Why does a buy take so long?

Nov 10, 2016
Get your digital currency instantly
Buy digital currency with a credit or debit card or use funds held in your Coinbase USD Wallet, your purchases will be instant, so you'll wait seconds instead of days to receive your digital currency.

US Customers
For US customers, Coinbase uses the ACH bank transfer system for payments with your bank account. The ACH bank transfer system typically takes 3-5 business days to complete after initiating a purchase. Once Coinbase receives the payment and the transaction shows as completed in the History page, digital currency is made available in your account.

Business days
Usually 'business days' means Monday to Friday, 9am - 5pm. Holidays and weekends are not counted as business days. When you place an order in the evening the ACH transfer is not started until the following business day. Your transaction details will always show the expected completion date of your order taking all these factors into account.

ACH transfers usually complete by the end of the business day - 11:59 PM PST as Coinbase is based in San Francisco, CA.


ACH Diagram


Enable instant buy or use funds held in your Coinbase USD Wallet, your purchases will be instant, so you'll wait seconds instead of days to receive your digital currency.


European Customers
Since your local currency is stored within your Coinbase account, all buys and sells occur instantly. For more information on the timing of deposits and withdrawals, please see: How long do international deposits and withdrawals take?

Canadian Customers
For Canadian Customers, purchases made using credit or debit cards are available instantly. For more information, please see: Payment Methods for Canadian Customers.

Singapore Customers
For Singapore Customers, deposits via our payment provider only take a couple of minutes to complete. For more information, please see: Payment Methods for Singapore Customers.

 

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