ACH vs wire for crypto withdrawals to a US bank
What the official pages say about moving US dollars from a crypto sale to a US bank account, checked Nov 12, 2026. The right rail depends on your amount and timing; this page lists published costs, not a recommendation.
The published rails
| Rail | Published cost | Published timing | Notes |
|---|---|---|---|
| ACH | Free at Kraken, Coinbase and Binance.US | Kraken: 0-2 business days (2pm EST cutoff) | Kraken holds: 72 hours after first-time ACH purchases; 7 days after ACH (Plaid) deposits. Kraken minimum $1. |
| FedWire | Kraken $4 · Coinbase $25 | Kraken: 0-1 business days | Kraken minimum $20. |
| RTP | Kraken 1.5% (max $50) | Near-instant | Kraken minimum $20. |
| SWIFT | Kraken $13 | 1-5 business days | For withdrawals outside the US; Kraken minimum $100. |
When each shows up
- Small and not urgent: ACH is free at Kraken, Coinbase and Binance.US - it is the default low-cost rail, just slower.
- Same-day urgency: FedWire ($4 at Kraken, $25 at Coinbase) or RTP at Kraken (1.5%, max $50, near-instant).
- Watch the minimums before choosing: Kraken ACH minimum $1, FedWire and RTP minimum $20, SWIFT minimum $100.
What no rail includes
Spread between the price you see and the price you get, network fees if you move coins on-chain first, and taxes. Fees change - the official pages linked below are the source of truth.
Official sources
US calculator · US comparison · Kraken service page · Coinbase service page