Apple Pay.

12. WorldRemit ACH

This is a payment service that allows US users to make direct payments to it from their bank accounts through the ACH payments network.

Merchants cannot use ACH transfers without verification. WorldRemit conducts an identity verification upon user registration and another verification when an ACH transaction is being made.

To make a payment via ACH, select “Bank Account” as your payment method and enter your bank login details to authorize the payment. Your transfer will be processed as a one-time debit from your checking account to WorldRemit. If you need to cancel your transfer, World Remit will refund your payment once they confirm the cancellation is valid. However, it may take 2-5 working days for the refund to reflect on your account, depending on your bank.

ACH transfers may take up to 4 working days to reach WorldRemit’s account, making it a slower service compared to other payment methods. While WorldRemit does not charge any hidden or extra fees, your bank may charge you for making an ACH payment.

Does ACH transfer need verification?

Automated Clearing House (ACH) transfers are a way to move money between different banks for various purposes such as paying bills, receiving payments from work, or sending money to loved ones. The best part about ACH transfers is that they don’t require any physical cards to initiate the transaction, which makes it quite affordable to use.

However, even instant ACH transfers require verification, typically bank account verification. Some won’t bother about your ID. The verification is typically necessary as an anti-fraud measure and to minimize the number of bounced transactions. By verifying transactions, errors can be avoided, and the speed of the transaction can be increased.

Verification is especially important for instant transactions since they are cheaper to process and, as a result, are more likely to be targeted by fraudsters. Without verification, many people could lose their hard-earned money.

ACH transfers typically take about a day or two to complete. They are incredibly efficient, which is why they are so popular. However, this also means they require verification to ensure everything runs smoothly.

Read also: Google Pay works with your checking account

How long does it take to make instant ACH transfers?

The timeline for how long an ACH transfer will take depends on the recipient bank and the specific processing time of your app.

Although standard ACH transfer times can take 3 to 5 days for full processing, you can still pay for a same day service. Banks can process same or next-day ACH transfers on a per-request basis.


Are instant transfer safe?

Instant transfers are safe as long as you use trusted apps like PayPal and make sure you enter the proper information for the recipient and the amount. Use tools and banking services that you already know and trust.

Can I transfer money with just an account and routing number?

To make an ACH transfer, you only need the routing number and account number of the recipient’s account. Your bank may also ask for the name of the account holder and the name of the financial institution for confirmation reasons.


Making instant transfers with routing and account numbers without verification is not only dangerous but also unlawful. To secure their customers’ accounts and funds, banks and other financial institutions have implemented stringent policies; attempting to circumvent these policies can result in severe legal consequences. 

To prevent unauthorized access to your account and funds, you must ensure that every transfer you make is authorized and verified. Verify the legitimacy of any request for your banking information and contact your bank immediately if you suspect unauthorized activity on your account.

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Jim Marous is a Top 5 Retail Banking Influencer, Global Speaker, Podcast Host and Co-Publisher at The Financial Brand. I am a co-author here at Finance and Pay, writing on a lot of topics regarding payments, banking software, cards, and investing.
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