US Virtual Account

Airtm's US Virtual Account is a new feature that allows our users to virtually obtain a US bank address to receive payments from individuals and companies through the ACH & Wire network directly to their Airtm account.

Whether you are a contractor receiving payments from a US company, a digital entrepreneur selling products through marketplaces, or a freelancer working on remote job platforms, or simply someone who needs to receive funds from the US. Now with Airtm’s US Virtual Account, forget about the need for digital wallets or traditional bank accounts in the US. Airtm offers you a platform to receive local payments in the US and transfer funds at the real exchange rate of the economy using our P2P network. There’s no need to transfer it from an account under your name!

• Reduce fees for the entire process of receiving and sending funds.
• Simplify your operations by centralizing everything in one place.
• Increase your capacity to offer your products and services to more clients.
• Integrate your payments in the USA with over 400 offramp methods.

Airtm's USA Virtual Account is available in most countries where Airtm provides services, giving users the ability to access a U.S. bank account to facilitate their international transactions. This functionality allows for efficient and secure transfers, catering to the needs of a wide variety of global users. However, there are some countries where this functionality is NOT available due to local restrictions and regulations. The main countries where Airtm's USA Virtual Account is not operational include:

Afghanistan (AFG), Algeria (DZA), Bangladesh (BGD), Bhutan (BTN), Burundi (BDI), China (CHN), Cuba (CUB), Democratic Republic of the Congo (COD), Gaza Strip (PSE), Guinea-Bissau (GNB), Haiti (HTI), Iran, Islamic Republic of (IRN), Iraq (IRQ), Kenya (KEN), Kosovo (XKX), Lebanon (LBN), Libya (LBY), Mali (MLI), Morocco (MAR), Mozambique (MOZ), Myanmar (MMR), Nepal (NPL), Nicaragua (NIC), Niger (NER), North Korea (PRK), North Macedonia (MKD), Pakistan (PAK), Qatar (QAT), Russian Federation (RUS), Slovenia (SVN), Somalia (SOM), South Sudan (SSD), Sudan (SDN), Syria (SYR), Venezuela (Bolivarian Republic of) (VEN), West Bank (Palestinian Territory, Occupied) (PSE), Yemen (YEM), Zimbabwe (ZWE).

Venezuelans living abroad will be able to access the virtual account, provided they have a valid foreign identification.

It's very simple:

1. Log in to your Airtm account from your computer and click on the “US Virtual Account” menu.
2. Accept the terms and conditions.
3. Complete the sign-up and verify your identity with our provider, who may ask you some additional questions.
4. Prepare to start receiving funds.

ACH

• Minimum amount: $5 USD
• Maximum amount: $100,000 USD
• Exchange rate: $1 USD = $1 USDC

WIRE

• Minimum amount: $1,500 USD
• Maximum amount: $100,000 USD
• Exchange rate: $1 USD = $1 USDC

The US Virtual Account at Airtm enables you to receive local payments in the United States through wire and ACH transfers, whether from your own bank accounts or from third-party accounts, such as those belonging to companies and individuals. For instance, you can transfer funds from your PayPal account to your US virtual account. Additionally, you can use your US virtual account address on platforms that make payments to US bank accounts via the ACH network, simplifying the process of receiving funds from various sources.

We have no maintenance fees or setup fees

Normally, bank transfers to your US Virtual Account will be reflected in your Airtm account within 3 to 5 business days. If, after this time, you still do not see the funds in your Airtm account, please reach out through our contact form.