Deposit from bank
Get onramp instructions for ACH or SWIFT, then receive USDC in Mo.
Bank
Move money between your bank and Mo.
Onramp by ACH or SWIFT, or offramp by ACH, Fedwire in the US, or SWIFT globally.
Two directions
Bank rails in and bank payouts out.
Withdraw to bank
Choose ACH, Fedwire in the US, or SWIFT globally when you off-ramp from USDC.
Deposit from bank
Verify once, then get deposit instructions.
- Complete identity verification
Identity verification unlocks bank deposit instructions in the app.
- Get deposit instructions
View the bank account details for your USD onramp.
- Send USD by ACH or SWIFT
Send USD by ACH or SWIFT to the account shown in Mo.
- Receive USDC
Deposits convert to USDC in your Mo Wallet.
Withdraw to bank
Pick the payout rail and review.
- Link a bank account
Add the bank account that should receive your payout.
- Enter amount and rail
Choose ACH, Fedwire, or SWIFT based on where the money needs to land.
- Review the estimate
See fees before you confirm. Redeem Mo Points to offset eligible bank fees.
- Submit withdrawal
Authenticate with email verification or OTP when required, then track status in the app.
Questions about bank transfers.
Verification, payment methods, timing, and what to do if a transfer is late.
How do I cash out to a bank?
Link the bank account that will receive the money, choose ACH, Fedwire, or SWIFT, and review the estimate before you submit. The fee is 1% of the amount, or 0.5% with Mo Plus. Mo Points can cover the whole fee.
Who needs identity verification?
Only people moving money to or from a bank. Getting bank deposit details or withdrawing to a bank goes through a regulated banking partner, which requires verification. Holding, sending, receiving, Earn, Trade, and Travel do not.
What is a one-time transfer?
A withdrawal where you enter the recipient's full bank details for that payment only. Nothing is saved for next time, so check the account number or IBAN twice. A mistake can delay the transfer, make it fail, or worse.
What are the limits and cut-off times?
Same Day ACH allows up to $1,000,000 per transaction and closes at 2:30 PM ET. Wires close at 4:45 PM ET. Anything submitted after the cutoff, on a weekend, or on a US bank holiday is processed the next business day. See payment cutoffs and timelines.
Which countries and uses are off limits?
Mo's banking partner does not serve certain countries or certain business activities, including gambling, cannabis, adult entertainment, and crypto ATM operations. Find the countries on the compliance page and the activities in prohibited use categories.
What if my money has not arrived?
Email support@mo.xyz, not the partner bank. Include the Trace ID for an ACH transfer or the IMAD number for a wire so we can trace it. Transfers that cross a weekend or bank holiday usually arrive the next business day.
Requirements
What to expect before you start.
Verification
Bank deposit and withdraw both require identity verification.
Onramp rails
Onramp supports ACH and SWIFT.
Offramp rails
Offramp supports ACH, Fedwire in the US, and SWIFT globally.
Platform note
Mo is a technology platform, not a bank. Banking services are provided by regulated partners.
Minimum withdraw
Bank withdrawals start at 100 USDC.