Send money between crypto and fiat currencies without needing an invoice. This feature lets you on-ramp and off-ramp between different currencies and payment methods.
What is transfers?
Transfers is a standalone feature that allows you to move money between:
Fiat to Crypto (f2c)
Crypto to Fiat (c2f)
Crypto to Crypto (c2c)
Unlike invoice payments (which land directly in your destination wallet or bank account), transfers gives you flexibility to move funds between currencies and payment methods on demand.
When to use transfers
Use transfers when you need to:
Convert crypto to fiat or vice versa
Move funds between different crypto currencies
On-ramp fiat into crypto
Off-ramp crypto into fiat
Move money without creating an invoice
How to transfer funds
Go to transfers in the payments page
Select the source currency and payment method
Select the destination currency and payment method
Enter the amount you want to transfer
Confirm the transfer
Your funds will be converted and sent to your destination wallet or bank account.
Transfer options
Fiat to Crypto (f2c): Move fiat currency from your bank account into crypto. Perfect for on-ramping when you want to hold or use crypto.
Crypto to Fiat (c2f): Convert crypto into fiat currency and send to your bank account. Ideal for off-ramping when you need traditional currency.
Crypto to Crypto (c2c): Exchange between different cryptocurrencies. Move between stablecoins or other crypto assets as needed.
Transfer fees vary based on:
Source and destination currencies
Transfer amount
Payment method
Network fees (for crypto transfers)
Transfer timeframes
Transfer speed depends on the currencies involved:
Crypto to crypto: Usually within minutes (depends on blockchain network)
Crypto to fiat: 1-3 business days (depends on banking network)
Fiat to crypto: 1-3 business days for bank transfer, then crypto conversion within minutes
You can track all transfers from the Transfers page.
Transfers vs Invoice payments:
Important, transfers are different from invoice payments.
Transfers:
You manually move funds between currencies
No invoice required
You control when and how to convert
Useful for managing your own funds
Frequently asked questions
Do I need to complete verification to use Transfers?
Yes. Transfers require the same KYC/KYB verification as Flexible Payment Options.
Can I cancel a transfer?
Once confirmed, transfers cannot be cancelled. Always review the details carefully before confirming.
Are there transfer limits?
Transfer limits depend on your account verification level and the currencies involved. Contact support if you need higher limits.
Can I schedule recurring transfers?
Not at this time. Each transfer must be initiated manually.
What currencies are supported?
Transfers support all currencies available in your Flexible Payment Options setup. See Supported Currencies and Payment Methods for the full list.
Troubleshooting
Transfer is taking longer than expected?
Check the Transfer status page for updates. Crypto transfers depend on blockchain confirmation times. Fiat transfers depend on banking networks.
Transfer failed?
If a transfer fails, funds will be returned to your source account. Check your email for details about why the transfer failed.
Cannot see Transfers option?
Make sure you have completed account verification. Transfers require KYC/KYB approval.
Next Steps
Complete verification – Freelancer verification or business verification
Set up flexible payment options – Learn how to configure flexible payment methods
Supported currencies and payment methods - Learn about supported currencies and payments
Send your next invoice - Learn how to create and send invoices
Tracking payments and transfers - Learn how to payments send money
Troubleshooting payment issues - Learn how to trouble payment issues
Need Help?
If you have questions about Acctual:
Email: support@acctual.com
In app messenger chat: Click the chat icon in the right corner of your dashboard