> ## Documentation Index
> Fetch the complete documentation index at: https://getlemma.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Send externally

> Send ACH, RTP, FedNow, wire, and check payments to bank accounts outside of Lemma.

Send payments to bank accounts outside of Lemma. Go to [Move money > Send externally](https://app.getlemma.com/_/move-money/externally) and follow the three-step process:

<Steps>
  <Step title="Choose a recipient">
    Select a saved recipient from your [external
    recipients](/docs/guides/external-accounts) list, or add a new one.
  </Step>

  <Step title="Enter payment details">
    Enter the amount and choose a transfer method. Every transfer method is enabled on your Lemma account, but Lemma checks the recipient's routing number and disables any method their bank does not accept. ACH, RTP, and FedNow transfers are free to send. Wires and checks have small sending fees listed on the [pricing](/docs/billing/pricing) page. The RTP and FedNow networks cap how much you can send in a single transfer, but you can send multiple transfers in a row to move a larger amount.

    <Note>
      Wire transfers carry the recipient's address on the Fedwire network, which
      allows at most 35 characters each for address line 1, address line 2, and
      city. If any of those lines is longer, Lemma rejects the wire when you send
      it and the error names each line that is over the limit. Recipients cannot
      be edited, so [add a new recipient](/docs/guides/external-accounts) with a
      shorter address to send the wire. Other transfer methods are not affected
      by this limit.
    </Note>
  </Step>

  <Step title="Review and confirm">
    Review the transfer details and confirm. For wire transfers and check
    mailings, the fee is deducted from your account automatically.
  </Step>
</Steps>

You can [attach a document](/docs/guides/attachments) to an external payment for your own records. Unlike a document mailed with a check, it is never sent to the recipient.

To move funds between Lemma accounts, [transfer within Lemma](/docs/guides/transfer-within-lemma) instead. It is instant and free.


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