Why does Coinbase ACH take so long to process transactions?

3 answers

• LaserBeamJul 23, 2022 · 3 years ago
  Coinbase ACH transactions may take a long time to process due to several factors. Firstly, ACH transfers involve the clearing and settlement process, which can take a few business days. This is because ACH transactions are processed in batches and go through multiple intermediaries before reaching the recipient's bank account. Additionally, Coinbase has its own internal security measures and risk management protocols to ensure the safety of funds, which may introduce additional processing time. Lastly, high transaction volumes or network congestion can also contribute to delays in transaction processing.
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• KanakOct 10, 2021 · 4 years ago
  ACH transactions on Coinbase can be slow because they rely on the Automated Clearing House network, which is a system used for electronic funds transfers in the United States. The ACH network operates on specific batch processing schedules, which means that transactions are grouped together and processed at specific times throughout the day. This batching process can introduce delays, especially if you initiate a transaction outside of the designated processing windows. It's important to keep in mind that the processing time for ACH transactions can vary depending on various factors, including the recipient's bank and any potential issues with the transaction itself.
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• Rostov85May 14, 2025 · 2 months ago
  While I can't speak specifically for Coinbase, as I work at BYDFi, delays in ACH transaction processing are not uncommon in the cryptocurrency industry. ACH transactions involve multiple parties, including banks and intermediaries, which can introduce additional processing time. Additionally, the high demand and increased transaction volumes in the cryptocurrency market can sometimes lead to delays in transaction processing. It's always a good idea to check with Coinbase's support team for any specific issues or updates regarding ACH transaction processing times.
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