US customers can withdraw funds via ACH, choosing standard (free) or instant (fee-based) processing, depending on their bank’s capabilities.
How do withdrawals via ACH work?
Withdrawals via ACH provide flexibility, with free standard processing or instant withdrawals for a small fee.
| Standard Withdrawals | Instant Withdrawals | |
| Processing time | Up to 5 business days (Status displayed in the app: "processing") | Instant |
| Fee | Free | Variable fee (1.75%), with a minimum of $1 |
| Eligibility | Any linked US bank account | Requires a bank supporting FedNow or RTP (⚡ symbol in app) |
How do I choose ACH as a withdrawal method?
- On the home screen, tap "Withdraw".
- Select the account you’re withdrawing from and choose "ACH bank account".
- Tap "Continue", then select the destination bank account.
- Enter the withdrawal amount and choose
- Standard withdrawal (free, up to 5 business days).
- Instant withdrawal (fee applies, instant).
- Tap "Preview withdrawal" to review details.
- Then tap "Confirm withdrawal" to complete.
💡 Tip: Withdrawing or trading your full asset balance?
Use the "Max" button. Selecting "Max" automatically calculates applicable fees so you can:
- Prevent Failed Transactions: Avoid errors caused by manually calculating fees.
- Clear Your Balance Completely: Prevent small leftover fractions ("crypto dust") from remaining in your account.
Why can’t I withdraw my funds?
When you deposit funds from a US bank account, there are a few security and processing periods that can temporarily restrict withdrawals. These restrictions ensure the safety of your account and the platform.
There are two primary reasons a recent deposit may not be available for immediate withdrawal:
- Settlement period - When you deposit funds from a bank account via ACH, they must fully process (i.e., settle) before they can be withdrawn. This can take up to 5 business days.
- 65 day cooling off period - If your bank account was not linked via Plaid or lost its Plaid connection, a 65-day withdrawal restriction may apply. This restriction only affects withdrawals to other destinations. You can still withdraw to the originating bank account after the funds have settled, just not to other destinations.
Important: You Can Still Trade
While your funds may be restricted from withdrawal, you are not locked out of the market. Your funds are available, giving you full access to trading opportunities.
If you wish to sell your crypto but are subject to a withdrawal restriction, you can convert your crypto to a stablecoin or USD. This allows you to secure your position immediately, and you can then withdraw the funds to your bank account once the restriction has expired.