Are you facing the Crypto.com ACH not working issue while trying to fund your account? Many users experience problems when attempting to deposit money via ACH on Crypto.com. Most ACH problems happen when there’s a mismatch between your bank account name and your Crypto.com account name or when funds are transferred from a joint account. Other times, there could be bank verification issues, insufficient funds, or temporary restrictions on ACH services.
Don’t worry! The good news is that these issues are usually easy to fix once you understand the cause. In this article, we’ll walk you through the possible causes and easy solutions so you can resolve the problem quickly and get back to trading or investing with ease.
Why Is Crypto.com ACH Not Working?
Crypto.com ACH not working can be caused by several factors. Here are the main reasons:
- The name on your bank account does not exactly match the name you used to register on Crypto.com.
- You tried to transfer funds from a joint account or a third-party account.
- The transfer was initiated from a payment processor (like PayPal or Wise) or another crypto exchange, not directly from your bank.
- The funds were not sent as a USD ACH transfer.
- There was an error in your account or routing number.
- Your bank account is closed or does not exist.
- You did not authorize the ACH transaction, or authorization was revoked.
- Insufficient funds in your account.
- You exceeded transaction limits or sent the transfer outside the allowed time window.
- The transaction was flagged as suspicious or failed regulatory checks.
📚 Read also: How to fix the crypto.com refund delay issue?
How to Solve Crypto.com ACH Issues
Let’s tackle these issues one by one with simple steps to get the crypto.com ACH not working sorted out.
1. Verify Account Name and Details
- Make sure the name on your bank account matches your Crypto.com profile exactly.
- Double-check your account and routing numbers for typos or errors.
- Only use accounts opened in your own name—transfers from joint or business accounts may be rejected.
2. Use the Correct Transfer Method
- Always initiate the transfer directly from your bank, not from payment processors or other exchanges.
- Ensure you are sending a USD transfer via the ACH network, not by wire or other methods.
3. Check for Sufficient Funds
- Ensure your bank account has enough funds to cover the transfer.
- If funds are pending or uncollected, the ACH may not process.
4. Confirm Authorization
- Make sure you have authorized the ACH transfer with your bank.
- If you previously revoked authorization, you’ll need to reauthorize before trying again.
5. Review Transaction Limits and Timing
- Check if you are within your daily/monthly ACH transfer limits.
- Make sure you are not sending the transfer outside of the processing window.
6. Avoid Suspicious Activity
- Only send transfers from your own account and avoid frequent, large, or unusual transactions that might trigger fraud alerts.
What to Do If Your ACH Transfer Is Still Not Working
If you’ve followed the steps above and your crypto.com ACH not working problem persists:
- Contact the Crypto.com help team and be ready to provide documentation, such as a bank statement showing your full name, account number, and the transaction details.
- Ask your bank if there are any restrictions or holds on ACH transfers to Crypto.com.
- Double-check that you are not trying to deposit from a business, joint, or third-party account.
For urgent help, you can get direct assistance by calling the crypto com customer service number.
How to Avoid Crypto.com Bank Transfer Issues
To avoid future issues when you want to deposit funds using ACH:
- Always use your personal bank account, with your name matching your Crypto.com registration.
- Initiate the ACH transfer directly from your bank’s online portal.
- Double-check all details before submitting the transfer.
- Monitor your email or Crypto.com notifications for any alerts or requests for additional information.
Final Thoughts on Crypto.com ACH Issue
Dealing with a crypto.com ACH not working issue can be frustrating, but most problems are easy to fix once you know what to look for. Always use your own personal bank account, double-check your details, and follow the correct process for ACH transfers. If you run into trouble, the Crypto.com team is there to help you resolve any issues quickly. By following these steps, you can confidently deposit USD via ACH and keep your crypto journey moving forward.
