Payment Methods for US Customers

There are several types of payment methods that you can link to your Coinbase account:

  Best for Buy Sell Deposit Withdraw Speed
Bank Account (ACH) Large and small investments 4-5 business days
Debit Card Small investments Instant
Wire Transfer Large investments 1-3 business days

To link a payment method:
  1. Navigate to Linked Accounts on web or select Settings > Linked Accounts on mobile
  2. Select Link a New Account
  3. Select the type of account you want to link
  4. Follow the instructions to complete verification depending on the type of account being linked:

Please note: Coinbase currently does not accept physical checks nor bill pay as a payment method to purchase cryptocurrency or to deposit funds into a user’s fiat wallet.  Checks will be returned to sender upon receipt via mail, provided a mailing address is present.

Bank Account

Instant verification

Most banks can be linked instantly and securely by providing your online banking username and password when requested. Additional security questions (as well as a PIN) may be required as well depending on your bank's security procedures. 

To link your bank account:

  1. Visit your Linked Accounts page
  2. Select Link a New Account, select Bank Account, and select continue. You will be presented with a screen where bank logos are displayed
  3. Type in the name of the bank account you would like to link
  4. Enter your bank's login credentials 
Once completed, your bank account will be instantly linked and available to use.

Deposit verification

Alternatively, you may manually link your bank account using our deposit verification process. 

To manually link your bank account:

  1. Visit your Linked Accounts page
  2. Select Link a New Account, select Bank Account, select continue. You will be presented with a screen where bank logos are displayed
  3. Scroll down to Don't see your banks? Search instead
  4. Searching for a non-listed bank will display Don't see your bank? at the bottom of the prompt. Select Link your bank manually
  5. A new prompt will appear. Select Get Started
  6. You will be asked for your bank's routing number, your bank account number, the name on the bank account, and the type of account being linked (Checking or Savings). Enter your banking details and full name then select Verify Account
    • Note that the name on the linked bank account must match the verified name on your Coinbase account.

The deposit verification procedure will initiate two small test deposits to your account. Only enter the cent portion of the amounts. For example if the amounts on your bank statement are $1.10 and $1.20, enter:

  • 10
  • 20

Once the deposits have reached your account (generally in 2-3 business days), you can verify the amounts by selecting verify on the Linked Accounts page.

Once done, you can initiate your first buy. You can also use your linked bank account to receive proceeds from Sell orders or withdrawals from your USD Wallet.

For more information on how to use a bank account as a payment method, please visit our help page.

Debit Card

Visa and MasterCard debit cards can be used to buy using Coinbase. We're unable to support prepaid cards or other cards without an associated billing address.

In most cases, photo ID verification is required before adding a card.

To link a debit card:

  1. Go to Settings and select the Linked Accounts tab
  2. Select Link a New Account
  3. Select Debit Card
  4. Provide your card information (two small, temporary debits will be applied to your card)
  5. Go to your card's online statement and find the two temporary debits 
  6. Enter those amounts on Coinbase to complete adding and verifying your card

​You can now make a purchase by selecting your card on the payment methods menu on the Buy page. Please note that it is not possible to sell cryptocurrency and have the proceeds deposited to a card. 

Note: Coinbase no longer supports linking new credit cards and some card issuers are blocking cryptocurrency purchases with existing credit cards. If you have a credit card linked already, your bank may charge additional fees for Coinbase credit card purchases. We encourage affected customers to switch to a debit card or linked bank account instead.

Bank Wire

Wire deposits into Coinbase

Coinbase accepts wire deposits if:

  • The name on the bank wire matches the legal name on your Coinbase account 
  • The wire is sent from a US bank account 
  • Your reference code or Coinbase virtual account number is correct


To deposit using a bank wire:
  1. Select the Portfolio tab
  2. Select your USD wallet
  3. Select Deposit 
  4. Select Wire Transfer from the menu
  5. Follow the information displayed*
*You will be given a reference code or a virtual account number (VAN).

Please don’t send an overnight or next day ACH. Only bank wires (FedWire) are supported at this time.

After the deposit has cleared, the funds will be available in your USD wallet (Coinbase and Coinbase Pro have separate wallets).

Wire withdrawals from Coinbase

Once you complete the verification steps to activate a USD wallet and you’ve verified your wire withdrawal information, you can withdraw funds from your USD wallet via bank wire.

To verify your wire withdrawal information, go to this page, select Link a New Account, then select Wire Transfer. Enter the required bank account information and your bank will be added successfully.

To withdraw using bank wire:

  1. Select your USD wallet on the left side menu of the Portfolio page
  2. Select Withdraw
  3. In the To field, select bank wire
  4. Confirm the amount and select Withdraw

​Wired funds will typically appear in your account within 2-3 business days.

*Please contact Coinbase support if you have any issues with your wire. Do not contact our partner banks, they will be unable to assist you as your account is managed by Coinbase. 


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