You can send money using a routing and account number through several well- known banking and payment apps that support direct bank transfers (usually ACH). Below is a breakdown plus some safety tips.

Key Apps You Can Use

These apps (or services) let you send money directly to a bank account using routing and account numbers, usually by setting up the recipient as a bank transfer destination or using standard ACH/wire features.

  • Your bank’s own mobile app
    • Almost every major U.S. bank or credit union app lets you send money to another bank account using the recipient’s routing and account number (ACH or wire).
* Look for options like “External transfer,” “ACH transfer,” or “Wire transfer.”
  • Wise
    • Wise lets you send money directly to U.S. bank accounts using routing and account numbers, and also to many bank accounts overseas.
* You enter the receiver’s name, account number, and routing number, then pay via ACH, wire, or card.
  • Western Union / MoneyGram / Remitly
    • These money transfer services allow sending funds to bank accounts; to deposit to a U.S. account, you’ll use routing and account numbers (or the local equivalent abroad).
  • Cash App, Venmo, PayPal (indirectly)
    • These are usually used with usernames, emails, or phone numbers, but:
      • You can link a bank account (using routing and account numbers) and then “cash out” to that bank.
  * In some guides and tutorials, people highlight using these apps for fast transfers after linking bank accounts, but they are not pure “enter routing and account number only and send” front-ends like a bank’s ACH screen.

Simple Example

  • You open your bank app.
  • Go to “Transfer & Pay” → “External accounts” or “Send to another bank.”
  • Add the recipient’s routing number + account number + name , verify any micro‑deposits if required, then send an ACH transfer.

Things to Watch Out For

  • Verification is normal and important
    Any app that lets you move money with just routing and account numbers but claims “no verification” is a red flag; banks and reputable apps must verify in some way to reduce fraud.
  • Double‑check numbers
    One wrong digit in the routing or account number can send your money to the wrong person, and recovering it can be difficult.
  • Fees & speed
    • ACH transfers via banks and services like Wise are often low‑cost but may take 1–2 business days.
* Wires and some instant transfer options are faster but usually cost more.

Quick HTML Table (Apps & Methods)

html

<table>
  <thead>
    <tr>
      <th>App / Service</th>
      <th>Can use routing & account number?</th>
      <th>Typical use</th>
      <th>Notes</th>
    </tr>
  </thead>
  <tbody>
    <tr>
      <td>Bank / credit union app</td>
      <td>Yes (ACH or wire)[web:1]</td>
      <td>Domestic transfers</td>
      <td>Most direct way; look for “external transfer” or “wire.”</td>
    </tr>
    <tr>
      <td>Wise</td>
      <td>Yes, to U.S. and many foreign accounts[web:1][web:7]</td>
      <td>Domestic & international</td>
      <td>Uses real exchange rate for currency conversion; low, transparent fees.</td>
    </tr>
    <tr>
      <td>Western Union / MoneyGram</td>
      <td>Yes, for bank‑deposit transfers[web:1]</td>
      <td>International transfers</td>
      <td>Fees and delivery time vary by country and payout method.</td>
    </tr>
    <tr>
      <td>Remitly</td>
      <td>Yes, for bank deposits in supported countries[web:3]</td>
      <td>International remittances</td>
      <td>Also supports cash pickup and mobile wallets.</td>
    </tr>
    <tr>
      <td>Cash App / Venmo / PayPal</td>
      <td>Indirect: link bank via routing & account numbers[web:5][web:9]</td>
      <td>Person‑to‑person transfers</td>
      <td>Send to username/email, then withdraw to a linked bank account.</td>
    </tr>
  </tbody>
</table>

Mini “Forum‑Style” Take

If you just want to punch in someone’s routing and account number and send money, the most straightforward option is usually your own bank app or a service like Wise that explicitly supports bank‑to‑bank transfers. Apps like Cash App, Venmo, and PayPal are great for day‑to‑day payments, but they mainly use handles/emails; routing and account numbers come into play when you link bank accounts or cash out, not when you send to a stranger’s bank directly.

TL;DR:
Use your bank app or Wise if you want a clean “enter routing + account number and send” flow; use Cash App / Venmo / PayPal if you’re okay sending to someone’s handle and then they move it to their bank. Always verify details and beware of any service promising big transfers with “no verification.”