Bank transfer funds (Instant ACH Deposits) are made immediately available for trading, and should fully settle into your Gemini account and be available for withdrawal within 4-5 business days. When the funds in transit are considered settled, the withdrawal hold on the funds will be removed. ACH deposits are not available to customers outside the U.S. ACH deposit requests are submitted at 5pm ET Monday - Friday at 24-hour intervals. Any deposit made by 5pm will be submitted to your bank that same day, and any deposit made after 5pm will be submitted to your bank at 5pm the following business day.
Wires work differently: since the funds availability check happens immediately and before your wire is sent, and they're irreversible, wire deposits settle immediately once they have been received in our bank account. As a result, these funds are available for trading and withdrawal once they have been credited to your account. Funds sent by domestic wire transfer before 3pm ET will typically be available in your account the same day or next business day (though this may vary based on the internal processes of your bank). While there may be a fee charged by your bank to send or receive a wire, we do not charge any wire fees on our side.