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Required Legal Notice: Virtual currencies, real risks. The only guarantee in crypto is risk. Warning: The value of your virtual currencies can rise or fall sharply, and your initial investment may be lost completely; virtual currencies are not covered by the guarantee funds that cover bank deposits; there is no legal mechanism on the virtual currencies market to prevent market manipulation or insider dealing; virtual currencies depend entirely on a specific computer technology and infrastructure, which in certain cases may be very recent and not yet adequately tested; if one loses the identification code or password giving access to the virtual wallet in which the virtual currency is stored, the currency held therein will be irretrievably lost; virtual currencies are currently accepted as a means of payment to a limited extent, and in most countries there is no legal obligation to accept them; for more information about the risks associated with an investment in virtual currencies, we advise you to read the Wikifin page What is a cryptocurrency? | Wikifin.

How do I fund my account with USD using ACH via Plaid?

Last updated: 22 студзеня 2026 г.

This article is for clients using the Kraken interface (kraken.com)

Which Kraken interface am I on?

ACH deposits are available via Plaid with no processing fees. Plaid allows you to securely connect your bank account to Kraken to make funding your account easy.

The estimated processing time for ACH deposits through Plaid is up to five minutes. Once credited to your account, deposits are available instantly for trading and will be available to withdraw after seven days.

Please note that the seven day hold on withdrawals will apply to any assets in cash or cryptocurrency, equal to the deposited amount. The withdrawal hold does not apply to trading.

If you experience a delay or if your funds are on hold, please contact Support.

Requirements

To fund your account using ACH via Plaid your Kraken account must meet the following requirements:

•
Your Kraken account must be verified.
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Your Kraken account must be located in the United States excluding Texas.
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The name on the bank account you are funding from must match the name on your Kraken account.
•
Your bank must be located in the United States.

Ensure your bank supports Plaid. You will have a list of banks supported by Plaid to select from. If your bank is not on the list, Plaid is not available to you as of yet.

Funding instructions (Kraken web)

To fund your account using ACH via Plaid follow the steps below:

1
Sign in to your Kraken account and click on the Deposit button on your home page.
2
Search for US Dollar and click on it. The deposit method will already be selected as a Linked bank transfer, to connect to your bank, simply click Add new account.
3
You will be prompted to connect your bank account. Select your financial institution and follow the instructions provided by Plaid. (This process only needs to be completed once.)
4
Once the Plaid connection is complete, you'll notice on the Kraken deposit page that your bank account is automatically selected.
Type in the amount you'd like to deposit, and then click Deposit funds.
5
Lastly, from the review page, simply check the box after reading the disclaimer, and click Confirm deposit your instant deposit.
6
Congratulations, your deposit is complete! Your deposit should process within minutes, if you experience any delays please reach out to our support team.

Funding instructions (Kraken app)

1
From the Kraken App, tap the purple action button on the bottom of your screen. Then, tap Deposit.
2
Next, select US Dollar from the Deposit page.
3
Tap Linked bank transfer.
4
Next, tap Link account with Plaid on the bottom of the page to begin the connection to your bank.
5
Complete the steps provided by Plaid, and then you will be taken back to the Kraken App where you may begin your instant deposit. (This process only needs to be completed once.)
6
Once you are returned to the Kraken App, you may enter your desired deposit amount using the number pad. You'll notice your newly added bank is already selected for your deposit method.
Once you've entered the amount, tap on Review.
7
Lastly, from the Review page, simply check the box after reading the disclaimer, and swipe to confirm your instant deposit.
8
Congratulations, your deposit is complete! Your deposit should process within minutes, if you experience any delays please reach out to our support team.

Funding options, fees and limits

Deposit fees and limits:

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The minimum amount you can deposit to your Kraken account is 1 USD.
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ACH Plaid deposit limits will adjust automatically over time. Limits are based on a few factors, including but not limited to, your account activity and history. These limits cannot be increased manually or upon request.
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Deposit limits are on a weekly rolling basis.
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The number of successful deposits is limited on a 24-hour rolling basis.

For additional information on funding providers; fees; minimums; and processing times, see our deposit options and withdrawal options articles.

How do I fund my account with USD using ACH via Plaid?

Deposit fees and limits:

Need more help?