Manage money with Financial AccountsPublic preview

With Financial Accounts, you can securely store funds, open local accounts, convert currencies, send money, manage expenses, and borrow money directly in the Stripe Dashboard.

Your financial account is on the Balances page in the Dashboard. On your balances page you have a payments balance and a financial account, which serve different purposes.

Add money to a financial account

You can store funds in a financial account in the Dashboard. You can fund your financial account balance with external funds or from your Stripe payments balance. In the US, funds in your financial account balance are eligible for FDIC insurance.

Transaction cutoff times

The following table shows the funding cutoff time per funding method.

The following table explains the expected funding arrival date based on the funding submission date. The expected arrival date differs depending on which funding method you use.

Add money from external bank account

You can send funds from an external bank account to fund your financial account. In the US, you can send funds with an ACH transfer or wire. With ACH, funds are available 1-5 business days after you initiate the transfer from your bank. With wire transfers, funds are available within the day. Additional charges apply if funding with a wire.

1. On the Balances page, click Top up.
2. Select the financial account to add money to.
3. Select Manually transfer from your bank and click Continue.
4. Use the account details to send money through ACH, RTP, a wire, or other local payment methods from your bank.

Pull funds from an external bank account US only

You can pull funds from an external bank account to fund your financial account. You initiate this transfer each time you want to add funds (it isn’t an automated, regular transaction).

You must use a verified bank account to add funds. Funds are typically available within 2-5 business days and funding is subject to the following limits:

• 50,000 USD per day
• 100,000 USD per week

Add or verify a bank account US only

To add a verified bank account:

1. On the Balances page, click Top up.
2. Select the financial account to add money to.
3. Select Linked bank account from payment method and click Add new bank account.

You have two options to add and verify your bank account:

• Instant with Financial Connections: Use your bank credentials with Financial Connections to verify and connect your bank account.
• Manually with micro-deposits: Manually enter your bank account and routing numbers. Stripe sends microdeposit amounts that appear on your online banking statement within 1-2 business days, with the ACCTVERIFY statement description. Use these amounts to verify your account in the Dashboard. This manual verification timing is separate to any settlement timing for your funding transaction.

Pull funds into your financial account balance

You can pull funds into your financial account directly from the Dashboard.

1. On the Balances page, click Top up.
2. Select the financial account to add money to.
3. Enter the amount to add.
4. Select Linked bank account.
5. Choose the bank account you want to send money from.
6. Click Continue to review your selections, then click Top up.

Transfer funds from Stripe payments balance (one time)

You can use the available funds in your Stripe payments balance to fund your financial account. You can only transfer funds that have settled, so unsettled funds won’t be eligible for transfer. Additionally, you can’t move funds back to your payments balance.

Use the Stripe Dashboard to transfer money from your payments balance into your financial account.

1. On the Balances page, click Transfer.
2. Select the payments balance to transfer from.
3. Select the financial account to transfer to.
4. Enter the amount to move.
5. Click Review to review your selections, then click Transfer.

Transfer funds from Stripe payments balance (recurring)

You can set up a recurring transfer from your Stripe payments balance to your financial account. You can set a target amount to be transferred or you can transfer all of your earnings when they settle into your payments balance.

To configure a recurring transfer from your payments balance, you must be on an automatic payout schedule.

1. On the Balances page, click the Payments balance tile.
2. Click Recurring transfers.
3. Choose the currency that you want to set up.
4. Select whether you want to transfer a target amount or all of your payments balance.
5. Click Save.

Transfer money

You can transfer money to your external bank account. There’s no fee to transfer funds to your bank accounts that are linked to your Stripe account.

1. On the Balances page, click Transfer.
2. Click Pay out to external bank account.
3. Choose the financial account to transfer from, and the bank account to transfer to.
4. Enter the amount to transfer.
5. Click Review to view the transfer details and cost breakdown, then click Transfer.

View local account details

You can share your local account details with others to receive one-off payments, such as investor funding, loans, or grants. To find your local account details:

1. On the Balances page, click your financial account.
2. Click the relevant dropdown menu in the Account details section.

In this view, you can see your routing number, account number, and name.

Manage currencies

To add different currencies to your financial account:

1. Go to Settings > Business > Bank accounts and currencies.
2. In the Manage financial account currencies section, select the currencies to add to your financial account.
3. Click Save.