How to make deposits and withdrawals in fiat

Fiat Deposits & Withdrawals

1. How Long Does a Withdrawal Take to Process?
 
Each withdrawal request is subject to system verification, typically completed within 2 hours on business days. However, some withdrawals may require additional time for manual review after the initial system check. We ask for your patience during this process. Please note that during periods of network congestion, withdrawal times may be longer. For the security of your account and funds, certain withdrawals undergoing manual review might necessitate extra documentation. Your cooperation and prompt response in providing these documents are appreciated.
 
System maintenance occurs weekly from 14:30 to 23:00 each Saturday and Sunday (UTC+0). During maintenance, automatic reviews are suspended, and only scheduled manual reviews occur, which may extend the processing time for withdrawals. We ask for your patience during these periods.
 
2. Why is My Account Restricted from Making Withdrawals?
 
For the safety and security of your account and funds, changing or resetting your login or fund password will result in a 24-hour suspension on withdrawals. Please be aware of this security measure.
 
3. Why is My Available Balance Less Than My Total Account Funds?
 
(1) Fiat deposits have not yet cleared the lock-up period, which is typically 24 hours.
(2) Certain positions in your futures account have not been closed.
 
4. Why Can’t I Use the Fiat Currency Withdrawal Feature?
The fiat currency withdrawal function is temporarily disabled due to system maintenance. BTCC is considering reinstating this feature. If you would like to see more functionality in fiat currency withdrawals, please feel free to reach out to our customer service team with your suggestions.

Withdrawal Review Guidelines and Important Notices

BTCC offers different ways to make fiat deposits to the platform. Aside from using Visa/Mastercard, users can also transfer funds from their bank account via ACH.
<h2>
 1. For first-time users</h2>
Please follow the steps below if you are making deposits via ACH for the first time.
 
Step 1 On your BTCC app, tap Deposit fiat.
<img style="height: 669px; width: 353px;" src="https://lh3.googleusercontent.com/Gro8aRKCseyw_XRBm_4_KdglVYzzrdx1IQtH-SnL-M4D-TUTYRgpJQgaidvB93gUZnAih9Bsj6hppELtWfMvfzs3qzkUDkEUzC9-awYlMOpgeO2KxMzZKUKjfjq9SsLxs6ctYqzNz3JUovMF-j2lg3U">
 
Step 2 From the list of payment options, choose ACH.
<img style="height: 676px; width: 355px;" src="https://lh4.googleusercontent.com/Gk5E4IWKq15brsSHCvUN1yizgx-gWr79ciIursucSVtzrQsQOYWIGARTKijOnmG7tnNgI4gEg_2oIvZRpd-5oA1jg5bnloDcevZSM1c_cfcA_yFYSFFq2rNQU9Jety8_W_hurXN6ZChJ8JX7cYDJWfY">
 
Step 3 Input the amount you would like to transfer. Read the important information about the ACH deposit method before you proceed.
<img style="height: 557px; width: 331px;" src="https://lh5.googleusercontent.com/PdxMHWf-pYB1JO6tg0UvULBsh1on84hQvwd-r48Msq1dAoCruQUlNdSRVTsZI4EITI_JKPzLLZur2SREUD8Ec-WJpgIKS4vjduxR-kCTbJEz8Z0zIjPuLzROQcmgHQxFytNnR7S-Co3_Ez-QcYy-UWQ"><img style="height: 483px; width: 316px;" src="https://lh3.googleusercontent.com/h0Dqe9iNAipeh-gJbQymmxvpArLJ55mTYtD3XkmdaFvPpDtOS-Xzv9ChAA_pSNEMIr1NM0nMT2RtwhzdRP1CkNT5_Pr36OCX2COZ89a-ZjKwV8Bqo2jXKqKGP_xZscT4i8nnPVXjvgrF7GMfgzSPD1o">
 
Step 4 Enter your personal information and tap Continue. An account will be created for ACH transfer on BTCC.
<img style="height: 551px; width: 306px;" src="https://lh5.googleusercontent.com/UIY0QeUlqypc9sbH8BwuiLqS_5sjWFDKBQq1q0-WzFmWooIJRAxuXUEUG8fhenkPRuFxOW6X6Eh8sr6JXPsPNHKPMljkGSKYdHef3c1Y0oJkJXPqlW4hV34uuFWmQ2taCBBjkE_ZjH1jbE8R2PrKFk0"><img style="height: 541px; width: 295px;" src="https://lh3.googleusercontent.com/Y4kzMLueXNC3gIhuU8bhH5l7tiy6kb50lKFBc49AVnomfjCo2O7GbH3MIZ8xrrjw4b8tVk0NfkB6vyDLVYNusn1e_II6JtWd9KFqvT0pC3YhhjRlrWRdpqv2DefpfxLRaaVOAIzdxOnaYDFu6a4a-mQ">
 Step 5 Select the bank from where you will be transferring your funds and enter your details.
<img style="height: 419px; width: 334px;" src="https://lh5.googleusercontent.com/wnzieN90qi1eJ82Vd-7lOv4Sx_X_Lbq42NMSOytfdVM3YVIaIDxMMDhIdfegaxDyJUA1Q_MXCZ2Rbx7dpSPkpidwavmZL9dikOYpicvP8K9fyyQmcAkZ32Y_OIC7n6GM2k0BBdUtgyUKCR1hunincVw"><img style="height: 418px; width: 321px;" src="https://lh5.googleusercontent.com/xyU-NRGrNZQevBQcFxH4Jp_HuXsjzo_Ga8PyZaQSO61i7BUNufTB75JZ5NVmMT_eIATzddglhvHJd1ZPNCFeUGvFYx6e_QVkLjiih7VJaJ7YdXUUSmqVk7a5xlqQufZUfTM7NDGobrdgI8gB8qWD2Fc">
 Step 6 You will then be connected to your bank, and you will be asked to verify your identity.
<img style="height: 432px; width: 330px;" src="https://lh3.googleusercontent.com/v2HQzxN5Yh4PEvFr3ipn7G6JBNqoRz8RM9ZU5ma02zk__Ve9Y1Fd45EJRTxymoRORUSNafX4imdHfRd_3MbWfTNQn1hCx4v3Emum3f-SYdh4WEigxG8G8FPf1CuXvQ4ZoEwSqdEuB-P2W6pIaGpbwwQ"><img style="height: 437px; width: 334px;" src="https://lh3.googleusercontent.com/GQiYxyVApLuhGcIpAUh58OMWikx9FdfyBBrlXXTxr6d_YaE2V0GfqWPUPZ6nejZjRwxiTtVWZZe0csbGlmObilZvQWsOjrEzgLfZQtPJTx6T_N3IjJMRVZA87cqNpG5Ss8_3cI3R1Ntk5wRFT4aW90w">
 Step 7 Select your bank account from the list to link it to your BTCC account and tap Pay. You will then be taken to the Authorization page. You may tap more to read what you are authorising BTCC to do by tapping the button Authorize.
<img style="height: 462px; width: 331px;" src="https://lh3.googleusercontent.com/3eE0qPHeYXVmxGlwfbjsdXZ62Ht_-DPN39nMycxYBOwwWnwmB0SpSkzlOYBeuoaG881v88b40u64vGbpF0YCaeW0Dy2jIPnpHZXo00GObiPaOjtR3xcxcOAYMZa_DDMouKevueukG2TsWWFEJbb4dxc"><img style="height: 549px; width: 307px;" src="https://lh6.googleusercontent.com/u_DFm8JRnRXJftRPkXPUXXiuYqZsPsVz2ZTyreojwneYx8_J30aDrK3LrDyLSfa8FBev_8vXw3mv2fu331YbhHbj2Gvg3zWskHpLmQqDfJ9uusI38kZCTfV7LVto5gP1IlkBsg_9RTAFQnU8OaoZSWw">
<img style="height: 529px; width: 334px;" src="https://lh5.googleusercontent.com/AetyfdHVVq8-37uTsMvwQBYQ5dHP3vx9_GKHAy5LBlhU3VWXFmZ2zUSCW4UAo6qfty9hGPsUk_C3Cie9MXmRYbd8stpJyaTFSBu179Q6uN5Ecvm4tNhhQHoaNrtYTwDKVzxJLnuugGgKTTmkgx8pdQ8">
 
Step 8
After you authorize the transfer, you will be brought to the transfer result page. Please note that it may take about 1-3 business days for the bank to process the transfer. In some cases, it may take up to 5 business days. Your patience and understanding are appreciated.
 
If you still have not received your funds after 5 business days, please contact customer service via Live Chat for assistance.
<img style="height: 646px; width: 326px;" src="https://lh3.googleusercontent.com/1DddBj9vLM6o32O1_-848-VtqisLS4x1lGDAUyVu32ZLTapYWn3gCrHVHE_kM-kXpb84D5tMK3Awc1IsRYGNDqnhqypdPt8phaDdw9K9e_JwWsazvdPtcYqVWw0R8hRJ3jMtE58LSGKZPiiQ2qqx6Y8">
 
<h2>2. For users who use ACH after the first time</h2>
Please follow the steps below if you have already made ACH transfer on the BTCC platform before.
 
Step 1 On your BTCC app, tap Deposit fiat.
<img style="height: 669px; width: 353px;" src="https://lh3.googleusercontent.com/Gro8aRKCseyw_XRBm_4_KdglVYzzrdx1IQtH-SnL-M4D-TUTYRgpJQgaidvB93gUZnAih9Bsj6hppELtWfMvfzs3qzkUDkEUzC9-awYlMOpgeO2KxMzZKUKjfjq9SsLxs6ctYqzNz3JUovMF-j2lg3U">
 Step 2 From the list of payment options, choose ACH.
<img style="height: 676px; width: 355px;" src="https://lh4.googleusercontent.com/Gk5E4IWKq15brsSHCvUN1yizgx-gWr79ciIursucSVtzrQsQOYWIGARTKijOnmG7tnNgI4gEg_2oIvZRpd-5oA1jg5bnloDcevZSM1c_cfcA_yFYSFFq2rNQU9Jety8_W_hurXN6ZChJ8JX7cYDJWfY">
 Step 3 Input the amount you would like to transfer. Read the important information about the ACH deposit method.
<img style="height: 557px; width: 331px;" src="https://lh5.googleusercontent.com/PdxMHWf-pYB1JO6tg0UvULBsh1on84hQvwd-r48Msq1dAoCruQUlNdSRVTsZI4EITI_JKPzLLZur2SREUD8Ec-WJpgIKS4vjduxR-kCTbJEz8Z0zIjPuLzROQcmgHQxFytNnR7S-Co3_Ez-QcYy-UWQ"><img style="height: 483px; width: 316px;" src="https://lh3.googleusercontent.com/h0Dqe9iNAipeh-gJbQymmxvpArLJ55mTYtD3XkmdaFvPpDtOS-Xzv9ChAA_pSNEMIr1NM0nMT2RtwhzdRP1CkNT5_Pr36OCX2COZ89a-ZjKwV8Bqo2jXKqKGP_xZscT4i8nnPVXjvgrF7GMfgzSPD1o">
 
Step 4 Choose the bank account from which you wish to transfer funds to your BTCC account. Tap Authorize to authorize the transfer.
<img style="height: 549px; width: 307px;" src="https://lh6.googleusercontent.com/u_DFm8JRnRXJftRPkXPUXXiuYqZsPsVz2ZTyreojwneYx8_J30aDrK3LrDyLSfa8FBev_8vXw3mv2fu331YbhHbj2Gvg3zWskHpLmQqDfJ9uusI38kZCTfV7LVto5gP1IlkBsg_9RTAFQnU8OaoZSWw"><img style="height: 503px; width: 318px;" src="https://lh5.googleusercontent.com/MwWBZNh76LlJ25gtIdOPw_FBqSY6c1SN41Sp7QGR1lfYFdYrnB0Td2xQ6uSQOr4Lb8MtFxMyX4GEn0s8Um-dbV5p_v2Qqw5Jqu3O3IvtJzap5MRn10ip9KqTdT0A2DSSEV3MSYFuc5q0tYkN93Wr_3M">
 Step 5 After you authorize the transfer, you will be brought to the result page. Please note that it may take about 1-3 business days for the bank to process the transfer. In some cases, it may take up to 5 business days.
 
If you still have not received your funds after 5 business days, please contact customer service via Live Chat for assistance.
<img style="height: 646px; width: 326px;" src="https://lh3.googleusercontent.com/1DddBj9vLM6o32O1_-848-VtqisLS4x1lGDAUyVu32ZLTapYWn3gCrHVHE_kM-kXpb84D5tMK3Awc1IsRYGNDqnhqypdPt8phaDdw9K9e_JwWsazvdPtcYqVWw0R8hRJ3jMtE58LSGKZPiiQ2qqx6Y8">
<h2>
 3. ACH Transfer FAQs</h2>
Q1. How long does it take for the funds to arrive in my BTCC account? It may take about 1-3 business days for the amount to arrive in your account. In some cases, it may take up to 5 business days. The exact time depends on the processing time required by the bank. Your patience and understanding are greatly appreciated.
 
Q2. I still haven’t received the funds in my BTCC account after 5 business days. What should I do? If you still have not received your funds after 5 business days, please contact customer service via Live Chat for assistance.
 
Q3. After my funds arrive in my account, can I withdraw them? Absolutely, all deposits made to BTCC are withdrawable. However, please note that deposits made via ACH have a withdrawal hold period of 5 days. You can withdraw your funds after the withdrawal hold period ends.

How to Deposit via ACH

<h2>1. Why Did My Crypto Purchase Fail?</h2>
1. Credit card restrictions
<ul>
<li>Overseas transactions restricted by the credit card you’re using.</li>
<li>Credit card limit has been reached (single transaction limit or monthly limit)</li>
<li>3D Secure authentication issues, which could be that your credit card type is not supported or your credit card does not support 3D Secure authentication.</li>
<li>Risk control issues from the bank of your credit card (fraud prevention by the bank, the amount of money spent by the user is higher than before, the payment is not completed after using the same card within a short period of time, etc.</li>
</ul>
2. Pop-up messages that appear on the BTCC web/app
 
When submitting payment:
<ul>
<li>“Account Restricted”</li>
<li>“IP Address Restricted”</li>
<li>“Identity Verification Required”</li>
</ul>
During the payment process:
<ul>
<li>“Payment failed” (For example, the card you entered cannot be used for this payment. Please use another card.)</li>
<li>Other failure messages</li>
</ul>
3. Maintenance/system upgrades of the payment channel
We will make announcements to inform users about the scheduled maintenance/system upgrades prior.
<h2>
 2. What Should I Do if My Crypto Purchase Failed?</h2>
 
1. Credit card restrictions
 
If you encounter restrictions on your credit card, please contact your card issuer for assistance. Ask customer support to check and adjust the relevant restrictions, then try to buy crypto with the same card on our platform again.
As for 3D Secure authentication-related issues, please try using another credit card for your purchase.
 
2. Pop-up messages that appear on the BTCC web/app
 
“Identity Verification Required” — Please complete identity verification first.
 
“Account Restricted” &amp; “IP Address Restricted” — It is likely that the crypto purchase failed because of the conditions listed on your credit card’s terms of service. Please use other credit cards to buy crypto or make a deposit by transferring crypto from other platforms/wallets to your BTCC account.
 
If you still see a failure message after using another credit card, please take a screenshot of the message and get in touch with our customer support for further assistance.
 
3. Maintenance/system upgrade of the payment channel
 
To provide a better experience for our users, the credit card payment channel will undergo maintenance or system upgrades from time to time.
You may wait for the maintenance/upgrades to complete, or you can use other forms of payment to buy crypto on our platform.
 
<h2>3. Credit Card Crypto Purchase FAQs</h2>
Q1: How can I check my assets?
On the BTCC app, tap Assets from the bottom menu. Then tap the icon at the top right corner of the Assets page to go to Transaction details. From there, you can see all the transactions of your account.
 
Q2: My crypto purchase was successful, but I haven’t received the deposit.
My payment was made within 30 minutes ago.
If the payment has been successfully made, please wait patiently for the deposit to arrive. Under normal circumstances, deposits will arrive in your BTCC account within 30 minutes.
 My payment was made more than 30 minutes ago.
<ul>
<li>
I paid using MoonPay If you use MoonPay and the payment was successful (your credit card has been debited), and the transaction is already on the blockchain but you do not see your deposit arriving in your BTCC account, please take a screenshot of the successful credit card payment page and contact the customer support of MoonPay on their official website: - MoonPay Support: <a href="https://support.moonpay.com/hc/en-gb/requests/new">https://support.moonpay.com/hc/en-gb/requests/new</a> - Possible reasons for not receiving funds after buying crypto with MoonPay: <a href="https://support.moonpay.com/hc/en-gb/articles/360012010578-My-transaction-was-completed-but-I-don-t-see-the-cryptocurrency-in-my-wallet-What-can-I-do-">https://support.moonpay.com/hc/en-gb/articles/360012010578-My-transaction-was-completed-but-I-don-t-see-the-cryptocurrency-in-my-wallet-What-can-I-do-</a> </li>
</ul>
<ul>
<li>
I paid using Simplex On the BTCC app, please go to the payment page and select Simplex. Please enter the deposit amount and fill in the information as required. Please note that the information submitted in must be correct. After Simplex checking all the details, your deposit will be reflected on your account.</li>
<li>
I paid using a service provider that is not MoonPay or Simplex Please get in touch with our customer support via Live Chat with the following information for immediate assistance: - Your BTCC registered email address/phone number - A screenshot showing your crypto purchase was successful, including information such as the payment date and the amount.</li>
</ul>
 Q3: What are the fees when I buy crypto with a credit card?
The fees that might incur include fees charged by the bank, gas fees, and admin fees charged by third-party service providers. You will get an overview of the fees you need to pay when choosing a service provider for your crypto purchase.
 
Q4: What is the minimum purchase amount? The minimum purchase amount for the first purchase with a credit card is 200 USDT. For the purchases afterwards, please refer to the requirements listed by each service provider.
 
Q5: After a successful payment, how long will it take for the deposit to arrive? Under normal circumstances, the crypto you purchased (USDT) will arrive in your BTCC account within 30 minutes.
Users who pay with MoonPay or Simplex can check the status with the Transaction Hash (Tx Hash)/Transaction ID (TxID) provided by your chosen service provider.

Recommended

Learn

Support

Fiat Deposits & Withdrawals

Quick Links