How do I withdraw USD with Bank transfer (ACH)?
You can complete a USD withdrawal from your OKX account to your bank account. This payment method is currently only offered to our US customers residing in eligible states for cash withdrawal services.
How do I make a USD withdrawal with ACH bank transfer?
On the web
Log in to your account at app.okx.com, go to Assets, and select Withdraw > US Dollar to initiate a cash withdrawal
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) to begin a cash withdrawal
Select Continue to add your account via plaid
After linking your account, you'll see the success page below confirming that your account has been added
Successfully added your account with OKX via Plaid
Input your preferred amount, then select Preview
Input the amount you'd like to withdraw and preview your withdrawal order
Select Withdraw to initiate a Bank transfer (ACH) withdrawal
Select withdraw to initiate your Bank transfer (ACH) withdrawal
On the app
Open your OKX app, select Transfer and then Withdraw
Select Transfer from the homepage
Select USD under Cash
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 begin a cash withdrawal
Select Continue to add your account via Plaid
After linking your account, you'll see the success page below confirming that your account has been added
Successfully added your account with OKX via Plaid
Input your preferred amount, then select Preview
Input your withdrawal amount and select preview withdrawal
Review the account you would like to withdraw to and the amount. Then complete your account security verification (e.g,. SMS code, Authenticator, Passkey) and select Withdraw to complete the cash withdrawal process. Please note your bank may charge additional fees to receive the withdrawal.
Select withdraw to initiate your USD withdrawal with the Bank transfer (ACH)
Note:
Make sure the name on your OKX account matches the name on your bank account for a smooth withdrawal transaction.
We'll notify you when the withdrawal amount is sent from OKX. It usually takes up to 3 business days for your bank to receive the funds, but the actual timing may depend on your bank.
Why can't I withdraw all of my funds via ACH bank transfer?
When you deposit funds via bank transfer (ACH) on OKX, the amount is credited to your account immediately. However, these funds may not be available for withdrawal right away.
ACH transfers processing between the banks can take up to 3 days to fully complete. During this period, a temporary security hold is placed on your deposit to allow OKX to verify the transaction with your bank, ensuring the security and legitimacy of the transfer.
Once the verification is complete and the funds have cleared, the hold will be released, and you'll be able to withdraw the funds without restrictions.
If you'd like to know when you can withdraw your funds, you may check it under your deposit details.
Note: in some cases, we may enforce an additional hold of up to 15 calendar days for risk management purposes. This is to help protect users and the platform from fraud, scams, and unauthorized activity.
FAQ
1. How long does it take to process ACH withdrawals?
Withdrawal requests may take up to 3 days to process. While processing, the transaction will display a "Pending" status. Please note that withdrawals are not processed on weekends or U.S. banking holidays. New deposits may also be subject to a hold of up to 15 calendar days before they're available to withdraw.
2. Why am I not able to see the "Withdraw USD" feature for the ACH bank transfer?
To comply with local laws and regulations, cash withdrawals are only available in specific regions.
3. Can I make a withdrawal with ACH bank transfer if my bank account verification fails?
No. You can only make the withdrawal after your account ownership is successfully verified.
4. How do I check my withdrawal history for the ACH bank transfer?
You can review your withdrawal history on the cash withdrawal page under All withdrawals.
Web: View your cash withdrawal transaction on the withdrawal page
App: Find your withdrawal history on portfolio page
5. How do I know when my money is sent from OKX via ACH bank transfer?
You'll receive an email once the money is deducted from your OKX account and on the way to your bank account.
6. When will I receive my money via ACH bank transfer?
After the funds leave OKX, it generally takes up to 3 business days to arrive at the receiving bank. Actual timing varies depending on your bank's processing time.
7. How do I check my remaining limits for the ACH bank transfer?
You can select the available balance to check your remaining limits.
App: Select the available balance to check your remaining limits
8. Can I cancel an ACH withdrawal request after it has been submitted?
No. Once an ACH withdrawal request has been submitted, it can't be canceled. Please ensure all withdrawal details are correct before confirming your request.
9. Why won't OKX link my bank account?
Bank-linking attempts can fail during OKX's routine security checks, even if your bank shows the account as connected. This can happen with any bank.
If linking fails:
Try linking a different bank account.
Try again after a few hours, or the next day.
Use Wire transfer or crypto withdrawal instead.
Note: wire transfer withdrawals require you to first make a wire deposit from the same bank account before you can withdraw to it.
10. Why was my withdrawal reversed?
Withdrawals are reversed and credited back to your OKX account if your bank rejects the transaction — commonly because your linked bank account details are outdated or the account has been unlinked from Plaid. Relink your bank account and keep it linked until you see the transaction on your bank statements.
11. Can support manually link my bank account?
No. Support can't override Plaid's eligibility checks or manually link an account.
12. Is there a fee for wire withdrawals?
Yes, wire transfer withdrawals include a $30 fee.
13. Why can’t I withdraw my money to any of my linked bank accounts?
If none of your linked bank accounts are working for withdrawal, don't worry — this is almost always something on the account side rather than a problem with your bank link. Here are the most likely reasons:
Your funds might still be settling — recently deposited cash could take a few days (sometimes longer due to extra security checks) before it's available to withdraw, even though it already shows up as available to trade.
There may be a required task or review pending — things like an identity verification refresh or a compliance check can temporarily pause withdrawals until they're completed. Check your Profile and settings page for any outstanding tasks.
Your bank accounts may have gotten unlinked from Plaid — if none of them show as actively connected anymore, you'll just need to relink one to get going again.
Your eligibility for cash withdrawals may have changed — this feature is only available in certain states, so if something changed with your verified location or identity verification status, it could affect access.
There could be brief scheduled maintenance — worth a quick check of the OKX Status page or any announcement banner on your withdrawal screen to rule this out.
If you've checked all of these and you're still stuck, reach out to OKX Assistant so we can take a closer look at your account.