What is RTP?
Real-Time Payment (RTP) is a banking network that allows for the immediate transfer of funds between bank accounts in seconds, 24/7, including weekends and holidays.
How do I withdraw my funds via RTP?
Please note that USD withdrawals via RTP are only available to U.S. users.
To do so, follow these steps:
From the bottom navigation in the Crypto.com App, tap Accounts > USD Account > Withdraw > Real-Time Payment
Tap Add bank account. Proceed to step (3) if you have already linked your bank account via Plaid.
You will be redirected to your banking portal for login
Authorize the connection to your bank account via Plaid. You will be redirected back to the Crypto.com App once your bank account is linked.
Go back to Accounts > USD Account > Withdraw > Real-Time Payment
Input the amount you wish to withdraw
Review and confirm the transaction
What are the withdrawal limits and fees?
The withdrawal limits and fees for Real-Time Payment are as follows:
| Limits |
|
| Non-Prime users | Prime Users |
Min. Withdrawal Amount | $1 per transaction | $1 per transaction |
Max. Withdrawal Amount | $75,000 per transaction | $75,000 per transaction |
Daily Withdrawal Limit | $500,000 | $1,250,000 |
Monthly Withdrawal Limit | $3,000,000 | $7,500,000 |
Transaction Limit | 5 transactions per day, or 30 transactions per month | Unlimited |
| Fees |
|
Withdrawal Fee | 1.5% | 1.25% |
Why can’t I link my bank account?
The name on the bank account must match the name associated with your Crypto.com App account.
What happens if my bank account is not eligible for RTP?
If your bank does not support RTP, you can withdraw via the ACH network. Contact your banking institution to verify RTP compatibility.
Why can’t I link more bank accounts?
You can only add up to five (5) bank accounts. To add a new one, delete an existing account by tapping Edit on the top-right corner of the screen and swiping left on the entry you wish to remove.
Why is the “Relink” button not working?
If the Relink button is not functioning, ensure the bank account selected is the same as the one originally linked.
If issues persist, you can try:
Re-establishing the connection by going to Accounts > USD Account > Withdraw > Real-Time Payment > Add bank account.
Removing expired bank accounts that cannot be relinked. To do so, tap Edit on the top-right corner of the screen and swiping left on the entry you wish to remove.
Ensure the total number of linked accounts does not exceed five (5).