Moving money is a core part of running your business. Whether you’re transferring funds between accounts, sending money to another bank, or covering expenses quickly, having flexible and reliable options matters.
With Bluevine, you can move money all in one place using internal transfers, Bluevine Pay (instant transfers), ACH, wires, international payments, and automated transfer rules. This gives you more control over how and when your money moves—without needing multiple tools or accounts.
The right option depends on how quickly funds need to arrive and where they’re going. Here’s how each transfer option works, and when to use it.
What are your transfer options on Bluevine?
Bluevine offers several ways to move money, depending on where the funds are going, how fast they need to arrive, and whether the transfer is one-time or recurring.
Internal transfers
Move funds between your main account
and sub-accountsBluevine Pay
Instant transfers between Bluevine accounts and sub-accounts
Standard and same-day ACH transfers
Domestic bank-to-bank electronic transfers1
Wire transfers
Faster domestic transfers for urgent or high-value payments1
International payments
Send or receive funds across borders2
Automatic transfer rules
Schedule recurring or balance-triggered transfers
Internal transfers
If funds are staying within your Bluevine account or sub-accounts, internal transfers are typically the simplest option. If you use Bluevine sub-accounts, each sub-account has its own account number, helping you separate funds without needing to maintain multiple banking relationships.
Internal transfers between your main Bluevine account and sub-accounts are generally processed faster than external bank transfers because the funds remain within the Bluevine platform.
Internal transfers are commonly used for:
- Budget allocation
- Payroll staging
- Tax reserves
- Project-based spending
How to move money internally
- Sign in to your Bluevine dashboard and go to the Checking tab.
- Click Transfer money.
- Select the source account and destination sub-account.
- Enter the amount and confirm the transfer.
Bluevine Pay
If both accounts are within Bluevine, Bluevine Pay allows free, instant transfers between Bluevine accounts. Unlike ACH or wires, Bluevine Pay is designed specifically for instant transfers within the Bluevine ecosystem.
Bluevine Pay is commonly used for:
- Paying a vendor that also has a Bluevine account
- Coordinating cash between related entities
- Immediate internal transfers
ACH transfers
ACH transfers move money electronically between U.S. banks through the Automated Clearing House network. They’re typically the most cost-effective way to move money outside of Bluevine.
ACH is commonly used for:
- Recurring bills
- Payroll funding
- Moving money to or from another bank
to send ACH transfers: entering bank details for a one-time payment or using a connected external account for repeat transfers.
If you need to send money to a bank account that isn’t connected, you can enter the recipient’s bank details and send an ACH payment directly.
How to send a one-time ACH payment
- Sign in to your Bluevine dashboard
- Navigate to Checking tab and go to Send Payment
- Enter or select the recipient’s bank details
- Choose your transfer speed:
- Standard ACH (typically 1–3 business days)
- Same-day ACH (faster delivery, if eligible)BVSUP-00136
- Enter the amount and confirm
If you regularly move money between Bluevine and another bank, connecting that account can make repeat ACH transfers faster and easier.
How to connect an external account
- Sign in to your Bluevine dashboard
- Go to External Accounts tab
- Click Add Bank Account
- Follow the verification steps
How to send repeat ACH transfers with a connected account
- Go to Checking tab and click Transfer Money
- Select the connected accounts and enter the amount
- Set the frequency (one-time, weekly, etc.)
- Select the transfer date
Once connected, you can:
- Transfer money between accounts without re-entering details
- Fund your Bluevine account
- Schedule recurring ACH transfers
- Manage and balance cash across accounts
Wire transfers
A wire transfer business payment is typically used when timing or amount makes speed essential. Wires typically carry higher fees than ACH transfers.BVSUP-00136
What is the difference between ACH and wire transfers?
- ACH: Batch-processed, typically 1–3 business days
- Wire: Processed individually, often same-day if submitted before cutoffBVSUP-00136
Use a wire when:
- The payment is urgent
- The amount is large
- Same-day processing is required
International payments
If you work with overseas vendors or customers, Bluevine allows you to send and receive international payments from your dashboard.
International payments are commonly used for:
- Paying global suppliers
- Paying international contractors
- Receiving cross-border customer payments
Depending on the destination country and currency, funds may be received in as few as 24 hours.BVSUP-00143
Because international payments involve additional details like currency selection and SWIFT information, we cover the full process in our article on how to send and receive global funds.
Automatic transfer rules
If you regularly move money between accounts, automation can reduce manual work.
How do automatic transfer rules work?
- Schedule recurring transfers
- Trigger transfers based on balance thresholds
- Move a percentage of incoming deposits into sub-accounts
If you’ve connected an external bank account, you can also automate recurring ACH transfers between banks.
Automatic transfer rules are especially helpful for:
- Monthly tax allocations
- Payroll preparation
- Operating reserve targets
Which transfer method should you use?
Use this quick framework:
| If you need… | Use this | Because… |
|---|---|---|
| Internal budgeting | Internal transfer | Fast, stays within Bluevine |
| Instant internal transfer | Bluevine Pay | Immediate between Bluevine accounts |
| Vendor payment (not urgent) | ACHBVSUP-00136 | Cost-effective |
| Urgent large payment | WireBVSUP-00136 | Faster settlement |
| Global supplier payment | International paymentBVSUP-00143 | Cross-border capability |
| Recurring movement | Automatic transfer rules | Hands-off automation |
ACH vs wire vs Bluevine Pay—what’s the difference?
If speed matters, Bluevine Pay or a wire transfer may be the better option. If cost matters, ACH is typically preferred. Here’s a quick comparison.
| Transfer type | Speed | Best for | Cost consideration |
|---|---|---|---|
| Internal transfer | Typically same day | Moving money between Bluevine accounts, no external bank involved | Free |
| Bluevine Pay | Instant | Transfers between Bluevine accounts | Free |
| Standard ACH transfer | 1–3 business days | Vendor payments, recurring bills | Free |
| Wire transfer | Same day (before cutoff) | Urgent or high-value payments | Up to $15BVSUP-00136 |
Frequently asked questions
You can move money between accounts by using internal transfers, Bluevine Pay, ACH transfers, wire transfersBVSUP-00136, international paymentsBVSUP-00143, sub-accounts, or automatic transfer rules depending on urgency and destination.
The fastest way to transfer money to your business account is Internal transfers and Bluevine Pay. Wires may be fastest for urgent domestic transfers.BVSUP-00136
Standard ACH transfers for business accounts typically take 1 to 3 business days, depending on processing windows and cutoff times.
Yes, you can transfer money between Bluevine sub-accounts. Internal transfers allow free movement between your main account and sub-accounts.
No. Bluevine isn't compatible with instant money transfer services right now, but we're compatible with many popular financial applications. For a list of apps we're compatible with, check out our Guide to Connecting Financial Apps.
We also offer same-day ACH (up to $10) and wire transfers (up to $15). Many free standard ACH transfers are available as soon as the next business day.
The difference between ACH and wire transfers is that Standard ACH transfers are batch-processed and slower. Wires are processed individually and often settle same day.BVSUP-00136
You should use a wire transfer instead of ACH for urgent or high-value payments requiring faster settlement.BVSUP-00136
Automatic transfer rules work by triggering transfers based on schedule or balance thresholds.
Incoming funds for ACH typically take 1–3 business days. Wires may be the same day. International timing varies by country but can be delivered in as fast as 24 hours through Bluevine.BVSUP-00136
Yes, you can schedule recurring transfers by creating automatic transfer rules or recurring ACH transfers once external accounts are connected.
Transfer limits for business bank accounts vary and are displayed in your dashboard under Account Limits.
You can send money from Bluevine to other accounts by initiating an ACH or wire transfer from your dashboard after selecting the payee.
You can receive money into your Bluevine account by ACH, domestic wires, international payments,BVSUP-00143 or customer payments.
Internal transfers and Bluevine Pay are typically the fastest for transfers within Bluevine. ACH transfers usually take 1–3 business days. Domestic wire transfers may settle the same business day if submitted before cutoff times. International transfers may be available in as fast as 24 hours, but timing varies by destination country.BVSUP-00136
Internal transfers are generally processed faster than external bank transfers.
The most reliable way to transfer large amounts of money are wires. Wires are commonly used for large, time-sensitive payments. Always verify recipient details.
Yes, you can automate transfers between checking and sub-accounts. Automatic transfer rules allow recurring or triggered internal transfers.