One of the largest and most trusted cryptocurrency exchanges. Great for beginners.
KYC verification: 1-2 days
Available in: US, UK, AU, FR, DE, IT, ES, CA
US traders wanting simple ACH bank funding with strong regulatory compliance
ACH takes 3-5 days to clear and bank link failures are common, so start with a small test deposit
Primary ACH Transfer
ACH bank transfers typically take 3-5 business days. Fedwire deposits are often credited within 1 business day when sent correctly.
⚠ ACH deposits can show as pending while they clear, and availability for trading or withdrawal can be restricted until completion
⚠ Linking a bank account can fail due to Plaid login issues, bank security prompts, or a name mismatch
Coinbase is registered as a Money Services Business with FinCEN and operates under state level money transmission licensing.
Last verified: 2026-01-15 · View source
Trading Fees
0.00-0.40% maker, 0.05-0.60% taker (volume-based)
Deposit Fees
Free for ACH, wire fees apply
How long does an ACH deposit take on Coinbase?
ACH bank transfers typically take 3-5 business days to complete. Start with a small amount until you see a full successful cycle.
Why can I trade but not withdraw after an ACH deposit?
ACH deposits can take time to fully clear. Coinbase can restrict withdrawals until settlement is complete, even if trading is allowed.
Why won't my bank link with Plaid?
Common causes are bank security prompts, MFA issues, or a mismatch between your bank account owner name and your Coinbase profile. Retry after completing any bank security steps.
When should I use a wire instead of ACH?
Wires can be faster for large deposits when you need predictable timing. Follow the exact wire instructions provided by Coinbase.
UK traders wanting Faster Payments funding with FCA-registered security
Most delays come from name mismatch checks or first-time payee reviews, so verify your bank account and test small first
Primary Faster Payments
Faster Payments deposits typically arrive within 1-3 business days, depending on the route and bank checks.
⚠ GBP deposits can fail when your bank account name does not match your Coinbase account name
⚠ First time payments to a new payee can be delayed by bank fraud checks
CB Payments Ltd is registered with the UK FCA for cryptoasset activities under the Money Laundering Regulations (registration number 900635).
Last verified: 2026-01-15 · View source
Trading Fees
0.00-0.40% maker, 0.05-0.60% taker (volume-based)
Deposit Fees
Faster Payments rails can have listed fees depending on product
How long do GBP Faster Payments deposits take?
Coinbase lists timing as 1-3 business days after you initiate the deposit from your bank.
Why did Coinbase reject my GBP deposit due to name mismatch?
Coinbase checks whether the name on your Coinbase account matches the sending bank account. If they don't match, deposits can fail or be delayed.
Why is my first bank transfer taking longer?
Banks often hold first time transfers to new payees for fraud checks. Add Coinbase as a payee early and complete any in-app security prompts.
What is the cheapest way to fund Coinbase in the UK?
Bank transfers are usually cheaper than card purchases. Use Faster Payments when available.
Australian traders wanting PayID/Osko funding under AUSTRAC-registered entity
Most deposit friction comes from bank-side checks and name match issues, so start with a small test payment
Primary Osko/PayID
Osko/PayID top ups are often fast, but first time payments can be delayed by bank fraud checks.
⚠ First time PayID payments can be delayed by bank fraud checks or beneficiary approval
⚠ Deposits can fail or be reversed if the sending bank account name does not match the verified Coinbase account name
Coinbase Australia is enrolled and registered with AUSTRAC as a Digital Currency Exchange.
Last verified: 2026-01-15 · View source
Trading Fees
0.00-0.40% maker, 0.05-0.60% taker (volume-based)
Deposit Fees
Fiat deposit fees can apply depending on the rail
Why did my PayID top up not arrive on Coinbase?
First time PayID payments can be delayed by bank fraud checks. Confirm your bank released the payment, then allow extra time before retrying.
Why does Coinbase care about name match on deposits?
Banks and exchanges require the sending account name to match your verified account to reduce fraud risk. If you send from a different name, the deposit can be delayed or returned.
Why did my bank block the transfer to Coinbase?
Some banks treat exchange payees as higher risk and require extra approvals. Add Coinbase as a payee, complete any bank security prompts, then retry with a small amount.
Should I use bank transfer instead of card?
Bank transfer is often cheaper and less likely to trigger card decline rules.
Canadian traders wanting fast Interac e-Transfer funding with FINTRAC-registered security
Most delays come from Interac setup issues or EFT name mismatches, so test with a small transfer first
Primary Interac e-Transfer
Interac e-Transfer deposits can take minutes to a few hours. EFT Canada takes 3-5 business days.
⚠ Interac e-Transfer can be delayed if the recipient email or security answer does not match
⚠ EFT deposits require the sending bank name to match your Coinbase verified name
Coinbase is registered as a Money Services Business with FINTRAC (MSB #M22815925).
Last verified: 2026-01-15 · View source
Trading Fees
0.00-0.40% maker, 0.05-0.60% taker (volume-based)
Deposit Fees
Interac e-Transfer may have fees, EFT is typically free
How long does Interac e-Transfer take on Coinbase?
Interac e-Transfer deposits typically arrive within minutes to a few hours. Delays happen with wrong recipient details or security answer mismatches.
Why did my Interac e-Transfer not arrive?
Check that the recipient email and security answer match exactly what Coinbase provided. Contact your bank if the transfer shows as pending.
How long does EFT take on Coinbase?
EFT Canada typically takes 3-5 business days. The sending bank name must match your Coinbase verified name.
Why did my bank block the transfer?
Some Canadian banks flag exchange transfers for review. Add Coinbase as a payee, complete security prompts, and retry with a small amount.
German traders wanting SEPA funding with BaFin-licensed local entity
Most delays come from bank holds and name mismatch checks, so do a small SEPA test transfer first
Primary SEPA Instant
SEPA Instant deposits are typically credited within minutes when supported. Standard SEPA takes 1-3 business days.
⚠ SEPA transfers can be delayed by beneficiary setup steps and bank fraud checks for first-time payments
⚠ Deposits can be delayed or rejected if the sending bank account name does not match your verified Coinbase profile
Coinbase Germany GmbH holds a crypto custody license from BaFin (registration ID 10158674).
Last verified: 2026-01-15 · View source
Trading Fees
0.00-0.40% maker, 0.05-0.60% taker (volume-based)
Deposit Fees
SEPA fees can apply depending on product and route
How long do SEPA deposits take on Coinbase in Germany?
SEPA deposits can take 1-3 business days. SEPA Instant is faster when your bank supports it.
Why is my SEPA transfer delayed even though my bank says sent?
Banks can hold first-time payments or perform extra checks. Double check the beneficiary details and allow the full SEPA window before escalating.
Why did Coinbase receive less EUR than I sent?
Some transfers can involve intermediary fees depending on your bank route. If the credited amount is short, check your bank fee breakdown.
Why did my bank block a transfer to Coinbase?
Some German banks limit exchange payees. Add Coinbase as a beneficiary, complete any security prompts, then retry with a small test transfer.
French traders wanting SEPA funding with AMF-registered security
Most delays come from beneficiary setup and name match checks, so test with a small SEPA transfer first
Primary SEPA Instant
SEPA deposits and withdrawals can take 1-3 business days. SEPA Instant is faster when supported.
⚠ SEPA transfers can be delayed by beneficiary setup steps and bank fraud checks for first-time payments
⚠ Deposits can be delayed or rejected if the sending bank account name does not match your verified Coinbase profile
Coinbase Europe Limited is registered with the AMF as a Digital Asset Service Provider (DASP) (registration number E2023-110).
Last verified: 2026-01-15 · View source
Trading Fees
0.00-0.40% maker, 0.05-0.60% taker (volume-based)
Deposit Fees
SEPA fees can apply depending on product and route
How long do SEPA deposits take on Coinbase in France?
SEPA deposits can take 1-3 business days. Delays are more common on first-time transfers to a new payee.
Why is my SEPA transfer delayed?
French banks can hold first-time payments for fraud checks. Complete any security prompts and allow the full SEPA window.
Why did my deposit fail due to name mismatch?
If the sending bank account name does not match your verified Coinbase profile, the deposit can be delayed or returned.
Why is my card purchase declined?
Declines often come from bank risk rules or failed 3DS checks. Switch to SEPA funding if declines persist.
Italian traders wanting SEPA funding with OAM VASP registration
Most delays come from bank holds and name mismatch checks, test with a small transfer first
Primary SEPA Instant
SEPA deposits can take 1-3 business days. SEPA Instant is faster when your bank supports it.
⚠ SEPA transfers can be delayed by beneficiary setup and bank fraud checks
⚠ Name mismatch between bank account and Coinbase profile can cause deposit failures
Coinbase is approved as a Virtual Asset Service Provider in Italy by OAM.
Last verified: 2026-01-15 · View source
Trading Fees
0.00-0.40% maker, 0.05-0.60% taker (volume-based)
Deposit Fees
SEPA fees can apply depending on product
How long do SEPA deposits take on Coinbase in Italy?
SEPA deposits can take 1-3 business days. SEPA Instant is faster when your bank supports it.
Why is my SEPA transfer delayed?
Italian banks can hold first-time payments for review. Complete any security prompts and allow the full SEPA window.
Why did my deposit fail due to name mismatch?
The sending bank account name must match your verified Coinbase profile. Mismatches cause delays or rejections.
Why is my card purchase declined?
Declines often come from bank risk rules or 3DS checks. Switch to SEPA funding if declines persist.
Spanish traders wanting SEPA funding with Bank of Spain VASP registration
Most delays come from bank holds and name mismatch checks, test with a small transfer first
Primary SEPA Instant
SEPA deposits can take 1-3 business days. SEPA Instant is faster when your bank supports it.
⚠ SEPA transfers can be delayed by beneficiary setup and bank fraud checks
⚠ Name mismatch between bank account and Coinbase profile can cause deposit failures
Coinbase is registered with the Bank of Spain as a Virtual Asset Service Provider.
Last verified: 2026-01-15 · View source
Trading Fees
0.00-0.40% maker, 0.05-0.60% taker (volume-based)
Deposit Fees
SEPA fees can apply depending on product
How long do SEPA deposits take on Coinbase in Spain?
SEPA deposits can take 1-3 business days. SEPA Instant is faster when your bank supports it.
Why is my SEPA transfer delayed?
Spanish banks can hold first-time payments for review. Complete any security prompts and allow the full SEPA window.
Why did my deposit fail due to name mismatch?
The sending bank account name must match your verified Coinbase profile. Mismatches cause delays or rejections.
Why is my card purchase declined?
Declines often come from bank risk rules or 3DS checks. Switch to SEPA funding if declines persist.
Dutch traders wanting instant iDEAL funding with DNB-registered security
iDEAL is fastest and free, start with a small transfer to verify bank compatibility
Primary Ideal
iDEAL deposits are instant. SEPA Instant arrives within seconds when supported. Standard SEPA takes 1-2 business days.
⚠ iDEAL payments can fail if you exceed your daily limit in the banking app
⚠ SEPA transfers are delayed when the reference or beneficiary details do not match
DNB Virtual Currency Provider Registered
Last verified: 2026-02-04 · View source
Trading Fees
0.00-0.40% maker, 0.05-0.60% taker (volume-based)
Deposit Fees
iDEAL is free, SEPA fees may apply depending on product
How long do iDEAL deposits take on Coinbase?
iDEAL deposits are instant. The funds should appear in your Coinbase account within seconds after completing the bank authorization.
Why did my iDEAL payment fail?
iDEAL payments can fail if you exceed your daily limit or if your banking session times out. Check your limit in your banking app and try again.
Why is my SEPA transfer delayed?
Dutch banks can hold first-time payments to new beneficiaries for review. Standard SEPA takes 1-2 business days. SEPA Instant is faster when supported.
Why did my deposit fail due to name mismatch?
The sending bank account name must match your verified Coinbase profile. Mismatches cause delays or rejections.
Users who want a global brand with MAS regulation
Fees higher than some local alternatives
Primary Paynow
PayNow and FAST deposits are instant. Bank transfers take 1-2 business days.
⚠ Interface may differ from other regions
⚠ Reference code errors can delay deposits
MAS Major Payment Institution
Last verified: 2026-02-04 · View source
Trading Fees
0.5-0.6% for simple trades, 0-0.6% for Advanced Trade
Deposit Fees
Free for bank transfers
PayNow deposit not credited
PayNow deposits should be instant. Ensure you used the correct reference code. Check your bank app to confirm the transfer was successful.
Why are fees higher than other exchanges?
Coinbase Simple trades have higher fees. Use Advanced Trade for lower maker/taker fees of 0-0.6%.
Some features not available
Some Coinbase features may be limited in Singapore due to local regulations. Core trading functionality is available.
Coinbase supports ach, wire, faster-payments, osko, debit-card for deposits.
Coinbase typically completes KYC verification in 1-2 days.
Coinbase is available in US, UK, AU, FR, DE, IT, ES, CA and more.