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 won't 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 will be calculated based on many factors, which include your account history, payment activity, and transaction history.

Note: Coinbase Support cannot reduce the holding period for "funds on hold."

What does “collateral” mean?

Coinbase uses the term "collateral" to refer to a borrower’s BTC funds, equal to the US dollar value of the loan at the time of loan origination, that Coinbase "locks up" in order to secure the loan. If 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 US dollar balance 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'll 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. 

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