How long does a purchase or deposit take to complete?

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

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

US Customers

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

Bank purchases use the ACH transfer system, which typically takes 3-5 business days to complete (timing is displayed prior to confirming your order and in the confirmation email).

When you initiate the 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.

UK and European 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) 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 take up to 5 minutes to complete (longer if the network is busy)

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

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