Altitude lets you send and receive money by bank transfer or stablecoin from one workspace. Balances are held in stablecoins, and bank transfers convert automatically – 1:1 for USD and EUR, or at the rate shown before you send for GBP, MXN, BRL and COP.
Open several USD or EUR accounts to keep operations, payroll and reserves separate. USD accounts hold USDC and EUR accounts hold EURC, and each has its own bank details. You choose which account to pay from, and deposits land in the account whose details you shared.
Receive funds
Altitude supports the following payment rails for receiving funds:
Deposit Type | Details Provided | Supported Methods | Settles As |
USD | US routing number and account number | ACH, ACH Same Day, Wire | USDC |
USD (international) | Account number and SWIFT/BIC code | SWIFT | USDC |
EUR | SEPA IBAN | SEPA | EURC |
Stablecoin | Wallet address on Solana, Ethereum, Base, Arbitrum, Optimism, Avalanche or Tempo | USDC on Solana, Ethereum, Base, Arbitrum, Optimism, Avalanche, Tempo; EURC on Solana | USDC / EURC |
All deposits convert at 1:1 with zero fees. There are no limits on transfer size. For full details, see Receive funds.
Only USDC and EURC are supported. Other stablecoins (USDT, DAI, USDP, USDG, PYUSD, FDUSD, etc.) can't be deposited.
Send payments
Altitude supports the following payment rails for sending funds:
Payment Rail | Currency | Minimum | Processing Time | Use Case |
ACH | USD | $5 | Up to 3 business days | Routine US domestic payments |
ACH Same Day | USD | $5 | 1 business day | Faster US domestic payments |
Wire | USD | $5 | 1 business day | Faster US domestic payments |
SEPA | EUR | €5 | Usually within minutes; 1–3 business days without SEPA Instant | European bank transfers |
Faster Payments | GBP (from USD) | £5 | Usually within 30 minutes | UK bank accounts, in pounds |
SPEI | MXN (from USD) | 100 MXN | Usually within 30 minutes | Mexican bank accounts, in pesos |
Pix | BRL (from USD) | 25 BRL | Usually within 30 minutes | Brazilian bank accounts, in reais |
Bre-B / bank transfer | COP (from USD) | 20,000 COP | Bre-B usually within 30 minutes; bank transfer same weekday | Colombian bank accounts, in pesos |
SWIFT | USD | $100 | Up to 5 business days | International bank transfers (190+ countries) |
Stablecoin | USDC / EURC | 1 USDC / 1 EURC | Instant on Solana; up to 15 minutes on other networks | Global transfers, 24/7, no banking hours |
Processing times are estimates. US and SWIFT transfers run on business days; SEPA Instant, Faster Payments, SPEI, Pix and Bre-B run 24/7, and stablecoin transfers settle anytime.
Every payment goes to your Inbox for review and approval before it's sent.
For step-by-step instructions, see Send a US domestic payment, Send a SEPA payment, Send an international payment, or Send stablecoins. For payments in GBP, MXN, BRL or COP, see Send a GBP payment via Faster Payments, Send an MXN payment via SPEI, Send a BRL payment via Pix, or Send a COP payment via Bre-B or bank transfer.
Fees
Payment Rail | Fee | Notes |
ACH | Free | Altitude sponsors all domestic transfer fees. |
ACH Same Day | Free | Altitude sponsors all domestic transfer fees. |
Wire | Free | Altitude sponsors all domestic transfer fees. |
SEPA | Free | Altitude sponsors all domestic transfer fees. From a USD account: 0.4% above the mid-market rate. |
Local currency payments (GBP, MXN, BRL, COP) | 0.4% above mid-market (0.6% for COP) | Covers conversion and payment costs; included in the rate shown. No flat fee, no volume tiers. |
SWIFT | $35 flat fee | Configured as OUR (sender-paid). $100 minimum per transfer. |
Stablecoin | Free | No transfer fees or network fees on any supported chain. Minimum 1 USDC or 1 EURC per transfer. |
Receive funds | Free | No charges for deposits or incoming transfers, including SWIFT. Sender-side and intermediary bank fees are outside Altitude's control. |
Convert between USDC and EURC | Free | Conversions are powered by Jupiter, the swap aggregator, with no added fee. |
Swap USDC or EURC for SOL or cbBTC | Free | No Altitude fee and no swap fee, in either direction. Executed at the market rate through Jupiter. See Holdings. |
SWIFT fees are sender-paid. SWIFT transfers are set to OUR, so the recipient should receive the full amount. Some banks or intermediaries may still deduct fees – if in doubt, check with the recipient's bank first.
Exchange rates on local currency payments
When you pay in EUR, GBP, MXN, BRL or COP from a USD account, Altitude converts the funds for you.
Fee: 0.4% above the mid-market rate (0.6% for COP), the same at any volume.
No hidden costs: the fee is built into the rate shown, and the recipient gets exactly the quoted amount.
Rate lock: the quote refreshes every 30 seconds; once you send, the rate is fixed, even while the payment awaits approval.
Records: the rate and fee appear in the payment details, confirmation PDF and exports.
Returns: returned funds convert back at the rate on the day of the return, so the USD credited can differ slightly.
For the full pricing breakdown, see Pricing overview.
Bill Pay
Upload or forward any bill you need to pay, and Altitude reads the recipient, amount and due date. Bills then go through the same approval flow as any other payment. See Bill Pay.
Recipients
Save bank or wallet details under Payments › Recipients so your team can reuse them for any payment. See Recipients.
Payment confirmations
Open a completed payment in Transactions and select Download confirmation. The PDF shows the amount, sender, destination and the rail reference or on-chain signature the recipient's bank can trace. For statements and other documents, see Statements and documents.