An account’s available balance shows the amount that can be transferred or cashed out of a customer’s Coinbase account. This balance reflects the total account value minus any noncash assets owned such as crypto, stocks, and/or funds*.
Cash deposits on hold
Cash deposits may be placed on hold and won’t be immediately available to send or cash out.
During the hold period:
Crypto
Crypto purchased with cash that is on hold can be sold or traded on Coinbase.
Cash on hold can’t be used to trade DEX assets, buy prediction market contracts, or send crypto purchased with these funds until the hold is lifted.
These restrictions apply to crypto activity and do not affect the value of stock or fund positions already owned.
Stocks and funds
Only settled cash can be used to purchase stocks and ETFs.
Stock and fund sale proceeds will increase your available balance only after the standard settlement period is completed.
For security and fraud prevention purposes, this hold time cannot be altered.
Additional notes:
Assets on hold are displayed in local currency, whether from cash deposits or crypto purchases.
Increases or decreases in the value of stocks and funds also do not affect your cash-out availability until the assets are sold and the sale proceeds settle.
To send crypto, trade DEX assets, or buy prediction market contracts instantly, deposit funds using a debit card.
Hold periods
Hold periods depend on factors like account history, payment activity, and transaction history.
After buying crypto, selling stock or funds, or adding cash, customers will receive a confirmation email that says when assets will be available to transfer. Customers will receive another email when the assets are available.
Holds typically expire by 11:59 PM PT on the date listed, but may get extended due to disputed transactions or to help ensure account safety. Coinbase Support cannot reduce the hold time.
Sends and withdrawals after a deposit hold clears
In some cases, certain types of transactions, such as sending crypto or withdrawing cash to external accounts, may be temporarily restricted even after the initial hold period has ended. Generally, if you see a message in the app indicating a temporary restriction on a transaction, you can either wait and try the transaction again at another time or withdraw the funds directly to the bank account the funds originated from by selecting that account as the withdrawal destination.
If that bank account is no longer available, contact Coinbase Support.
View balance availability
The balance summary generally shows how much of the customer’s account balance can currently be traded or transferred. Stocks and funds may only be bought using settled USD. Crypto can be bought using USD, USDC, or converted from another crypto asset held.
Balance availability can be viewed by starting a transaction (such as buying crypto or sending assets off-platform) and selecting the Available tooltip.
For derivatives, navigate to the USD or USDC page and select the My Balance arrow to see the full derivatives available to trade.
For DEX trading, the balance available to trade may differ. View the DEX trading balance within the trade flow. Any assets on hold will be excluded from this available to trade on DEX balance.
Web browser
From your account home screen, select Cash.
Select US Dollar, then See Balance Summary.
Wire transfers and debit card purchases do not affect your availability to cash out but are subject to any existing holds on your Coinbase account.
*Securities products are subject to availability and can be updated without notice. "Funds" in this article is a generic term and refers to both exchange traded funds (ETFs) and mutual funds.