Link Bank Account Without Verification [Step by Step Guide]

By Jim Marous 10 Min Read

As online transactions become more prevalent, banks and financial institutions have made it more convenient for customers to link their bank accounts to various platforms for ease of use. However, one question that arises is whether it is possible to link a bank account without verification. Although some platforms may offer the option to link a bank account without verification, it’s crucial to understand the potential risks that come with such actions. This article, thus, discusses the possibility of linking a bank account without verification, the steps involved, the limitations of sending money without verification, and the potential risks.

link bank account without verification

It is possible to link a bank account without verification process in some apps, banks, or transfer services. However, all services may allow this, and those that do may impose limitations on the amount of money that can be transferred.

In addition, some services may only permit regional transfers or have other restrictions in place, such as limitations on the types of transactions that can be performed or the currencies that can be used.

On the other hand, if you want to send money from a bank account without going through the verification process, you either need a payment card that is linked to the account or use a transfer service that has already been granted access to the account. Meanwhile, there are anonymous payment options like offshore debit cards and anonymous pre-paid cards available, but they require funding to send transfers.

Before reading further, understand that KYC (Know Your Customer) procedures are required to help prevent financial crimes.

Linking bank accounts without verification can be a challenging task, and it may not be possible with all banks or credit unions. However, there are some methods you can try. Here are a few options:

1. Disable two-way verification on the app or website

Some banks may offer the option to disable two-way verification on their app or website. Here’s how to do it:

  • First and foremost, log in to your bank’s app or website
  • After that, navigate to Settings/Security and locate Two-way Verification or 2FA
  • You can disable the two-way verification process by entering your password and following the prompts.

Note that not all banks will have this option, so if you don’t see it in your bank’s settings, try the next method.

2. Manually disable two-way verification

You can contact your bank directly to request that they disable the two-way verification process. This may require a written statement or reason for disabling it, and the process can be lengthy, depending on the bank.

Some banks may also provide the option to enable or disable two-way verification when opening an account. So, it’s worth checking if that’s the case for your bank.

Some banks or credit unions may not allow you to disable verification due to security reasons.

Problems of sending money without verification of ID

Sending money without verification or identification can have several limitations. These include:

Some countries do not permit international bank transfers without verified sources. Therefore, if you attempt to link a foreign bank account, you may not be able to proceed.

2. Transfer limits

When sending money without verification or identification, there may be limits on the amount you can transfer. Typically, these limits are set at around $500-$1000. Attempting to transfer large sums of money may result in your transfer being denied.

3. Account linking restrictions

There may be instances where you cannot link accounts if the accounts are not in your name. This can limit your ability to transfer money to someone else’s account, even if it’s for legitimate purposes.

4. Business bank restriction

Some financial institutions require businesses to complete a verification process before they can link or receive money in their bank account. This process may involve submitting business documentation and verifying the identity of the business owner.

These are the limitations associated with linking bank accounts or sending money without verification.

Nonetheless, it is possible to overcome these limitations by using a business account. This is because business accounts allow for instant fund transfers using routing and account numbers, even without verification.

Financial/banking institutions that allow linking bank accounts without verification

Below are some financial or banking institutions that allow account holders to link bank accounts without verification:

  • Cash App
  • Google pay
  • Xoom
  • Samsung Pay
  • Popmoney
  • Zelle
  • Paypal
  • Apple Pay
  • Venmo
  • Skrill

These financial institutions offer the option to send or link bank accounts without the need for verification. Some even provide the convenience of instant bank transfers without requiring a debit card.

However, it’s worth noting that they may still have certain restrictions in place to prevent fraudulent and money laundering activities.

Linking bank accounts can be safe, but take precautions to protect your personal and financial information. It’s also always a good idea to be cautious and take necessary precautions to protect your personal and financial information.

Here are some additional tips to keep in mind:

  • Only link bank accounts with reputable and trusted platforms.
  • Use a strong and unique password for each account. Avoid using the same password for multiple accounts.
  • Enable two-factor authentication (2FA) wherever possible. This adds an extra layer of security to your account and helps prevent unauthorized access.
  • Regularly monitor your bank account for any suspicious activity. If you notice any unauthorized transactions, report them to your bank immediately.
  •  Be wary of phishing scams and other fraudulent activities. Don’t click on links or download attachments from unknown sources, and always verify the authenticity of any requests for personal or financial information.

By following these tips and staying vigilant, you can help ensure that your bank account remains safe and secure.

Risks to consider when linking a bank account without verification

Linking a bank account without verification can pose several potential risks, including:

1. Identity theft

 If someone with fraudulent intentions gains access to your bank account information, they can use it to steal your identity and carry out unauthorized transactions.

2. Unauthorized access

Linking a bank account without proper verification can allow unauthorized individuals to gain access to your account, potentially leading to unauthorized transactions or other malicious activities.

3. Fraudulent activities 

Fraudsters can also use your bank account information to engage in fraudulent activities, such as money laundering or financing criminal activities.

4. Financial loss

Unauthorized transactions made by a hacker who has accessed your bank account can result in financial losses and have other negative financial repercussions for you.

5. Reputation damage

In case of any fraudulent activity on your bank account, it may damage your reputation and credibility as a customer.

Should someone use your bank account information for illegal activities, you could potentially face legal consequences, including being held accountable for any resulting damages.

Frequently Asked Questions

What are the benefits of linking bank accounts?

There are several benefits to linking bank accounts, including making bank transfers more efficient and facilitating easier management of personal finances.

You will require the account numbers, routing numbers, and verification of your ownership of both accounts. Once it has been linked, transferring funds between the two banks will become a simple process.

You can link one mobile number to multiple bank accounts. However, you cannot link multiple mobile numbers to a single bank account.


Linking your bank account without verification can be a convenient and straightforward process that can be completed manually or online. However, it’s important to exercise caution and take necessary security measures before linking 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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