Why is Coinbase holding my funds?

Coinbase holds your funds for one of a few reasons: a bank deposit that has not fully arrived, a security or compliance review of your account, a closed account, or a legal requirement such as a court order. The first is routine and ends on a date Coinbase shows you. The others can last longer and depend on what Coinbase needs from you. This guide reflects Coinbase's US help pages and user agreement as of November 2026.

Why is my crypto on hold on Coinbase?

The most common cause is an ACH bank deposit or purchase. Coinbase lets you trade with that money at once but holds it, and any crypto bought with it, until the bank payment settles. Your available balance is your total balance minus the held amount. Coinbase says holds usually end by 11:59 p.m. Pacific time on the date in your confirmation email, and that support cannot shorten them for fraud prevention reasons. The mechanics are explained in why is my crypto on hold on Coinbase.

Why is Coinbase holding my funds for so long?

Coinbase says hold length depends on account history, payment activity and transaction history, so a newer account may wait longer than an older one. If the date has passed and money is still stuck, a different issue is likely:

• Restriction. Coinbase restricts accounts over suspected malicious activity, problems during account recovery or a customer request. Its help page says you may be able to resolve it by answering on-screen questions while signed in, which are then reviewed. See why is my Coinbase account restricted.
• Closed account. If Coinbase closes an account for breaking its user agreement, it does not sell crypto for you. You withdraw cash to a verified bank or send crypto to an outside wallet, and the agreement gives you 90 days to move assets after deactivation unless the law blocks it.
• Legal orders. The agreement lets Coinbase refuse, cancel or reverse transactions in response to a subpoena or court order, or if it suspects fraud, money laundering or an error.

Why is Coinbase not letting me withdraw my money?

Check which part is blocked. If the cash-out button works but crypto sends do not, the crypto was likely bought with held funds. If nothing moves, look for an in-app notice about verification or security steps. If a send is stuck after it started, it may be waiting on the blockchain instead, covered in why is my crypto withdrawal pending. Coinbase's agreement also says it may suspend or restrict access at its sole discretion without disclosing the details of its decision.

What can you do about a Coinbase withdrawal hold?

Start with Coinbase support through the app or website, never a phone number from a search result. If that fails, the user agreement sets out a formal complaint form, which ends when Coinbase responds or after 45 business days, whichever comes first. You must finish that step before arbitration or small claims, and the agreement lists state regulators for unresolved complaints. Cash-out options themselves are in how to withdraw money from Coinbase.