Article Summary
This article explains how to withdraw cash from River to a bank account or wire, including minimums, holding periods, and arrival times.
Above images are for demonstrative purposes only.
You can withdraw funds from your River cash balance back to a linked bank account or by initiating an outbound wire.
You can also use your River account and routing number to pay bills and to transfer funds. For more information, please see this Help Center article.
Step 1: Locate withdrawal button
If you are using river.com, click "Withdraw cash" on the homepage. If you are using the River app on your phone, tap "Cash" at the bottom of the homepage. Then, tap "Withdraw."
If you added cash with a linked bank account, these funds will be subject to a holding period before they are available to withdraw, pay bills, or make transfers. For more information on the holding period, please see this Help Center article.
Step 2: Enter withdrawal details
Enter the amount of cash you would like to withdraw and then select either the intended bank account for receiving the funds or the wire transfer option. Then, click "Withdraw cash preview."
Please note that the minimum amount of cash to withdraw is $10. If you are initiating an outbound wire, the minimum amount of cash is $10,000. Initiating an inbound or outbound wire at River is free, but your banking partner may charge a small processing fee.
Step 3: Choose your withdrawal speed
If you selected a linked bank account in the previous step and your bank supports instant payments, you may see the option to choose between "Instant" and "Standard" when withdrawing cash. Please note that instant cash withdrawals are currently only available in the River app.
Instant cash withdrawals typically arrive in your bank account within seconds of order submission, though timing may vary depending on your bank. The fee for an instant cash withdrawal is 1% of your withdrawal amount ($1.00 minimum, $150.00 maximum). The fee is added on top of the amount you withdraw. If you are withdrawing your full available balance, the fee is deducted from the amount sent to your bank instead. The fee is always shown on the preview screen before you submit.
Standard withdrawals are free and arrive within 1 to 3 business days. If your bank doesn't support instant payments, you'll only see the standard withdrawal option, and your withdrawal will proceed as usual.
Step 4: Review withdrawal details
After reviewing, click "Withdraw cash now."
Step 5: Withdrawal initiated
If you selected a standard speed for your withdrawal, your cash will arrive in your bank account within 1 to 3 business days, depending on how early the withdrawal was submitted. If you selected an instant speed for your withdrawal, your cash will typically arrive to your bank instantly (although this may be longer depending on your bank).
You can also use your River account and routing number to pay bills and to transfer funds. For more information, please see this Help Center article.