How do I buy crypto with ACH?

You can buy crypto directly using your bank account via Automated Clearing House (ACH) on our platform. ACH is a U.S.-based electronic payment network that enables the secure and efficient transfer of funds between banks.This payment option is available for verified U.S. users residing in eligible states who have linked their bank accounts through our secure partner, Plaid.

Getting started

On the web

1. Log in to your account at okx.com, go to Trade, and select Buy

2. Choose the crypto asset you'd like to purchase (for example, USDT) and enter your desired amount in USD

3. Select Payment method, then select Bank transfer from your linked bank accounts

Select your linked bank account from the Bank transfer section

1. Verify your order details, then select Next

2. Review all details on the Buy preview page to ensure the information and payment method are correct

3. Select Buy [Crypto] (for example, Buy USDT) to complete your purchase

On the app

1. Open your OKX app, go to Trade, and select Buy

2. Choose the crypto asset you'd like to purchase (for example, USDT) and enter your desired amount in USD

3. Select Payment method, then choose Bank transfer from your linked bank accounts

4. Verify your order details, then select Next

5. Carefully review your Buy preview page to confirm the information and payment method are correct

6. Select Buy [Crypto] (for example, Buy USDT) to finalize your purchase

Note:

• Make sure the name on your OKX account matches the name on your linked bank account for a smooth transaction.

• Your purchased crypto may be subject to a short holding period before it becomes eligible for withdrawal. Please check withdrawal details in the app.

FAQ

1. Why am I not seeing the ACH payment method for buying crypto?

This option is only available to verified users located in eligible U.S. states. Please check your verification status and residency eligibility.

2. How long does it take to receive my crypto after using ACH?

Crypto is typically available instantly for trading, though withdrawals may be temporarily restricted during a brief holding period.

3. Are there any fees for buying crypto via ACH?

ACH purchases generally have no fees, but it's best to review the transaction summary for accurate fee details before confirming your order.

4. What should I do if I encounter errors during an ACH purchase?

If you experience any issues, contact our customer support and provide screenshots to help us assist you faster.

5. How can I check my remaining ACH purchase limits?

Select the information icon next to your selected payment method to view your remaining ACH purchase limits.

If you're wondering how you can buy crypto with debit or credit card, visit here.