Crypto.com ACH Transfer Not Working? Here’s How to Fix It

Are you frustrated because your Crypto.com ACH transfer is not working? You’re not alone. Many users face issues when trying to transfer funds via ACH (Automated Clearing House) on Crypto.com, and it can be confusing and inconvenient—especially when you’re eager to buy or sell crypto quickly.

In this blog post, we’ll explore why the Crypto.com ACH not working error occurs, how to troubleshoot it, and what you can do to ensure smooth transactions in the future. Whether you’re a new user or a seasoned investor, this guide will help you understand the problem and find practical solutions.

Read More: What to Do When Your Crypto.com Account is Locked?

What Is ACH and Why Does It Matter?

Before we dive into the troubleshooting steps, let’s clarify what ACH is.

ACH (Automated Clearing House) is a system that allows users to transfer money directly from one bank account to another. It’s widely used for things like direct deposit, bill payments, and of course—crypto purchases. ACH transfers are typically low-cost or free and are a preferred method for adding or withdrawing funds from platforms like Crypto.com.

When the Crypto.com ACH not working issue arises, it can prevent users from funding their account or cashing out, leading to serious delays and frustration.

Common Reasons for Crypto.com ACH Not Working

There are several reasons why your ACH transfer may not be working on Crypto.com. Below are the most frequent culprits:

1. Bank Account Not Linked Properly

One of the most common causes is an improperly linked bank account. If your banking credentials have changed, or if your bank doesn’t support ACH transfers, the process might fail.

2. ACH Transfer Limits

Crypto.com imposes daily and monthly limits on ACH transfers. If you exceed these limits, your transaction will be declined without clear explanation.

3. Verification Issues

If your identity hasn’t been fully verified on Crypto.com, ACH transfers may be restricted. KYC (Know Your Customer) verification is mandatory before certain features are unlocked.

4. Maintenance or Technical Glitches

Sometimes, the Crypto.com ACH not working problem is simply due to system maintenance or a temporary technical issue. Check Crypto.com’s official status page or social media for updates.

5. Bank-Side Restrictions

Some banks have additional security layers or block ACH transactions to crypto platforms due to fraud concerns. If your bank flags the transaction, it could cause the ACH to fail.

6. Recent Changes in Payment Providers

Crypto.com occasionally switches between third-party payment processors. If you’re seeing errors, it might be related to backend changes that haven’t fully propagated to your account yet.

How to Fix the Crypto.com ACH Not Working Issue

Now that you know the causes, let’s walk through some troubleshooting steps you can take to resolve the issue.

1. Re-Link Your Bank Account

Go to the Crypto.com app:

• Tap Accounts > Fiat Wallet > Transfer > Deposit > ACH Transfer
• Remove your current bank account and add it again using your login credentials through Plaid or manual routing/account number.

Make sure the bank account is in your name and supports ACH transfers.

2. Complete KYC Verification

If you haven’t completed your identity verification, go to the Crypto.com app > Settings > Verification and follow the steps to upload your ID and a selfie.

Your ACH transfer won’t go through until your account is fully verified.

3. Check for Maintenance Notices

Visit the Crypto.com Status Page to see if there’s scheduled maintenance or known issues affecting ACH transfers. You can also follow their official Twitter account for real-time updates.

This might be all you need if the Crypto.com ACH not working error is temporary.

4. Stay Within Your Transfer Limits

Crypto.com sets different limits based on user tier and verification status. For ACH transfers, the daily and monthly limits vary:

• Daily limit: up to $50,000
• Monthly limit: up to $500,000

Make sure your transfer is within these ranges.

5. Contact Your Bank

If your transaction is failing without any explanation, call your bank and ask if they’ve blocked transactions to or from Crypto.com. They may need to approve the payment processor.

Some users have found that smaller banks or credit unions are more accommodating with ACH crypto transfers than larger national banks.

6. Switch to a Different Payment Method

If ACH isn’t working for you, consider using:

• Wire Transfer: More reliable but slower and with higher fees.
• Debit/Credit Card: Instant deposits, but often come with higher fees.
• Crypto Transfers: Send crypto from another wallet or exchange.

While this doesn’t solve the core Crypto.com ACH not working problem, it can keep your trading activity uninterrupted in the short term.

What to Do If None of These Fixes Work

If you’ve tried everything and ACH still isn’t working, contact Crypto.com support:

• Use the live chat feature in the app.
• Submit a support ticket through the Help Center.
• Clearly explain your issue, include screenshots, and note the steps you’ve already tried.

Be patient—ACH-related issues may take a few days to resolve, especially if they involve third-party payment processors.

Preventing Future ACH Issues on Crypto.com

Here are a few tips to avoid running into the Crypto.com ACH not working issue again:

• Keep your bank account info up to date
• Monitor your ACH transfer limits
• Verify your identity early
• Avoid initiating transfers during known maintenance windows
• Choose a bank that is crypto-friendly

Final Thoughts

The Crypto.com ACH not working issue is a common problem, but it’s usually fixable with a few simple steps. Whether it’s a verification issue, a bank problem, or a technical glitch on Crypto.com’s end, you now have the tools and knowledge to resolve it efficiently.

ACH transfers are a convenient way to manage your fiat and crypto balance, but they do require proper setup and attention to detail. If all else fails, Crypto.com offers other funding options so you’re never stuck waiting.

Need help choosing an alternative transfer method? Or want to find the most reliable banks for crypto transactions? Let me know—I’d be happy to help!