How long does it take for transfers to reach my account or my recipient?
It depends on the rail used. Stablecoin transfers run 24/7 and usually complete within an hour. Bank transfers (ACH and wire) follow US banking hours and have daily cut-off times.
Cut-off times are the daily deadlines set by the US banking system, which processes transactions in batches. A transfer sent after the cut-off is processed on the next banking day.
All times below are Eastern Time (ET). Business days are Monday to Friday, excluding US banking holidays.
Transfer type | Cut-off (ET) | Expected arrival | Contact support if not received |
Same Day ACH | 9:30 AM, 1:45 PM, 2:30 PM | 1:00 PM, 5:00 PM or 6:00 PM the same day | By the next business day |
ACH | 4:45 PM | 8:30 AM the next business day | By the end of the next business day |
Wire | 4:45 PM | Up to 2 hours after sending | By the next business day |
Stablecoins | No cut-off, 24/7 | Up to 30 minutes (USDT up to 60 minutes) | After 1 hour |
These times apply to transfers you send and receive.
Things to keep in mind
Business days only: ACH and wire transfers are processed on business days only. Transfers initiated after the applicable cutoff time, or on weekends or bank holidays, will be processed on the next business day.
USDT transfers: USDT transfers may take up to 60 minutes because they are converted at the current market rate before being sent.
Additional reviews: In some cases, transfers may require additional review, which can add up to 2 business hours to processing time.
Large transfers: Transfers over $500,000 may require up to 1 additional hour to process.
What should I provide if I haven't received a transfer?
If your transfer hasn't arrived after the expected settlement time (including the additional waiting period), ask the sender for the transfer confirmation from their bank and share it with our Support team.
ACH: Sender's name, date and time sent, amount, and the ACH trace number or Federal Reserve report.
Wire: Sender's name, sending bank, date and time sent, amount, and the IMAD or OMAD reference number.
Stablecoins: Transaction hash (TxID), network, token, amount, and the sending wallet address.