How do I deposit USD with Bank transfer (ACH)?

You can complete a USD deposit from your bank account to your OKX account using an ACH bank transfer. This payment method is currently only offered to our U.S. users who have completed verification and reside in eligible states. To initiate a transfer, you'll need to link your bank account via our trusted partner, Plaid. Once you've submitted your ACH deposit request, you can start trading immediately.

How do I make a cash deposit?

On the web

1. Log in to your account on app.okx.com, go to Assets, and select Deposit > US Dollar to initiate a cash deposit

2. Select Bank transfer (ACH) and Add account to link your bank account via our trusted partners, such as Plaid, which securely connects your bank account to OKX, making it easy to fund your account

   

   Select Bank transfer (ACH) option to begin a cash deposit

   

   Add your account via Plaid

3. After linking your account, you'll see the success page below confirming that your account has been added

4. Input your preferred amount, then select Preview

   

   Input the amount you'd like to deposit and preview your deposit order

5. Select Submit to initiate a Bank transfer (ACH) deposit

   

   Select Submit to initiate your Bank transfer (ACH) deposit

6. Funds are available for trading immediately after the depposit is completed

   

   Funds are available for trading immediately

On the app

1. Open your OKX app, select Transfer, then Deposit

   

   Select Transfer from the homepage

2. Select Bank transfer (ACH) and Add account to link your bank account via our trusted partner, Plaid, which securely connects your bank account to OKX, making it easy to fund your account

   

   Select Bank transfer (ACH) option to kickstart cash deposit

   

   Select add a bank account

   

   Select Continue to add your account via Plaid

3. After linking your account, you'll see the success page below confirming that your account has been added

   

   Successfully linked with OKX via Plaid

4. Input your preferred amount, then select Preview

   

   Input your deposit amount and select preview

5. Select Submit to initiate a Bank transfer (ACH) deposit

   

   Select Submit to initiate your Bank transfer (ACH)

6. Funds are available for trading immediately after the depposit is completed

   

   Funds are available for trading immediately

Note:

• Make sure the name on your OKX account matches the name on your bank account for a smooth deposit transaction

How do I check when the deposited funds can be withdrawn?

When you deposit funds via bank transfer (ACH), the amount will be available for you to trade immediately. However, please note that these funds may be temporarily unavailable for withdrawal.

This's because there is a security hold placed on ACH deposits to allow time for transaction verification and fraud prevention. The hold ensures the bank transfer is fully cleared and secure before the funds can be withdrawn.

Once the verification is complete, the hold will be lifted, and the funds will become available for withdrawal.

Understand the security hold before continuing the transaction

You can check when your funds will be available for withdrawal by viewing the deposit details after completing your cash deposit. Simply navigate to Portfolio > select USD, then find the specific transaction to access the deposit page.

You will find a more detailed timeline after you click the info icon beside "Available to withdraw"

FAQ

1. How long does it take for an ACH bank transfer to complete?

After you initiate an ACH deposit, you can start trading immediately.

2. Why am I not able to see the "Deposit USD" feature?

To comply with local laws and regulations, USD deposits are only available to customers who have passed verification and who reside in eligible states within the U.S.

3. Why am I only able to select certain payment method types?

To comply with local laws and regulations, the payment methods available to you on your account will be limited to those that are appropriate based on the identity verification documents you provided while completing identity verification on OKX.

4. Why am I encountering a "Cash deposit unavailable" message?

This means that cash payment services aren't currently available in your region. You can refer to this article for more details and we'll keep you updated on any regional expansions.

5. Why do I need to verify my identity before making a deposit?

We ask you to verify your identity to follow local regulations, keep our platform secure, and help determine the best payment methods for your region.

6. How do I check my cash deposit history?

You can review your deposit history on the cash deposit page under All deposits.

Web: Find your deposit history under All deposits

App: Find your deposit history on portfolio page

7. I keep receiving errors when I am trying to add an account or start a bank transfer. What should I do?

There could be many reasons why you receive an error code. But don't worry, we got you covered. If you encounter any errors, please contact our customer support team. We recommend you take a screenshot when this happens and send it to our team so we can better assist you.

8. How do I check my remaining limits?

You can select the information icon to check your remaining limits.

App: Select the info icon to check your remaining limits