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How long do wire and ACH transfers take?

Wire transfers can take up to 1 business day. ACH transfers can take 3-7 business days.


More answers about payments & wallets

How long do wire and ACH transfers take?

Wire transfers can take up to 1 business day. ACH transfers can take 3-7 business days.

How long do bitcoin transactions take?

Bitcoin transactions have hundreds to thousands of confirmations from their networks to confirm that they are real transactions. CoinList waits for 6 confirmations to consider the transaction - this can take anywhere from thirty minutes to twelve hours.


How long do ether transactions take?

CoinList waits for 30 confirmations to consider an ETH or ERC-20 transaction final. Although typically this should only take about ~5 minutes,this can take anywhere from five minutes to four hours. You can see the number of confirmations in your CoinList wallet.

Can I fund my wallet or investments using my online exchange wallet?

Yes. 


For withdrawals, you should re-confirm the withdrawal address on both your 3rd party exchange wallet and CoinList prior to submitting a withdrawal. Exchanges have various policies for crypto deposits, and the sending addresses don't always match the receiving addresses. We recommend you designate a return address for which you hold the private keys. CoinList is not responsible for transfers being appropriately credited to your account at a 3rd party exchange. 

Can my crypto return address point to an online exchange?

No, your crypto return address cannot point to an online exchange. Your crypto return address must be tied to a wallet for which you hold the private keys. 


Note that you can, however, fund an investment using your online exchange wallet.



How do I fund my CoinList wallet?

U.S. residents may deposit USD via ACH or wire. Simply click “deposit” from inside your USD wallet. In order to deposit via ACH you will have to link your bank account with Plaid. 


U.S. and foreign residents may deposit USD via wire. Simply click deposit from inside your USD wallet. 


U.S. and foreign residents may deposit via crypto. Simply click deposit from inside the appropriate crypto wallet. 


Are there deposit and withdrawal fees?

Other than as set forth below, CoinList does not charge fees associated with withdrawing or depositing crypto. However, the applicable network may charge transfer fees, which are not paid to CoinList or the custodian. 


CoinList Markets does not charge for ACH transfers or crypto transfers.


CoinList charges $10 per outgoing U.S. wire and $30 per outgoing foreign wire.

CoinList does not charge for incoming wires. 


If an incoming wire cannot be matched to your name, we will not attempt to return the wire if the amount is less than $10 for US bank accounts or $30 international bank accounts. Please contact customer support, if you believe a wire has not been properly credited to your account.

What's a wallet?

In general, a wallet is a program that enables users to send and receive digital currency and track their balances and transactions. They also store important security information: your public and private keys. There are several types of wallets: Hardware, Software, and Online. Hardware wallets store a user's private keys on a hardware device like a USB. Trezor and Ledger are popular hardware wallet brands. Software wallets run as an app on your phone or desktop. Online wallets run in the cloud and are accessible from any computer or smartphone in any location. 


CoinList offers online wallets. 


We also use the term "wallet" to describe your U.S. dollar account.