World's largest crypto exchange by volume. Wide range of coins.
KYC verification: 1-3 days
Available in: UK, AU, FR, DE, IT, ES
US traders wanting low fees and wide coin selection via Binance.US
ACH takes 1-3 days and first-time deposits often trigger extra verification
Primary ACH Transfer
ACH takes 1-3 business days. Wire transfers can arrive same day if sent before cutoff.
⚠ Bank link fails during ACH setup due to identity or account type mismatch
⚠ Name mismatch between bank account and Binance.US account can delay or block funding
Trading Fees
0.1-0.6% maker/taker
Deposit Fees
Free for ACH, $10-30 for wire
ACH bank link keeps failing
This usually happens when account details don't match exactly or your account type isn't supported. Try using a different primary checking account and ensure your name matches your Binance.US verification.
ACH deposit pending for days
ACH transfers take 1-3 business days. First deposits may take longer due to security verification. If it's been more than 5 business days, contact Binance.US support.
Wire transfer not credited
Wire deposits require exact beneficiary details and reference codes. Double-check all details match what Binance.US provided. Contact your bank to confirm the wire was sent successfully.
Debit card payment declined
Many US banks block card purchases to crypto exchanges. Use ACH bank transfer instead for more reliable deposits.
Binance is not available in Canada
Binance exited Canada in May 2023 due to new regulatory requirements. Existing users can only withdraw funds. For new crypto purchases, consider Canadian-regulated alternatives like Kraken, Bitbuy, or Shakepay.
Active traders wanting low fees and deep liquidity with instant Osko deposits
Osko deposits arrive instantly, but first-time transfers may trigger bank verification
Primary Osko/PayID
Osko deposits are usually instant. Card deposits are instant but can be declined by bank risk controls.
⚠ Osko deposits can fail if the payee details are wrong or if the bank flags the transfer
⚠ Card deposits can be blocked by bank fraud controls or 3DS failures
AUSTRAC DCE Registered
Last verified: 2025-01-15 · View source
Trading Fees
0.1% maker/taker
Deposit Fees
Free for bank transfers
Withdrawal Fees
Network fees apply for crypto
My Osko transfer is pending after 24 hours
Contact your bank to verify the payment was sent. If using a non-Osko rail, transfers can take 1-2 business days. Ensure the reference code matches exactly.
Binance says my deposit reference is incorrect
The reference code must be copied exactly from Binance. Do not add spaces or your name. Re-copy the code and try again. Without the correct reference, deposits require manual reconciliation.
My bank blocked the transfer
Some Australian banks flag crypto transfers on first attempt. Contact your bank to authorize the payment. Commonwealth Bank and Westpac are known to sometimes block initial transfers.
Card payment was declined
Australian banks often block debit card purchases to crypto exchanges. Use Osko bank transfer instead for reliable deposits.
Experienced traders comfortable with Binance's interface who can use Faster Payments
Faster Payments works but some UK banks have blocked transfers to Binance in the past
Primary Faster Payments
Faster Payments is often near-instant. Card deposits are instant but more likely to be declined by banks.
⚠ Some UK banks decline card payments to crypto exchanges even when the card is valid
⚠ FPS deposits can be delayed if the beneficiary is newly added or flagged as higher risk
Operating
Last verified: 2025-01-15 · View source
Trading Fees
0.1% maker/taker
Deposit Fees
Free for Faster Payments
My Faster Payments transfer was rejected
Some UK banks block transfers to Binance. Try a different bank or use a crypto-friendly challenger bank like Monzo or Starling.
Transfer pending for hours
Faster Payments should arrive within minutes. If delayed, contact your bank to check the payment status. First-time transfers to a new payee may trigger extra security checks.
Card payment declined
UK banks frequently decline card purchases to crypto exchanges. Use Faster Payments bank transfer instead for more reliable deposits.
Deposit reference missing
Without the correct reference, Binance cannot automatically credit your account. Contact Binance support with your transaction details and bank statement.
German traders wanting deep liquidity with fast SEPA Instant deposits
SEPA Instant is fast but standard SEPA takes 1-2 business days
Primary SEPA Instant
SEPA Instant is usually within seconds when supported. Standard SEPA can take 1-2 business days.
⚠ Standard SEPA deposits can miss same-day cutoffs and arrive next business day
⚠ Deposits can fail if the IBAN name does not match the Binance account name
Operating
Last verified: 2025-01-15 · View source
Trading Fees
0.1% maker/taker
Deposit Fees
Free for SEPA transfers
My SEPA transfer hasn't arrived
Standard SEPA takes 1-2 business days. SEPA Instant should arrive within minutes. Check with your bank which type was sent. If using standard SEPA, wait until the second business day.
Bank doesn't offer SEPA Instant
Not all German banks support SEPA Instant. N26, DKB, and Comdirect typically support it. Standard SEPA still works but takes longer.
Transfer returned to my account
Usually caused by name mismatch. Your bank account name must exactly match your Binance verified name. Check for any spelling differences or special characters.
Card was declined
Some German banks block crypto card purchases. Use SEPA bank transfer instead for reliable deposits.
French traders wanting AMF-regulated access to a global exchange
SEPA Instant is near-instant, but verify your bank supports it
Primary SEPA Instant
SEPA Instant is usually within seconds when supported. Standard SEPA can take 1-2 business days.
⚠ Some banks apply additional checks for first transfers to crypto exchanges
⚠ Reference mistakes can delay deposit crediting
AMF PSAN Registered
Last verified: 2025-01-15 · View source
Trading Fees
0.1% maker/taker
Deposit Fees
Free for SEPA transfers
SEPA transfer taking longer than expected
Standard SEPA can take 1-2 business days. Ask your bank if they sent it as SEPA Instant. BNP Paribas and Societe Generale typically support SEPA Instant.
Deposit credited wrong amount
Check for any bank fees deducted. Contact Binance support with your transaction receipt showing the amount sent.
Bank questioning the transfer
French banks may ask about crypto transfers due to regulatory oversight. Confirm it's for personal investment purposes. Binance France is AMF registered which may help.
Reference code not accepted
Copy the reference code exactly from Binance. Some bank apps may alter special characters. Try using internet banking instead of mobile app.
Italian traders seeking OAM-registered exchange with deep liquidity
SEPA Instant is preferred, standard SEPA adds 1-2 day delay
Primary SEPA Instant
SEPA Instant is usually within seconds when supported. Standard SEPA can take 1-2 business days.
⚠ SEPA transfers can be delayed if the beneficiary is newly added in the bank app
⚠ Deposits can be held if the sender name does not match the Binance account name
OAM VASP Registered
Last verified: 2025-01-15 · View source
Trading Fees
0.1% maker/taker
Deposit Fees
Free for SEPA transfers
My SEPA deposit hasn't arrived
Standard SEPA takes 1-2 business days. Confirm with your bank whether SEPA Instant was used. Intesa Sanpaolo and UniCredit typically support SEPA Instant.
Transfer was returned
Name on your bank account must match your Binance account exactly. Check for any differences including middle names or special characters.
Card purchase declined
Italian banks often block crypto card purchases. Use SEPA bank transfer instead for reliable deposits.
Bank blocking new beneficiary
Some Italian banks require you to approve new beneficiaries before sending. Check your bank app for any pending approvals.
Spanish traders wanting a Bank of Spain registered exchange
Use SEPA Instant for same-day deposits, standard SEPA adds delay
Primary SEPA Instant
SEPA Instant is usually within seconds when supported. Standard SEPA can take 1-2 business days.
⚠ Deposits can be delayed if SEPA cutoffs are missed
⚠ Reference errors can delay crediting
Bank of Spain VASP Registered
Last verified: 2025-01-15 · View source
Trading Fees
0.1% maker/taker
Deposit Fees
Free for SEPA transfers
Bank transfer not arriving
Standard SEPA takes 1-2 business days. Ask your bank about SEPA Instant availability. CaixaBank and Santander typically support SEPA Instant.
Bank blocked the transfer
Some Spanish banks restrict crypto transfers. Contact your bank to authorize the payment or try a different bank.
Card payment failed
Card purchases to crypto exchanges are often blocked by Spanish banks. Use SEPA transfer instead for reliable deposits.
Reference code not working
Copy the reference exactly from Binance including any numbers or letters. Do not add your name or other information.
Binance supports faster-payments, osko, bank-transfer, sepa, sepa-instant for deposits.
Binance typically completes KYC verification in 1-3 days.
Binance is available in UK, AU, FR, DE, IT, ES.