The Instant Deposit feature credits you with the deposit amount before the funds are settled, so you no longer have to wait to start buying crypto. After you initiate an Instant Deposit, you will receive the funds within 30 minutes.

Standard ACH and wire transfers are initiated from your banking app, whereas Instant Deposit is initiated directly from the Crypto.com App.

Standard ACH and wire transfers can take several business days to settle into your account and be used. With Instant Deposits, you can use the funds within minutes after initiating the deposit, although you will be restricted from withdrawing funds for 7 business days

You will first have to link your bank account using Plaid, before being able to make an instant deposit. Plaid is an easy and secure way to link your bank account to crypto.com

Please note that your bank account name must be the same as the name that’s associated with your Crypto.com App account.

Important Note: Once an Instant deposit has been initiated, it cannot be canceled.

Daily Maximum per card tier (24-hour rolling)

Monthly Maximum per card tier (30-day rolling)

Pending Balance is your deposited funds, via instant deposit, that have not settled yet, as it takes up to 7 business days. Crypto.com provides you with these funds after you initiate a deposit, so you can start purchasing cryptocurrencies even when they are pending. You can purchase all cryptocurrencies listed in the Crypto.com App with Instant Deposit, and fund Derivatives contracts as well. These include Strike and UpDown Options. For more information on using Instant Deposit to trade Derivatives, please refer to the FAQ here.

You will not be able to withdraw or transfer your funds from Crypto.com app wallets for 7 business days* (day 0 being the day you initiated the deposit) after deposit if you make a cryptocurrency purchase using the Pending Balance. This includes the following withdrawal channels:

*Please note that:

Available Balance is the funds in your USD Account that have settled, and are available to use for crypto purchases and withdrawal.

In cases where you have used your Instant Deposit to purchase cryptocurrency, but the funds failed to settle, the amount will become an Outstanding Balance. Your Instant Deposit likely failed because of insufficient funds in your bank account. Please make sure you have more than the deposit amount in your bank account for at least 7 business days after initiating the deposit (day 1 is next business day after deposit) to prevent any errors due to insufficient funds in your bank account.

Scenario 1 - Available Balance is sufficient to purchase cryptocurrency

Scenario 2 - Available Balance is insufficient to purchase cryptocurrency

When cryptocurrency is purchased using a failed Instant Deposit and there is insufficient balance in your crypto and USD Account, withdrawal is restricted from the entire USD Account until Outstanding Balance is resolved.

You can view your Outstanding Balance by going to USD Account> Instant Deposit > Outstanding Balance. Buying cryptocurrencies will be disabled for you until the Outstanding Balance is settled.

You can resolve your Outstanding Balance by making another deposit from your bank account using ACH Bank Transfer or Wire Bank Transfer. Alternatively you can also sell cryptocurrency into your USD Account.

If you have any questions, please contact us at chat.crypto.com.

Crypto.com has the right to liquidate your assets and lock your account if your Outstanding Balance is not settled for longer than 24 hours. Crypto.com will liquidate crypto assets in the following sequence until all of your outstanding balance in USD is resolved:

For example:

Please reach out to Customer Support if you have any questions.

Please make sure your bank account name is the same as the name that appears on your Crypto.com App KYC documents, which you submitted when registering your account.

You can have a maximum of 5 accounts saved. To add a new one please delete one of your existing linked bank accounts. You can delete a bank account by swiping left on it.

If you have trouble with the Relink button, it might be because you are selecting a different account compared to the original one.

If you continue to have issues, please either use the Add Bank Account button to add a bank account. You can also use the “Edit” button on the right side to delete previously linked bank accounts that have expired and unable to relink. You can have a maximum of 5 accounts saved.

If you have trouble with the Relink button, it might be because you are selecting a different account compared to the original one.

If you continue to have issues, please either use the Add Bank Account button to add a bank account. You can also use the “Edit” button on the right side to delete previously linked bank accounts that have expired and are unable to relink. You can have a maximum of 5 accounts saved.