Crypto.com now offers a zero-fee* and localized way for Australian residents to top up their AUD wallet** via NPP (PayID) or BPAY from their bank accounts - local payment channels trusted by many in Australia.
*Please note that Crypto.com charges no fee for AUD deposits via NPP/BPAY but your bank might apply a processing fee.
**Requires app version 3.65 or higher
How to set up my AUD wallet?
Go to “Fiat Wallet” from Super App Menu Button
Tap on the “+ Set Up New Currency” button
Setup AUD
Read and accept the Terms and Conditions for your AUD wallet
Choose your preferred payment channel - NPP or BPAY to see the respective bank transfer details
Use the bank account info provided to transfer directly through your bank via the selected channel
Please remember to include your customer reference number on all reference/description fields in your payment instruction. This is the only way our team can identify and verify your deposit. Funds might be lost if the unique reference number is missing.
Different banks have different reference fields on their internet banking but to be safe please include your customer reference number on all available fields
Some banks require your unique reference number in both a "Description" and "Reference" fields. Please contact your bank for more details.
We will notify you once your bank transfer has been successfully deposited.
1. Go to "Fiat Wallet" from the Super App menu button |
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2. Tap on "+ Set Up New Currency" | 3. Accept the T&C |
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4. Choose your preferred payment channel - NPP or BPAYto see the bank transfer details |
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How to deposit AUD?
Upon successful setup of the AUD wallet, you will see an information page with all the details necessary to transfer AUD from your bank account. This information can be also assessed via the “Deposit AUD” button in your AUD Fiat Wallet.
Please keep in mind that for both bank transfers via NPP/BPAY -
We do not accept AUD transfers via 3rd party payments processing companies (e.g. Western Union, Wise), the deposits must be initiated directly from your bank accounts
Only AUD transfers from bank accounts bearing the same name as you used to register Crypto.com App will be accepted.
AUD transfers must be funded by a debit-based account. Please note that Crypto.com does not allow bank transfers sent from credit accounts or from third parties.
New Payment Platform (NPP)
You can access the NPP network via your bank’s web portal or mobile application. Once you have logged in, you can proceed with the deposit using the following information:
PayID | |
Customer Reference Number | Your unique reference number is located in the AUD wallet > Deposit screen |
Please remember to include your customer reference number on all reference/description fields in your payment instruction. This is the only way our team can identify and verify your deposit. Funds might be lost if the unique reference number is missing.
Different banks have different reference fields on their internet banking but to be safe please include your customer reference number on all available fields
Some banks require your unique reference number in both a "Description" and "Reference" fields. Please contact your bank for more details.
BPAY
You can access BPay via Osko App or your bank’s web portal. Once you have logged in, you can proceed with the deposit using the following information:
Biller Code | 800185 |
Customer Reference Number | Your unique reference number is located in the AUD wallet > Deposit screen |
Please remember to include your customer reference number on all reference/description fields in your payment instruction. This is the only way our team can identify and verify your deposit. Funds might be lost if the unique reference number is missing.
Different banks have different reference fields on their internet banking but to be safe please include your customer reference number on all available fields
Some banks require your unique reference number in both a "Description" and "Reference" fields. Please contact your bank for more details.
What are the deposit limits and processing time?
There are deposit restrictions imposed by different payment channels:
Channel | Per Deposit / Daily Limit | Monthly Limit | Processing time |
NPP | Min per deposit: $20 AUD Max: $1,000,000 AUD | No limit | 1-4 business days |
BPAY | Min per deposit: $50 AUD Max: $10,000 AUD | Max: $300,000 AUD | 3-5 business days |
Troubleshooting
There are a few things to remember when making a bank transfer to your Crypto.com App:
Your Named Account: We can only accept transfers from bank accounts opened under your own name. 3rd party transfers (e.g. payments from your customers, salary transferred by your employer, etc.) will not be accepted. Specifically, we will not accept transfers from crypto exchanges (e.g. Kraken, Bittrex, etc.).
Processing Time: Although BPAY and NPP offer seamless fund transfer experiences, please take note that the transfer processing times for both channels are quite different. NPP requires 1-4 business days and BPAY requires 3-5 business days for the funds to arrive in your account, especially if you’re transferring money to your app for the first time.
If you don’t see the funds in your app by that time, please email our support at [email protected] or use the in-app/website chat (you can find it in the Settings section).Common Issues: The most common reasons for your transfer being on hold are:
the name of your bank account does not fully match your name on our record
you sent the funds from a joint account
your transfer was not made from a bank, but a payments processing company (e.g. Western Union, Wise, etc.)
your transfer was not an AUD NPP/BPAY transfer or came from an unsupported institution (e.g. a crypto exchange)
When contacting our support, please be ready to provide us with supporting documents (e.g. a bank statement) showing your full name, the bank account you made the transfer from, and - ideally - the transaction itself.
Although NPP/BPAY transfers are free, your bank may charge you fees. Please check with your bank before proceeding.