Zilligo Payments LTD, Mauritius File C215482

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ACH Transfer logoCrypto to ACH

Cash out crypto to your bank by ACH.

To cash out crypto by ACH, choose ACH, enter your US routing and account number and the amount, then send the coins shown on your order page. After they confirm, we send an ACH deposit that usually reaches your bank in 1 to 2 business days. The fee is 1%, and one order can go from $1,000 up to $15,000.

Cash out to your bank How it works
Your orderRate held for 20 minutes
You send1,012.14

Zilligo fee, 1%
$10.00
Network fee
Paid by your wallet
Usually arrives
1 to 2 days
Cash out $1,000

An estimate at today's price. Your order page fixes the exact amount for 20 minutes.

Most per order
$15k
Fee on any amount
1%
Business days to your bank
1 to 2 days
You need
Account number

Why ACH

An ACH payout, from your wallet to your bank

ACH is the network US banks use for paychecks, rent and bill payments. Almost every bank and credit union in the country receives it, and it moves larger sums without trouble.

That is why it is our biggest US payout. Wallet apps cap an order at $2,500 or $5,000 with us and cost 1.5%. By ACH, one order can reach $15,000 for 1%, and the money lands in the account you already bank with, not in an app.

We ask for two numbers, your routing number and your account number, the same ones an employer uses for direct deposit. We never need your online banking login, and the money arrives as an ordinary ACH deposit.

Choosing a payout

ACH or a wallet payout?

Both turn crypto into dollars. The right pick comes down to how much you are moving and how soon you need it.

PayPal, Cash App or Venmo

  • Lower caps, $2,500 to $5,000 per order
  • A 1.5% fee
  • Money stays in an app until you move it
  • Paid within minutes of your coins confirming

ZilligoZilligo by ACH

  • Up to $15,000 in one order
  • A 1% fee
  • Straight into your bank or credit union
  • 1 to 2 business days, not minutes

Step by step

How to cash out crypto by ACH

Three steps after a free account, set up in a minute. Works with nearly every US bank and credit union.

  1. Pay out toACH Transfer logoACH Transfer
    •••• •••• 6057
    You get$5,000.00
    1

    Enter your routing and account number

    Choose the dollar amount and type both numbers from your banking app or a check. The deposit amount shows before you pay.

  2. 5,050.00 USDTTQx7...9fKpW2Rate locked 14:32
    2

    Send your coins in one payment

    Send the exact amount to your order's one-time address within 20 minutes. On a large order, a stablecoin keeps the value steady while it confirms.

  3. ACH Transfer logoYour banknow
    ACH deposit $5,000.00
    From Zilligo
    3

    Your bank receives the deposit

    Once your coins confirm, we send the ACH deposit. It usually appears within 1 to 2 business days.

What to have ready

Four things for an ACH payout

A US bank or credit union account

Checking or savings, in your name.

Your routing number

Nine digits, printed on your checks and shown in your banking app.

Your account number

Check it twice. An ACH deposit follows the numbers exactly.

Crypto to send

USDT, BTC, ETH, SOL, XRP, BNB or XMR, from any wallet or exchange.

Bigger plans

Where an ACH payout helps most

Park it in savingsTake gains out of crypto price swings and into a savings account.

Pay a large bill

Tuition, a car, a home repair or a tax payment, from your own account.

Pay down debt

Clear a loan or a credit card balance from your own account.

Fund everyday lifeRent, groceries and bills, paid from the account you already use.

Cost and speed

1%, even on $15,000

The fee stays at 1% however large the order. Your coins confirm in minutes; the bank side takes 1 to 2 business days.

Example

You want in your bank$5,000.00
Zilligo fee (1%)$50.00
You send in crypto$5,050.00

Network costs are extra and small. On a large order they barely register.

Our pick for large ACH payouts: USDT. A stablecoin keeps a $5,000 or $15,000 amount steady while it confirms, and the network cost is tiny next to it.

CoinNetworkUsually arrivesNetwork cost
USDTBest pickNetworkTRC-20 (Tron)Usually arrives1 to 3 minNetwork costVery low
USDTNetworkERC-20 (Ethereum)Usually arrives2 to 5 minNetwork costHigher
BitcoinNetworkBitcoinUsually arrives10 to 30 minNetwork costVaries
EthereumNetworkEthereumUsually arrives1 to 5 minNetwork costVaries
SolanaNetworkSolanaUsually arrivesUnder 1 minNetwork costVery low
XRPNetworkXRP LedgerUsually arrivesUnder 1 minNetwork costVery low
BNBNetworkBNB Smart ChainUsually arrivesAbout 1 minNetwork costLow
MoneroNetworkMoneroUsually arrivesAbout 20 minNetwork costLow

Coin confirmation times. We send the ACH deposit right after, and it takes 1 to 2 business days.

How ACH works

ACH, in one card

A few rules of the ACH network decide when your deposit shows up. Knowing them helps you pick the right day to order.

Your bank decides when a large deposit is available to spend. That part is up to your bank, not ACH or us.

ACH Transfer logoACH at a glance
Used for
Paychecks, bills and bank transfers
Settles on
Business days only
Closed on
Weekends and federal holidays
Reaches
Almost every US bank and credit union
ZilligoZilligo per order
$1,000 to $15,000
ZilligoZilligo timing
1 to 2 business days after your coins confirm

Plan it well

Five tips for a smooth ACH deposit

  1. 1

    Copy both numbers from your banking app

    Or from a check. If they do not match an open account, the deposit comes back and costs you days.

  2. 2

    Order early on a business day

    ACH rests on weekends and federal holidays, so a Friday night order lands the next week.

  3. 3

    Use a stablecoin for big amounts

    USDT keeps the value you locked while it confirms.

  4. 4

    Expect a large deposit to be checked

    Some banks review big incoming transfers. Your order page records where the money came from.

  5. 5

    Talk to us before a very large cashout

    If you plan to move more than $15,000, we help you split it into orders.

Troubleshooting

When an ACH deposit needs attention

The deposit came back

That happens when the routing or account number does not match an open account. We contact you, and resend once you confirm the right numbers.

Two business days have passed

Count only business days, skipping weekends and holidays. Still nothing? Send support your order reference and we share the transfer details for your bank.

My bank is holding the deposit

Banks sometimes hold a large deposit for review. Your bank can tell you when it will be released.

I sent less than my order asked for

Message support with your order reference. We check exactly what arrived and explain your options.

Compare routes

ACH, a wallet app, or an exchange?

Three ways to turn crypto into US dollars, side by side.

Zilligo by ACHZilligo to a wallet appExchange, then bank
Most per orderZilligo by ACH$15,000Zilligo to a wallet app$2,500 to $5,000Exchange, then bankSet by the exchange
FeeZilligo by ACH1%Zilligo to a wallet app1.5%Exchange, then bankTrading and withdrawal fees
SpeedZilligo by ACH1 to 2 business daysZilligo to a wallet appMinutes after your coins confirmExchange, then bankUsually days
Lands inZilligo by ACHYour bank accountZilligo to a wallet appPayPal, Cash App or VenmoExchange, then bankYour bank account
SetupZilligo by ACHFree account, no ID check to startZilligo to a wallet appFree account, no ID check to startExchange, then bankAccount with ID check

FAQ

Crypto to ACH, answered

Planning a large cashout? Talk to us first, we usually reply within an hour.

How do I cash out crypto by ACH?

Choose ACH, enter your routing and account number and the amount, and send the coins your order page shows. We send the ACH deposit once they confirm.

How long does crypto to ACH take?

Usually 1 to 2 business days after your coins confirm. An order placed on a weekend or holiday starts moving on the next business day.

What is the most I can send by ACH?

$15,000 per order, from a minimum of $1,000. For more, place several orders, and talk to support first for very large amounts.

How much does it cost?

1% to us, shown before you send, plus your coin's network cost. On a $5,000 deposit, our fee is $50.

Why choose ACH over PayPal or Cash App?

A higher limit and a lower fee: up to $15,000 per order at 1%, straight into your bank. Pick a wallet app instead if you need the money within minutes.

What details do you need?

Your 9-digit routing number and your account number. Never your online banking login or password.

Which banks can receive it?

Almost every US bank and credit union accepts ACH deposits, into checking or savings.

Is an ACH deposit the same as a wire?

No. ACH and wire transfers are separate bank networks. This payout is sent by ACH, not by wire.

Can I pay with Bitcoin?

Yes, or any of our other six coins. For a large order, USDT avoids price moves while your payment confirms.

Do I need a Zilligo account?

Yes, a free one, set up in a minute. After that your two bank numbers and your coins are all it takes. There is no ID check to start a cashout.

Will I owe tax on an ACH cashout?

Turning crypto into dollars usually counts as selling it, which can be taxable. This is general information, not tax advice: keep your order reference, date and amount.

Other bank payouts

Chime logoChimeWise logoWiseSEPA Transfer logoSEPA TransferPayPal logoPayPal

By coin

USDT to a US bankBitcoin to a US bankEthereum to a US bank

Guides

Bitcoin to a bank account, comparedCashing out crypto in the USDo you owe tax?

Countries where it leads

United StatesBest for larger amounts

Ready when you are

Move bigger amounts to your bank

Add your routing and account number, send your coins, and see the exact deposit before you commit.

Cash out to your bank See fees

Orders from $50 on gift cards and top-ups, $100 on most payouts. Nothing moves until you send.

  1. 1Pick a payoutBank transfer, PayPal and other wallets, a card, a gift card or cash pickup.
  2. 2Send your coinsTo the one-time address on your order, before the 20 minute timer runs out.
  3. 3Get paidMost payouts arrive within minutes of your coins confirming.