How to Withdraw Money From Crypto.com to a Bank or Wallet
Aurika6 min read
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Summary: To withdraw money from Crypto.com to a bank account, sell your crypto into your Fiat Wallet in the Crypto.com app, then choose Transfer, Withdraw and your bank (ACH in the US, SEPA in Europe, FPS in the UK). Fiat withdrawals only work in the app, your bank account must be in the same name as your Crypto.com account, and transfers usually land in one to two business days. To move crypto instead, withdraw it to an external wallet address, paying a network fee per coin.
- Cash withdrawals happen in the Crypto.com app, not on the Exchange website.
- Sell crypto to your Fiat Wallet first, then withdraw to a bank in your own name.
- Crypto withdrawals to another wallet carry a fee that depends on the coin and network.
- Pending or failed withdrawals are usually down to verification, name mismatch or limits.
Can You Withdraw Money From Crypto.com?
Yes. You can withdraw money from Crypto.com to a bank account in your name, or withdraw crypto to another wallet or exchange. The cash route has two steps: first sell crypto for fiat currency, then send that fiat to your bank. Both steps happen in the Crypto.com app.
If your funds sit on the Crypto.com Exchange, the web trading platform, transfer them to the app first. Fiat withdrawals to a bank are only handled in the app.
How to Withdraw Money From Crypto.com to a Bank Account
Step 1: Sell crypto into your Fiat Wallet
- Open the Crypto.com app and go to your Crypto Wallet.
- Pick the coin, tap Sell and choose your Fiat Wallet (USD, EUR, GBP and so on) as the destination.
- Confirm the amount and the rate shown.
Step 2: Withdraw from your Fiat Wallet to the bank
- Open your Fiat Wallet and tap Transfer, then Withdraw.
- Choose Bank Transfer and add your bank account if this is your first withdrawal.
- Enter the amount, review the details and confirm with your passcode.
The name on the bank account has to match the verified name on your Crypto.com account exactly, or the withdrawal will be rejected. For euros, Crypto.com may require a SEPA deposit from the same bank account before it allows a withdrawal to it.
Withdrawal Methods by Region
| Region | Method | Typical timing |
|---|---|---|
| United States | ACH bank transfer | 1 to 3 business days |
| Europe | SEPA transfer in EUR | Often same or next business day |
| United Kingdom | Faster Payments in GBP | Often within hours |
| Other countries | SWIFT or local options where supported | Several business days |
Which methods you see depends on your country and verification level. Some regions also offer instant withdrawal to a card for a fee.
Crypto.com Withdrawal Fees
Fees depend on what you withdraw and how. Fiat bank withdrawals through ACH are generally free from Crypto.com's side, while SEPA and SWIFT can carry a small fixed fee, and your own bank may charge to receive international transfers. Crypto withdrawals to an external wallet carry a network fee per coin, such as a set amount of BTC for a bitcoin withdrawal, and the fee changes with the network you choose.
The exact fee always appears on the confirmation screen before you approve, so check it there rather than relying on old fee lists. Withdrawing small amounts often makes the fixed fee a large share of the total.
How to Withdraw Crypto From Crypto.com to Another Wallet
- In the app, open your Crypto Wallet and tap Transfer, then Withdraw, then External Wallet.
- Choose the coin and the network, and add the destination address to your whitelist.
- Enter the amount, check the fee and confirm.
Newly whitelisted addresses can be locked for a short period as a security measure. Always pick the same network on both sides, since sending a coin over the wrong network can lose it. Our guide on how to send crypto to another wallet covers networks and test transactions. For long-term storage, a hardware wallet such as Ledger keeps the keys off the exchange.
Skip the Bank: Spend Crypto Directly
Withdrawing to a bank takes two steps, a few days and sometimes a fee. If you plan to spend the money online anyway, you can pay with crypto directly for gift cards at hundreds of stores and skip the cash-out entirely.
Crypto.com Withdrawal Limits and Minimums
Crypto.com sets daily and monthly limits for fiat withdrawals that depend on your currency, method and verification level. Crypto withdrawals have a minimum amount per coin, shown on the withdrawal screen. If you hit a limit, completing a higher level of verification usually raises it.
Why Is My Crypto.com Withdrawal Pending?
A withdrawal pending for longer than expected usually has one of these causes:
- Name mismatch: the bank account holder name differs from your Crypto.com name.
- Security hold: recent password, device or 2FA changes can pause withdrawals.
- Network congestion: busy blockchains slow down crypto withdrawals.
- Bank processing: weekends and holidays delay ACH and SEPA transfers.
If it has been pending beyond the normal timeframe, contact Crypto.com support through the in-app chat. Ignore anyone offering to "unlock" a withdrawal on social media, which is a common scam.
Before you withdraw on public Wi-Fi, consider a VPN such as NordVPN to keep the connection private.
Crypto.com Withdrawal FAQ
How long does a Crypto.com withdrawal take?
Bank withdrawals usually take one to two business days, though ACH can take up to three. Crypto withdrawals take minutes to an hour depending on the network.
Can I withdraw from Crypto.com without KYC?
No. Crypto.com requires identity verification for fiat withdrawals.
Can I withdraw to someone else's bank account?
No. The bank account must be in the same name as your verified Crypto.com account.
Can I withdraw from the Crypto.com Exchange to my bank?
Not directly. Move the funds to the Crypto.com app first, then withdraw from your Fiat Wallet.
Does Crypto.com charge to withdraw to a bank?
It depends on the method. ACH is generally free from Crypto.com's side, while SEPA and SWIFT can carry a fee. The confirmation screen shows the final amount.
What is the cheapest way to cash out?
A domestic bank transfer in your own currency is usually cheapest. Our guide to the cheapest way to convert crypto to cash compares the options across exchanges.
Getting Your Money Out Smoothly
Sell to your Fiat Wallet, withdraw to a bank in your own name, and check the fee on the confirmation screen. Most problems come from name mismatches or recent security changes, so sort those first. If you only need the money for online purchases, get a prepaid virtual Visa card with crypto and skip the bank wait.
