1 COUNTRIES
ACH (US) and crypto
The US bank-transfer rail — every crypto exchange's default fiat lane
The verdict
7.5 / 10 · CONSIDER
The Automated Clearing House network handles 30+ billion US transactions per year. ACH is how US users fund Coinbase, Kraken, Gemini, and Crypto.com — typically free but slow (1–3 business days for standard ACH; same-day ACH where supported).
◆ BUY IT IF
- Free at every major US crypto exchange
- Universal coverage of US bank accounts
- Bidirectional (deposit + withdraw)
- Higher caps than card
◇ SKIP IT IF
- Standard ACH 1–3 business days settlement
- Same-day ACH limited to ~$1M, not all FIs
- Reversal risk — exchanges hold purchased crypto for 7–10 days post-deposit
- US-only
§ 01 SCORE BREAKDOWN
Five axes, weighted.
DIMENSION WEIGHT RATING SCORE
Crypto support
Not supported natively
Coverage
1 countries
Fees
Standard ACH 1–3 business days; Same-Day ACH (if supported) settles within hours but with cap and fee.
Speed
1–3 business days (standard); same-day with cap
Trust & safety
Operated by Nacha (private association); supervised by Federal Reserve and OCC under National Bank Act / Reg E
§ 02 SPECIFICATIONS
Everything, in one table.
Coverage
- Countries
- 1
- Strong regions
- —
- Weak regions
- —
Crypto features
- Buy / sell
- No
- Withdraw to wallet
- No
- Merchant payments
- No
- Supported assets
- —
Fees
- Friends & family
- Typically free; same-day ACH $1–5
- Receiving
- Free
- Currency conversion
- USD only — no FX
Speed
- Typical transfer
- 1–3 business days (standard); same-day with cap
- Instant transfer
- No
- Crypto settlement
- Most exchanges hold purchased crypto for 7–10 days against ACH reversal risk
§ 03 FAQ
Frequently Asked Questions
Does ACH (US) support crypto? +
ACH (US) does not natively support buying or selling crypto within the app. However, it may be used as an on-ramp via third-party exchanges that accept ACH (US) payments.
How many countries is ACH (US) available in? +
ACH (US) is available in 1 countries. Strong regions include: .
What are ACH (US)'s fees for sending money? +
Send to friends/family: Typically free; same-day ACH $1–5. Receiving: Free. Currency conversion: USD only — no FX. Standard ACH 1–3 business days; Same-Day ACH (if supported) settles within hours but with cap and fee.
How fast are ACH (US) transfers? +
ACH (US) offers typical transfer times of 1–3 business days (standard); same-day with cap.