📌 What is the belo dollar account?
It's a receiving account in your name in the United States that allows you to receive USD payments from abroad via ACH or Wire transfers.
The funds are automatically credited in your belo account in USDC, a stable cryptocurrency equivalent to the dollar.
🧾 Which data do I receive by creating the account?
When you enable your dollar account, you'll receive the following banking data:
Account's owner name
Bank's name
Bank's address
Routing Number
Account Number
Account Type
⏱ In how much time do the funds get credited?
ACH: between 2 to 4 business days
(if sent before 4:00 p. m. EST, could be credited in the same day).Wire: between 2 to 4 business days
(if sent before 5:00 p. m. EST, could be credited in the same day).⚠️ Paypal transfers may take up to 3 weeks.
Note: Bank holidays in the US are not considered business days.
🏦 Which transfer types can I receive?
ACH: standard electronic transfers inside the US.
Wire: fast and direct bank transfers inside the US.
❗ We don't allow SWIFT transfers.
🤔 Does receiving dollars have any costs?
💰 Deposit fees:
ACH transfers: 0,3% of the total amount, with a minimum fee of $0,5 USD.
Wire transfers: $20 USD per transaction.
❗ Account opening fee: Opening your USD or EUR account costs $3 USD, and it's valid for one year from activation.
👉 If you already have a euro account, opening a dollar account is free — and vice versa.
💰 What can you do with your USDC balance?
Withdraw to a local currency bank account
Set up an Automatic purchase
Convert to pesos, pay for services, or use your card if you’re in Argentina
Pay via Pix if you’re in Brazil
Buy from over 10,000 gift cards in the Bitrefill catalog
⚠️ Does receiving dollars have any limits?
There are minimum and maximum limits 👇
The minimum amount to receive a standard ACH transfer its $200 USD.
This minimum doesn't apply to microdeposit verifications.
The maximum third-party limit per transaction its $4000 USD.
Transactions above this limit will be reversed to the sender 🚨
This limit doesn't apply to same name transfers, or transfers sent by business accounts.
You can receive up to $14.000 USDT per month in your account.
👉 If this amount gets exceeded, the transfer won't be automatically credited to your account and you'll need to contact our support team to solve it.
❗ Transfers of $1 USD and less are considered a microdeposit, and they don't get credited to your belo account.
🌎 Can I receive transfers from all over the world?
No, our provider has restrictions on some countries, and you can't receive a transfer from them.
Here's a list on the restricted countries 👇
Restricted countries list
Restricted countries list
Afghanistan
Belarus
Cuba
Democratic Republic of the Congo
Gaza Strip
Haiti
Iran
Iraq
Lebanon
Libya
Mozambique
Myanmar
North Korea
Palestine
Russia
Somalia
South Sudan
Sudan
Syria
Ukraine
Venezuela
Yemen
❗ Your US account may be paused or disabled by receiving a transfer from any of those countries.
❓ Is this a real bank account?
Yes, this is a US bank account in your name.
Nonetheless, the funds does not stay as traditional dollars: when credited, they get automatically converted to USDC and you can manage them from your belo account as cryptocurrencies funds.
🕵️♂️ What to do if a transfer doesn't get credited?
If the expected time gets exceeded and the deposit isn't credited, please contact us through the Help Center section in the app.
👉 It's essential to have the transfer receipt. Pleas ask to the sender a receipt that includes:
Trace ID (if it's an ACH transfer)
IMAD (if it's a Wire transfer)
The account number and routing number
Amount, date and time
A receipt's screenshot or PDF
The more info you have, the faster we'll help you.
📩 Got questions?
Here’s how to reach us 👇
Through our Help Center
In the app, by tapping the Support button
By email: [email protected]
If you're having issues with a USD transfer, include in your message:
Amount and date of the transfer
Screenshot or PDF of the receipt
Trace ID (for ACH) or IMAD (for Wire)
We’re here to help you 💜
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belo does not provide financial advice or recommendations. Please consult professionals if you have any questions. Using crypto assets involves certain risks. Be sure to read our Terms and Conditions.