Standard domestic bank transfer. Widely supported.
Transfer speed: 1-3 business days
Available in: US, UK, AU
Coinbase, Kraken, Binance, Gemini, and Crypto.com all support some form of bank transfer funding, but the rail changes by country (ACH in the US, Faster Payments in the UK, SEPA in Europe). Always pick the country-specific bank transfer option inside the deposit screen.
Trade availability generally starts once the deposit is credited, but "credited" can mean minutes (instant rails) or a few business days (standard transfers). Some exchanges allow trading quickly but restrict withdrawals until the transfer fully clears.
Limits are mostly driven by your exchange verification level and account history, not your bank. Gemini documents different limits by verification tier, and Kraken applies different conditions depending on funding method and profile.
Wrong reference code, sending from a third-party account, and sending from a business account when the exchange expects personal funding are the usual causes. If the beneficiary name or bank details differ from what the exchange issued, the transfer can bounce or go to manual review.
Bank transfers are cheaper and more reliable long-term, but slower and sometimes tied to withdrawal holds. Cards are instant but cost more and are more likely to be blocked or coded as cash advances, depending on your bank and region.