How long does a purchase or deposit take to complete?

Certain payment methods may require you to authorize the transaction on your bank’s website before the transfer of funds begins. This authorization process usually only takes a few minutes. If you don’t authorize the transfer, the transaction should expire after about one hour.

Please note that your bank conducts its own due diligence and compliance checks on transfers, which can lead to delays beyond Coinbase’s control.

Coinbase aims to make funds available as soon as payments clear. However, the timing can vary based on your location and the payment method you use. You can check the delivery time of your orders at your history page.

If your order shows as pending, it means it hasn't been completed yet. In the rare case that your order is canceled after we debit your account, we'll return your funds to your account promptly.

US Customers

Purchases made using a debit card or the USD balance are instant.

Bank purchases using the ACH transfer system are also instant, though you will not be able to send these funds out of your account until the transfer is complete. This typically takes 3-5 business days to complete (timing is displayed prior to confirming your order and in the confirmation email). You can learn more about your available balance here.

When you tap to transfer, funds are immediately debited from your bank account, but they won't be transferred to your balance until the payment has moved between the banks and cleared in our bank account.

ACH transfers usually complete by the end of the business day at 11:59 PM PST as Coinbase is based in San Francisco, CA.

UK and EU Customers

Since your local currency is stored in your Coinbase cash balance, all standard purchases, as well as those made with a debit card, occur instantly.

  • Deposits to EUR balances using SEPA transfers can take up to 2-3 business days to complete.

  • Deposits to GBP balances using GBP bank transfers (Faster Payments and Easy Bank transfers) normally complete within 1 business day.

Canadian Customers

Because your local currency is stored in your Coinbase cash balance, all standard purchases, as well as those made with a debit or credit card, occur instantly. 

Deposits to your CAD balance using Interac transfers usually complete within 5 minutes (it may take longer if there is high traffic on the network). Deposits using EFT bank transfer can take 1 business day to complete. You won't be able to immediately cash out your local currency using a linked bank account or send crypto purchased with such funds from Coinbase. (Learn more about cashout availability.)

Singaporean and Australian Customers

Purchases made using debit cards are available instantly.

"Business days" are generally Monday to Friday from 9 AM - 5 PM (excluding holidays).

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