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Instant Transfer (RTP)

Last updated: May 22, 2026

For eligible US clients, Kraken offers a way to withdraw USD to your bank account instantly, 24 hours a day, 7 days a week, including weekends and holidays. Instant transfers are processed via Real-Time Payments (RTP) through Plaid.

Please note: Instant Transfer (RTP) is not available via Kraken API.

  • Your Kraken account must be registered in the USA.

  • Your Kraken account must be verified.

  • Your bank or financial institution account must be located in the USA under the same legal name as your Kraken account.

  • Your bank account must support Real-Time Payments (RTP).

  • Residents of Maine and New York are not eligible to use this service.

Instant transfer requires a linked bank account before it can be used.

Linking your bank account

  • You must link your bank account through Plaid before using Instant transfers.

  • After the linking process, it will automatically be determined whether the connected bank account supports RTP.

Note:

If the connected bank account does not support RTP, a warning message will appear and that account will be greyed out, preventing it from being selected for an Instant transfer. You can use ACH as an alternative for unsupported accounts. See ACH withdrawals for more details.

Previously linked bank accounts

Bank accounts previously linked and used for ACH deposits or Instant purchases can also be used for instant transfers, provided the bank supports RTP.

No additional linking is required if:

  • The account was linked via Plaid, and

  • The bank supports RTP.

If your account meets the above requirements, navigate to your Funding page, select US Dollar, then select Withdraw and choose the Instant transfer option to proceed.

For step-by-step instructions:

Instant transfers typically arrive in your bank account within minutes of submission.

A fee of 1.50% applies to all Instant transfers, with a maximum fee of 50 USD. The fee is deducted from the withdrawal amount and will be displayed before you submit your withdrawal.

The minimum withdrawal amount is 20 USD.

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