Overview
With Quicken Simplifi’s Account-to-Account (A2A) transfer feature, you can move money between your connected checking and savings accounts—even when they’re at different banks—just like you would on your bank’s website, without ever leaving Quicken Simplifi. This feature is included at no additional cost, so you won’t pay any fees to use it.
Note: This feature is not currently available for all accounts. Please review the eligibility requirements below to confirm if it’s available for you.
This feature will roll out for all users over time. If you don't see this feature available, but meet the eligibility requirements, it will be available to you in the future.
Eligibility Requirements for This Feature
To use this feature, you must meet all of the following requirements:
You must have a Quicken Simplifi Space (dataset) that was created before January 1, 2026. If your Space was created after this date, you won't be able to use this feature.
At least two accounts must be enabled for Account-to-Account transfer before you can start transferring funds.
The bank accounts involved in the transfer must be connected in your Simplifi data set.
Account-to-Account Transfer Limits
Business accounts are not eligible for the Account-to-Account transfers feature.
Currently, only checking and savings accounts are eligible for account transfers.
You can transfer money into connected investment accounts, but not out of them (some investment accounts, like 401(k)s, may not accept transfers in).
If you share your data with someone through Space Share, the party you share it with cannot perform Account-to-Account transfers.
You cannot schedule automatic Account-to-Account fund transfers using our Recurring Transaction feature.
For newly enabled accounts, transfers are limited to $2,000 per day and increase over time to a limit of $5,000.
The bank accounts involved in the transfer must be connected in your Simplifi data set.
Enable Account-to-Account Transfers
To enable the Account-to-Account funds transfer feature, you will need to set up and verify your eligible accounts for transfers. There are two ways to begin the setup:
From your Dashboard
You will see a tile appear in the upper right of your Dashboard, asking if you would like to set up fund transfers between your accounts. Click on the blue Set Up button to get started.
From Settings
Under your Settings, you can enable Account-to-Account transfers. You can do so by:
Click the ⚙️Settings icon in the upper-right corner.
Select Transfer activity.
Click on the Set Up Transfers button.
Click the blue Get Started button.
Verification Process
We take account security seriously, so we’ll ask you to verify your phone number, email address, and identity along the way.
Verify your phone number
Verify your phone number
If no phone number is associated with your account, you’ll be prompted to add one.
Confirm the phone number displayed is the correct one.
Click Send verification text.
Tap the link in the text message we sent.
Verify your email
Verify your email
Confirm the email address displayed is correct.
Click Send verification email.
Click the Verify button in the email we sent.
Verify your identity
Verify your identity
Verify your identity by entering the following information:
First name.
Last name.
Home address.
Date of birth.
Last four digits of Social Security Number.
Set up your Accounts for A2A Transfers
Once your identity is successfully verified, you can continue by clicking on the Set up accounts button.
You will see a pop-up indicating which connected banks have eligible checking and savings accounts for Account-to-Account transfers.
Click on the connected bank with the eligible account(s) that you want to enroll.
Click on the eligible account.
Enter the routing and account number associated with that account.
Click Continue.
Note: For further account authorization, we will send two small deposits, each under $1, into your account within a day or two. Follow the instructions below to verify the account using the two small deposits.
Instructions to enter verification deposits
Instructions to enter verification deposits
Click the ⚙️Settings icon in the upper-right corner.
Select Accounts.
Click on the three-dot menu to the right of the account you enrolled for Account-to-Account transfers.
Click Verify Account for transfers.
Enter the amounts that were deposited into your account.
Ensure you enter the first deposit you received into the Deposit amount 1 section and the second deposited amount you received into the Deposit amount 2 section.
Click Verify.
Once your accounts are verified, you can transfer funds between the enrolled accounts.
How to Use Account-to-Account Transfers
Once you've verified the connected accounts you want to transfer funds between, you can begin setting up a transfer. There are many ways you can start this process, here are two of them:
Start a transfer from your account:
Click into the account that was enrolled
Click the Transfer Money button in the upper-right corner.
Start a transfer from settings:
Click the ⚙️Settings icon in the upper-right corner.
Select Transfer activity.
Go to the Transfer money section on the right side of the screen.
Once you are in the Transfer funds screen, you can start entering the transfer details.
Enter the transfer details:
Select the source account from which the funds will be withdrawn.
Select the destination account that will receive the transferred funds.
Enter the dollar amount of the transfer.
Click the blue Review button.
Confirm the funds transfer information is correct.
Click the blue Submit button.
Note: Account-to-Account transfers can take up to 2 business days to complete.
Frequently Asked Questions
How do I cancel a funds transfer once it has been submitted?
How do I cancel a funds transfer once it has been submitted?
A transfer can be canceled while it is in a Scheduled state. Once the transfer is in the Processing state, you will not be able to cancel it.
Click the ⚙️Settings icon in the upper-right corner.
Select Transfer activity.
Click the three-dot menu next to the transfer you want to cancel.
Select Cancel (if available).
Is this feature available on the Quicken Simplifi mobile app?
Is this feature available on the Quicken Simplifi mobile app?
This feature is currently unavailable in the mobile app. To perform A2A transfers use the mobile app instead.
If you have any questions or need help managing the Account-to-Account transfers in Quicken Simplifi, reach out to our support team. Or start a live chat by clicking on the blue messenger icon in the bottom-right corner of the screen.