> ## Documentation Index
> Fetch the complete documentation index at: https://help.trykarat.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Sending and receiving money in mobile app

> Add money to your Karat account or send transfers to others using the Karat app.

The **Transfers** tab lets you add money to your Karat checking account and send money to others.

## Add money

To deposit funds into your Karat account from a linked bank:

<Steps>
  <Step title="Open the Transfers tab">
    Tap **Transfers** in the bottom navigation.
  </Step>

  <Step title="Tap Add money">
    Select **Add money** to open the deposit flow.
  </Step>

  <Step title="Select a destination account">
    If you have more than one Karat checking account, choose which one should receive the funds. This step is skipped if you only have one account.
  </Step>

  <Step title="Select a bank account">
    Choose from your linked bank accounts. If you haven't connected a bank yet, tap **Add new account** to link one through Plaid.
  </Step>

  <Step title="Enter amount and confirm">
    Enter the amount you'd like to transfer, review the details, and confirm.
  </Step>
</Steps>

You can also view each account's details (account number and routing number) from its detail screen to set up deposits from other banks manually. See [Managing multiple accounts in the mobile app](/mobile-app/managing-multiple-accounts-in-mobile-app) for more.

## Send money

The app supports three ways to send money:

<AccordionGroup>
  <Accordion title="Karat transfer">
    Send money instantly to another Karat member at no cost. Search for the recipient by their phone number or email. You can also choose from your recent recipients.
  </Accordion>

  <Accordion title="ACH payment">
    Send an ACH payment to any U.S. bank account. ACH transfers typically take 3–5 business days. Search for an existing recipient or add a new one with their name, routing number, and account number.
  </Accordion>

  <Accordion title="Wire transfer">
    Send a domestic wire transfer that arrives within 1 business day. The same recipient setup applies as ACH. Wire transfer fees may apply depending on your subscription plan.
  </Accordion>
</AccordionGroup>

For all transfer types, you'll follow these steps:

1. Select the transfer type
2. If you have more than one checking account, choose which account to send from
3. Search for or add a recipient
4. Enter the amount
5. Review the transfer details and fee (if applicable)
6. Confirm and send

A success screen confirms when your transfer has been submitted.

## Pending transfers

The Transfers tab also shows any pending money movements, including incoming and outgoing transfers that haven't settled yet.

*<sub>Karat is a financial technology company, not a bank. Banking services provided by Grasshopper Bank, N.A., Member FDIC. The Karat Visa® Business Credit Card is issued by Cross River Bank, Member FDIC, and pursuant to a license from Visa️ USA.</sub>*