How To Instant Transfer with Routing and Account Number Without Verification?

Written By Shalini Kapoor
Reviewed by Daisy Martinez
Last update:
Our site offers educational and informational content only, not professional financial advice. Consulting a financial advisor about your particular circumstances is best.

“How to instant transfer with routing and account number without verification?” This pressing question lingers as many seek quicker, simpler money transfer methods. The anxiety of slow, complicated processes can be a burden. Our research dives deep into secure platforms and trusted methods, giving clarity on this matter.

This guide provides you with a straightforward solution, ensuring efficient transfers. Join us as we simplify the complex.

Can You Send Money Without Being Verified?

It depends on your bank or financial entity, the amount of money, and the payment type. For instance, traditional banks like Wells Fargo do not let you make online payments unless you have a verified account, but you can send wire transfers with just the account information of the receiver.

Similarly, some online money transfer services like PayPal let you send money up to their maximum limits (one-time $4000) without any verification process.

How Does Instant Transfer Work?

Instant transfer means the money is transferred from the sender’s account to the receiver’s account in seconds.

For example, let’s say you want to send money to your friend using PayPal. Select the “Send Money” tab, type in your friend’s bank account information—account number and routing number—and click the “Send Money” button. The money is then transferred from your PayPal balance (or credit/debit card) to your friend’s bank account within seconds.

It is different from the standard transfer as banks approve it instantaneously and not in batches like an ACH transfer. However, you may have to pay additional fees for instant transfers. Sometimes banks also put a limit on how much money can be sent using instant transfers. But overall, it’s safe and secure as long as you don’t share your sensitive bank information with anyone.

How to Instantly Transfer Money with Account and Routing Number?

So first, make sure your bank or the payment service you’re using supports instant transfer—services like Venmo, Zelle, Cash App, and Paypal offer it.

Once it’s confirmed, all you have to do is enter your friend’s account and routing number in the sender app. Enter the amount you want to send and click the “Send Money” button. And that’s it.

You might be asked the recipient’s name by some services, but usually, only the routing and account numbers are enough.

What App Can You Send Money With Routing and Account Number Without Verification?

Now let’s go through the list of popular payment services that allow you instantly transfer money with routing and account numbers without any verification process.

Note: Remember that the following services may charge additional fees and have different limits for different types of transfers.

P2P payment apps

P2P means person-to-person payment networks. These are popular mobile apps that allow individuals to send and receive money from each other quickly.

  • CashApp: Send up to $250 every 30 days without any ID verification.
  • Revoult: Send up to $955 until ID verification.
  • Venmo: Send up to $299 to someone else every week and $999 to your own bank account in 30 days.
  • Zelle: Need one-time mobile phone OTP to send up to $500 daily with account and routing number.

Global Payment Platforms

These are the big payment players that let you transfer money across the globe.

  • Paypal: Send up to $4,000 in a single payment without compulsory ID verification.
  • Transferwise/ Wise: It may or may not require ID, depending on the recipient’s location. If the amount is small and within the USA, you probably won’t have to go through verification.
  • Apple Pay/Apple Cash: $500 limit; after that, you’ll have to verify your ID.
  • Google Pay: Send up to $500 in a 7-day rolling period and a total of $5000 a lifetime without verification.
  • World Remit: Depends on the amount and the country of the receiver. Generally, you may send less than $1000 in the USA and Canada without verification.


Crypto-to-crypto transfer generally doesn’t require any ID verification. However, if you want to exchange fiat currency into crypto, you’ll have to go through KYC (Know Your Customer) process.

Some of the most popular crypto exchange platforms are:

  • Coinbase: Supports many cryptocurrencies and allows you to buy/sell crypto with your debit/credit card.
  • Kraken: A secure and regulated platform providing support for many cryptocurrencies.
  • Gemini: Another super secure platform that supports a lot of coins and offers low fees transaction fees.
  • A great platform offering various features like passive income, trading, and crypto visa card.

What Other Methods Can You Send Money With Routing and Account Numbers Without Verification?

Some traditional but “not so convenient” transfer methods also require account and routing numbers but don’t ask for any verification to send money.

Wire transfer

In a wire transfer, you send the money to a bank—any bank, not necessarily your bank—and it is transferred to another bank, which will then transfer the funds to the final recipient. This means the bank acts as a middleman, and the receiver bank doesn’t need your information.

You’ll only need:

  • Receivers account number
  • Routing number
  • Receiver’s bank name
  • Receiver’s name

However, wire transfers are more expensive than other methods and can take a few days to complete.

Direct deposit

Direct deposits are pre-approved arrangements between sender and receiver. It’s usually used by employers to pay salaries or companies to pay rent as it is faster than paper cheques and doesn’t require verification every time.

The bank only needs a reference set up for each employee/receiver. It can be an account number, invoice number, employee ID or anything. However, it’s only available to certain institutions, and you have to setup first.

Frequently Asked Questions

How can I send money without verifying my ID?

Financial apps like Cash App, Revoult, Zelle and Venmo and payment platforms like Paypal, Wise and, Google Pay, Apple Pay allow you to send a certain amount of money without verifying your ID. Or you can Wire transfer the money at a slightly higher cost and without any verification.

Can you use PayPal without verifying your ID?

You can use Paypal without verification, but there are limits to how much money you can send and receive—$4,000 in a single payment.

Can I send money on Cash App without being verified?

If you’re unverified on Cash App, you can only send up to $250 every 30- days. After that, you will have to go through the verification.

Can I use Google Pay without verifying my identity?

Google Pay is strict about verification, so you won’t be able to send more than $500 from your account in a week. And after sending $5000 in total, you will have to verify your identity.

Final Thoughts

Financial services take user verifications very seriously, but sometimes it can be a hassle for the users—especially if the amount in question is small. You want to get it over with quickly and not wait for days for your payment to clear.

Now it’s possible with the help of apps like Cash App and Venmo or payment platforms like Paypal and Apple Pay. All you need is your receiver’s routing and account number, and you’re good to go. Just keep an eye on the fees and limits of each service before sending money.

Ultimately, make sure the service you’re using is legitimate and secure—you don’t want to send your hard-earned money somewhere and never get it back.

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Shalini Kapoor is a dedicated financial writer and editor at Currently pursuing her Master's in Accounting, she possesses a unique blend of academic rigor and practical insight into personal finance. Shalini is fervent about empowering individuals with actionable financial advice, grounded in her in-depth studies and natural flair for simplifying complex topics. As an editor, she ensures every piece of content meets the highest standards of accuracy and relevance. With a passion for continuous learning, Shalini is not just sharing knowledge but also constantly expanding her own, to benefit the readers of

Content Disclaimer: Our site offers educational and informational content only, not professional financial advice. Consulting a financial advisor about your particular circumstances is best.

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