# Deposits & Withdrawals

> All the ways to move money in and out of Senddy.

Source: https://www.senddy.com/docs/using-senddy/deposits-withdrawals
Last modified: 2026-08-02T02:33:05.000Z

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## Depositing funds

### Bank transfer (ACH)

Connect any of 12,000+ supported US banks. Transfers are free and typically arrive within 1-2 business days.

### Debit or credit card

Fund instantly with Visa or Mastercard. Processing fees are charged by the payment provider and disclosed before you confirm.

### Venmo & Cash App

Transfer funds from your existing payment apps into Senddy.

### Direct stablecoin deposit

Send USDC directly from any wallet on supported networks:

- **Base** — Native, gas-sponsored private deposits
- **Ethereum** — Bridged automatically via the Ethereum bridge
- **Solana** — Bridged automatically via Circle CCTP

When depositing from Ethereum or Solana, Senddy handles the bridge for you. See [Bridging Assets](/docs/using-senddy/bridging) for details.

### One-time Base deposit addresses

Senddy creates a fresh Base address for each direct USDC deposit. The address is generated locally from your Senddy keys and is not your reusable smart-wallet address.

After USDC arrives:

1. Senddy detects the transfer and authorizes the pool deposit from the one-time address.
2. A Senddy relayer submits the transaction, so the address does not need ETH for gas.
3. The deposit is shielded into private notes.
4. The address is retired. Your next deposit receives a different address.

This prevents observers from trivially grouping your Senddy deposits through one permanent recipient address. It also avoids exposing a stable Senddy wallet address whenever you fund your account.

The funding transaction is still public. Its source, amount, and timing may provide correlation signals—especially when repeatedly funding from the same self-custody wallet. One-time addresses improve deposit privacy, but they do not make public blockchain transfers invisible.

### Direct deposit

Set up your employer's direct deposit to Senddy. Your paycheck starts earning yield immediately on arrival.

## Withdrawing funds

### To a bank account

Withdraw to your connected bank account via ACH. Free, with funds arriving in 1-2 business days.

### To an Ethereum address

Withdraw USDC to any Ethereum-compatible address (Base, Ethereum mainnet, etc.). This creates a public on-chain withdrawal — the USDC leaves the privacy pool and appears at the destination address.

### Cash out

Use the **Cash Out** feature in the app to withdraw to your bank, Venmo, or other supported payment methods.

## Fees

| Method | Deposit Fee | Withdrawal Fee |
|---|---|---|
| Bank transfer (ACH) | Free | Free |
| Debit/Credit card | Provider fee (shown at checkout) | N/A |
| Stablecoin (Base) | Gas-sponsored | Network gas (~$0.01) |
| Stablecoin (Ethereum) | Network gas (~$1) | Network gas (~$1.00) |
| Stablecoin (Solana) | Network gas (~$0.01) | Network gas (~$0.01) |

## Minimums

Direct Base deposits currently have a 0.10 USDC minimum. Other funding and withdrawal methods may have provider-specific limits shown in the app.