Purchase or deposit completion time varies due to factors including location, payment methods, and different banks’ systems.
Coinbase aims to make funds available as soon as payments clear. Delays may occur due to the following:
Banks conduct their own due diligence and compliance checks on transfers, which can lead to delays beyond Coinbase’s control.
Certain payment methods may require you to authorize the transaction on your bank’s website before the transfer of funds begins. If you don’t authorize the transfer, the transaction will expire and won’t execute.
Purchase or deposit status
Check the delivery time of your orders in your history.
Orders marked as pending have not yet been completed.
In the rare case that your order is canceled after we debit your account, we’ll return your funds to your account promptly.
Completion time for US customers
Payment type | Completion time |
Debit card purchases | Instant |
USD balance | Instant |
Bank purchases via ACH transfer | Instant You can send these funds out of your account when the transfer is complete, typically in 3–5 business days. |
Transferring funds via ACH transfer | You can send these funds out of your account when the transfer is complete, typically in 3–5 business days. When you transfer, funds are immediately debited from your bank account. They transfer to your balance when the payment has moved between the banks and cleared in our bank account. Usually completed by the end of business day at 11:59 pm Pacific time. |
Completion time for UK and EU customers
Since your local currency is stored in your Coinbase cash balance, all standard purchases occur instantly.
Payment type | Completion time |
Debit card | Instant |
Deposits to EUR balances using SEPA transfers | 2-3 business days |
Deposits to GBP balances using GBP bank transfers | Up to 1 business day |
Completion time for Canadian customers
Because your local currency is stored in your Coinbase cash balance, all standard purchases occur instantly.
Payment type | Completion time |
Debit card | Instant |
Deposit to your CAD balance using Interac transfers | Typically within 5 minutes. Delays may result from high network traffic |
Deposits using EFT bank transfer | Up to 1 business day 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. |
Singaporean and Australian customers
Purchases made using debit cards are available instantly.
Business days are generally Monday–Friday from 9 AM–5 PM, excluding holidays.
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