## Add money

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

1. Open the Transfers tab  
   Tap **Transfers** in the bottom navigation.
2. Tap Add money  
   Select **Add money** to open the deposit flow.
3. 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.
4. 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.
5. Enter amount and confirm  
   Enter the amount you’d like to transfer, review the details, and confirm.

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](https://help.trykarat.com/mobile-app/managing-multiple-accounts-in-mobile-app) for more.

## Send money

The app supports three ways to send money:

- **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.
- **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.
- **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.

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.