Instant crypto trading with ACH bank transfers
Connect your bank account securely and start trading cryptocurrency in a few minutes.
Why Choose ACH on CEX.IO?
Trade Instantly
Start trading immediately after depositing. Your funds are available for trading, converting, and using other CEX.IO products right away
Bank-Level Security
We never see or store your banking credentials — your information stays protected end-to-end. ACH transfers are powered by Plaid.
Cost-Effective Transfers
Enjoy competitive fees compared to card payments and wire transfers. Keep more of your money working for you.
Flexible Limits
Access up to $15,000 in monthly deposits. Your daily limits grow with your account verification and activity.
How It Works
Get Started in Three Simple Steps
Connect Your Bank
Link your bank account securely through Plaid in under a minute. Just select your bank, log in, and authorize the connection.
Add Funds or Buy Crypto
Transfer USD to your wallet or purchase cryptocurrency directly using your linked bank account.
Start Trading Immediately
Use your funds right away to trade, convert, or explore CEX.IO products while your transfer settles in the background.
What is ACH?
ACH (Automated Clearing House) is an electronic bank-to-bank payment network widely used in the United States. It allows you to transfer funds directly from your bank account to CEX.IO securely and cost-effectively. ACH is the same trusted system used for direct deposits, bill payments, and other everyday financial transactions.
How do I link my bank account?
Before you can use ACH, you must link your bank account using our secure Plaid integration. For that:
- Navigate to the "Add Funds" section on the CEX.IO website or app.
- Select USD, choose Bank Account (ACH) and click "Connect."
- You'll use Plaid's secure portal to select your bank and log in with your existing credentials.
Can I trade immediately after depositing?
Yes! Funds deposited via ACH are instantly available for trading, converting, and using other CEX.IO products. However, they cannot be withdrawn until the transfer fully clears in 3-5 business days. You'll see exactly when funds become available for withdrawal on your dashboard.
What are my deposit limits?
New users can deposit up to $1,000 daily and $3,000 monthly. Active users enjoy higher limits up to $15,000 per month, while daily limits depend on the verification level. Your limits are displayed in your account dashboard.
Is my banking information secure?
Absolutely. We use Plaid, a trusted financial technology provider with bank-level encryption. CEX.IO never sees or stores your online banking credentials — they're protected end-to-end.
What's the difference between Total Balance and Available for Withdrawal?
When using ACH, your dashboard may show different balance types due to the 3-5 day settlement period. Your Total Balance includes all assets, including pending ACH deposits that you can trade with immediately. Available for Withdrawal shows only funds that have fully settled and can be moved off the platform.
Can I buy crypto directly with ACH?
Yes! You can purchase cryptocurrency directly using your linked bank account. Your crypto is delivered to your wallet instantly, subject to the same withdrawal hold as cash deposits until settlement.
How long does ACH settlement take?
ACH transfers typically settle within 3-5 business days. During this time, you can trade freely, but withdrawals and card transfers will be temporarily restricted for the pending amount.
What happens if I need to withdraw before settlement?
You can withdraw any funds that have already settled. Your dashboard clearly shows your "Available for Withdrawal" amount. Funds currently clearing via ACH will have a temporary hold until the bank transfer completes.
Can I access ACH transfers on CEX.IO?
ACH transfers are available for U.S. customers who completed at least identity verification.
Trading involves risk. Do your own research. Subject to availability in your jurisdiction, terms and conditions apply. All new users need to pass a quick identity verification.