Available balance

What is an available balance?

Your available balance is how much you can cash out or transfer immediately out of your Coinbase account. It’s directly related to purchasing crypto or adding cash in local currency using a linked bank account. For security reasons, you will not be able to immediately cash out your local currency using a linked bank account or send crypto purchased with such funds off of Coinbase (we call this “cashout availability”). 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.

What does “funds on hold” mean?

Funds on hold is the local currency value of your recent cashouts and any crypto purchased with those cashouts. This total amount will always be represented in local currency, regardless of whether you cashed out or purchased crypto. Before confirming a cashout or crypto purchase with such funds, Coinbase will always tell you when those funds or crypto will be available to send off of Coinbase or cash out to your bank. The amount of funds will be calculated based on many factors, which include your account history, payment activity, and transaction history.

What does “collateral” mean?

Coinbase uses the term "collateral" to specifically refer to a borrower’s BTC funds, equal to the USD value of the loan at the time of loan origination, that Coinbase ‘locks up’ in order to secure the loan. In the event that a monthly payment is missed, Coinbase will sell off just enough of this BTC collateral to repay the missed payment.  

Learn about borrowing from Coinbase

How is my available balance calculated?

Your available balance is your total account value minus your funds on hold.

Are crypto value increases affected by the holding period?

No. Any increase in value of cryptocurrency does not affect the availability of your cashout amount.

Are wire transfers or debit card purchases subject to availability of my cashout?

Yes. When you complete a purchase or add cash, the transaction is subject to any existing restrictions on the account, regardless of which payment method you used. In general, debit card purchases or wired funds from your bank to your Coinbase USD wallet do not affect your availability to cash out—if no restrictions exist on your account, you can use these methods to purchase crypto to send off of Coinbase immediately.

My cash out availability time frame hasn’t expired and I want my funds immediately, what do I do?

You can still buy, sell, and trade within Coinbase. However, you will need to wait until any existing Coinbase account holds or restrictions have expired before you can cash out with your bank account. Withdrawal-based limit holds typically expire at 4 pm PST on the date listed. 

Do I have to wait for cashout availability before transferring to Coinbase Pro from my Coinbase USD wallet?

Yes. If you add cash to Coinbase from your bank account, you will have to wait until your availability to cash out has expired before moving those funds to Coinbase Pro. When you try to add cash to Coinbase Pro from your Coinbase USD wallet, you will see an Available to add cash amount. This Available to add cash amount is how much you can transfer immediately. 

You can always add cash directly from your bank account to your Coinbase Pro USD wallet—this does not affect your cashout availability.

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