Coinbase generally makes your funds available in your account as soon as payments clear. Since Coinbase partners with various payment service providers in different geographic regions, the timing will vary according to your location and payment method used.
You can see the delivery time of your orders at any time by clicking on the specific order on your history page.
Which brings us to the funds on hold section with regards to Coinbase. When you purchase cryptocurrencies with deposits, the deposits can be from a wire transfer or a debit card – these are the funds on hold. Another scenario about funds on hold is that they are currency value of fiat of your bank deposit. There is the DEPOSIT/WITHDRAW buttons on the UI. You can see the buttons on the right of this page after logging. In the prompt after clicking DEPOSIT, choose the currency you want the test money in, then choose Coinbase.com as the source.
US Customers
Purchases made using a debit card or the USD wallet are made available instantly.
When using bank transfers, the ACH bank transfer system is used for payments with your bank account. The ACH bank transfer system typically takes 3-5 business days* (which may be as many as 7-10 calendar days, depending on the timing of weekends and other bank holidays) to complete after initiating a purchase. The timing will be displayed prior to confirming your order.
You may see the funds immediately debited from your bank account when you initiate the transfer, but the funds will not be transferred to your wallet until your payment has finished moving between the banks and clears in our bank account.
After the banks have processed the transfer, the funds enter our system and you will see the money in your account sometime before the end of the estimated delivery day. This date is shown on the confirmation window when placing your order and can be located in the order confirmation email you received from us. End of the day is considered 11:59 PM PST.
Some customers may be eligible for instant bank purchases for their account.
European Customers
Since your local currency is stored within your Coinbase Fiat Wallet account, all standard purchases, as well as those made with a debit card, occur instantly. Deposits to your EUR Wallet using SEPA transfers can take up to 2-3 business days to complete.
United Kingdom Customers
Since your local currency is stored within your Coinbase Fiat Wallet account, all standard purchases, as well as those made with a debit card, occur instantly. Deposits to your GBP Wallet using GBP bank transfers (Faster Payments) normally complete within 1 business day.
Canadian and Australian Customers
For Canadian and Australian customers, purchases made using debit cards are available instantly.
*Your transaction details will always show the expected completion date of your order taking all these factors into account.
What's the difference?
Account levels can unlock additional features within your Coinbase account, including sending and receiving cryptocurrency. Some features may require additional document verification or information provided by you to verify your identity.
Purchase or deposit limits are determined by many factors, including verification completed on your account, your purchase history, your payment type, and more.
What are my limits? How do I view them?
Your limits are displayed on the Account limits section of your Settings. Purchase and deposit limits will be different depending on your region and payment method type.
For US customers, if you’re looking to deposit more than the maximum $25,000 a day ACH limit, one option is to complete a wire transfer from your bank account to your Coinbase account. You can view instructions for how to wire funds here.
How do I increase my account level?
You can see your current level and how to increase it by heading to the Account limits section of your Settings. Depending on your current level, you can follow these quick steps to increase your account level:
Verify phone number
Verify personal information
Verify photo ID (valid state ID for US customers)
What about withdrawal limits?
In general, Coinbase does not limit how much crypto you can sell to your Coinbase fiat wallet (USD, GBP, EUR, etc). Withdrawing from Coinbase will be dependent on the payment method you are using to withdraw.
How To Deposit Money From Bank To Coinbase
For US customers, you will need to have a positive available balance to withdraw. For more information on your available balance, see our FAQ here.
How To Deposit Money On Coinbase Canada
For Coinbase Pro users, you can view your Coinbase Pro limits here.