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?

  1. Go to “Fiat Wallet” from Super App Menu Button
  2. Tap on “+ Set Up New Currency” button
  3. Setup AUD
  4. Read and accept the Terms and Conditions for your AUD wallet
  5. Choose your preferred payment channel - NPP or BPAY to see the respective bank transfer details
  6. 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" field. Please contact your bank for more details.

. We will notify you once your bank transfer has been successfully deposited

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 -

  1. We do not accept AUD transfers via 3rd party payments processing companies (e.g. Western Union, TransferWise), the deposits must be initiated directly from your bank accounts
  2. Only AUD transfers from bank accounts bearing the same name as you used to register Crypto.com App will be accepted.
  3. 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:

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" field. 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:

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" field. Please contact your bank for more details.

What are the deposit limits?

There are deposit restrictions imposed by different payment channels:

Troubleshooting

There are a few things to remember when making a bank transfer to your Crypto.com App:

  1. 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.).
  2. Processing Time: Although BPAY and NPP offer seamless fund transfer experience, please take note that the transfer processing time 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).
  3. 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, TransferWise, 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, 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.
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