Crypto

3 min read

March 15, 2024

Why is Coinbase holding my funds?

Coinbase enforces a 7-10 day holding period on crypto and cash withdrawals. Here's everything you need to know about why they do it.

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Coinbase doesn’t allow you to withdraw crypto to your wallet or send your cash out for a holding period of 7-10 days (this number could be longer or shorter). They enforce this holding when you fund your Coinbase account via a linked bank account (ACH). Coinbase claims that this holding period is standard policy to prevent fraud.

Funds available to send or cash out in 8 days

How long is the Coinbase holding period?

Coinbase usually enforces this holding period until the ACH transaction from your linked bank account settles, but it could be longer based on many factors as they’ve mentioned in their FAQ page about holding periods:


Hold periods are based on many factors, such as account history, payment activity, and transaction history.

- Coinbase FAQ

During this holding period, you will be able to buy or sell cryptocurrency within the Coinbase platform but you will not have access to anything onchain - including numerous coins, DeFi protocols, and NFTs that are not available on Coinbase.

Am I the only one facing this holding period?

No. Coinbase enforces this holding period for almost all their users depending on the funding method and account history, a.k.a their risk factors.

How can I avoid Coinbase’s holding period?

The fastest way to avoid the holding period is to buy crypto or fund your Coinbase account via debit card. However, the debit card fees are high and the limits for purchases are low, which means you can only buy small amounts of crypto at high fees.

Instead, you can use Juno to get onchain faster. Fund your account via an external ACH or Cash App or Venmo, buy crypto, and withdraw the crypto to your wallet instantly. The core mission of Juno is to help Americans get onchain faster in an easy-to-use, trusted, and compliant manner.

Does this resonate with you? Try out Juno.


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Juno (CapitalJ Inc.) is a financial technology company, not a bank. Certain services are offered through Synapse Financial Technologies, Inc. and its affiliates (“Synapse”). Brokerage accounts and cash management programs are provided through Synapse Brokerage LLC (“Synapse Brokerage”), an SEC-registered broker-dealer and member of FINRA and SIPC. Additional information about Synapse Brokerage can be found on FINRA’s BrokerCheck. See Synapse Terms of Service, Privacy Policy, and the applicable disclosures and agreements available in Synapse’s Disclosure Library for more information. The Partner Financial Institution(s) participating in a Synapse cash management program are referred to in your Synapse Brokerage Customer Agreement.

Digital Asset services are provided by Zero Hash, which is not affiliated with Juno or Synapse. Digital Assets are highly speculative in nature, involve a high degree of risk and can rapidly and significantly decrease in value. It is reasonably possible for the value of Digital Assets to decrease to zero or near zero. Digital Assets held in your Zero Hash account are not protected by FDIC insurance or any other government-backed or third party insurance.

The Juno card is issued by Evolve Bank & Trust, Member FDIC, pursuant to license by Mastercard International.

© Copyright 2024 Juno by CapitalJ, Inc

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