How long do deposits and withdrawals take?
Here’s what to expect for transfer timing:
- ACH Deposits: Processed same business day if submitted before 4:00 PM ET
- ACH Withdrawals: Processed same business day if submitted before 4:00 PM ET; funds arrive in your bank account within 1–2 business days
- Wire Transfers: Usually arrive the same or next business day
- Direct Deposit: Posted as soon as they are received (if you don't see it in your account, we haven't received it yet)
- Crypto Transfers (in or out): Typically same day, often within minutes/hours
Keep in mind: Cash transfers are not processed on weekends or federal holidays.
Below is a more comprehensive breakdown:
| Type | Timing | Additional Information |
|---|---|---|
| USD via ACH | 1 business day | Processed the same business day if submitted before 4:00 PM ET. Submissions after 4:00 PM ET are processed the next business day. |
| USD via Wire | Same business day | Processing time varies by bank; funds are generally credited within 1 business day. |
| Crypto: BTC | 3 confirmations | Typically 30–60 minutes, depending on network activity and fees. |
| Crypto: ETH, USDC, PAXG | 12 confirmations | Typically 5–15 minutes, depending on network activity and fees. ERC-20 withdrawals are processed as smart contracts — confirm your destination wallet supports smart contract deposits to avoid delays or loss of funds. |
Crypto: SOL |
32 slots |
Typically 5–15 minutes, depending on network activity and fees. |
Crypto: DOGE |
6 confirmations |
Typically 5–15 minutes, depending on network activity and fees. In some scenarios, withdrawals may take up to 1 business day. |
Crypto: SUI |
1 confirmation |
Typically 5–15 minutes, depending on network activity and fees. In some scenarios, withdrawals may take up to 1 business day. |
Crypto: AVAX |
12 confirmations |
Typically 5–15 minutes, depending on network activity and fees. In some scenarios, withdrawals may take up to 1 business day. |
Crypto: BNB |
12 confirmations |
Typically 5–15 minutes, depending on network activity and fees. In some scenarios, withdrawals may take up to 1 business day. |
Crypto: XLM |
1 confirmation |
Typically 5–15 minutes, depending on network activity and fees. In some scenarios, withdrawals may take up to 1 business day. |
Please ensure you are sending only supported assets using compatible networks per What networks does GalaxyOne support?