Withdrawing USD from your digital asset account to your bank account is a straightforward process when you know the steps. On OKX, U.S. customers in eligible states can use Bank Transfer (ACH) to securely move funds from their OKX account directly into their linked bank account. This guide walks you through the entire withdrawal process—on both web and mobile—while addressing common questions and ensuring a smooth, secure transaction.
Whether you're accessing your funds for everyday use or managing your financial portfolio, understanding how to efficiently withdraw USD is essential. Let’s explore how to initiate an ACH withdrawal, what requirements apply, and what to expect during processing.
How to Withdraw USD Using Bank Transfer (ACH)
On the Web
To begin your withdrawal on desktop:
- Log in to your OKX account at okx.com, navigate to Assets, and select the option to initiate a cash withdrawal.
Choose Bank Transfer (ACH) and click + Add Account to securely link your bank. OKX partners with Plaid, a trusted financial technology platform, to simplify and protect the connection between your bank and your OKX account.
👉 Easily link your bank account in minutes with secure ACH integration.
- Click Continue to proceed with Plaid and select your bank from the list. You’ll be prompted to enter your online banking credentials—this information is handled securely by Plaid and never stored by OKX.
- Once your account is successfully linked, you’ll see a confirmation message indicating that your bank has been added.
- Enter the amount of USD you’d like to withdraw, then click Preview to review the transaction details.
- Confirm all information is correct, then select Withdraw to finalize the request.
Your withdrawal is now in progress. You’ll receive a confirmation email once the funds are sent.
On the Mobile App
Withdrawing via the OKX mobile app is just as simple:
- Open the OKX app, go to Portfolio, tap Withdraw, then select Withdraw USD.
Choose Bank Transfer (ACH) and tap + Add Account to link your bank through Plaid. This secure service ensures your banking data remains protected while enabling fast transfers.
👉 Start your first ACH withdrawal with step-by-step guidance in the OKX app.
- Follow the prompts to authenticate with your bank via Plaid. Upon successful verification, you’ll see a confirmation screen.
- Input the withdrawal amount and tap Preview to verify the transaction summary.
- Enter your two-factor authentication (2FA) code or SMS verification code, then tap Withdraw to complete the process.
The funds will leave your OKX balance and begin processing through the ACH network.
Key Requirements for ACH Withdrawals
To ensure a successful transaction, keep these important points in mind:
- Account Name Matching: The name on your OKX account must exactly match the name on your bank account. Mismatches can lead to delays or failed transactions.
- Eligibility: The Bank Transfer (ACH) withdrawal feature is currently available only to users residing in eligible U.S. states.
- Verification: Your identity and bank account must be fully verified before any withdrawal can be processed.
Processing Time and Fund Availability
After initiating a withdrawal:
- OKX typically processes the transaction within one business day.
- Once dispatched, it takes 3–5 business days for the funds to appear in your bank account.
- The exact timing depends on your bank’s internal processing policies and may vary slightly.
You’ll receive an email notification when the funds are deducted from your OKX account and en route to your bank.
Frequently Asked Questions (FAQ)
Why can’t I see the “Withdraw USD” option?
The cash withdrawal feature is restricted to users in specific regions due to regulatory compliance. If you're located outside eligible U.S. states, this option may not appear in your interface.
What happens if my bank account verification fails?
You cannot proceed with a withdrawal until your bank account is successfully verified. Ensure that you’re using accurate login details through Plaid and that your bank supports instant verification.
How do I check my withdrawal history?
Visit the Withdrawals section under Assets on the web or Portfolio > Withdraw in the app. All past transactions, including status and timestamps, are listed under All Withdrawals.
When will I receive confirmation that my money has been sent?
OKX sends an automated email as soon as the withdrawal is processed and funds are sent from your account. This serves as proof that the transaction is underway.
Why can’t I withdraw my full balance?
Recent deposits made via ACH may be subject to a holding period while OKX verifies the transaction for security purposes. During this time, those funds are not available for withdrawal.
How can I view my daily or monthly withdrawal limits?
Tap the information icon (i) next to the withdrawal amount field—available on both web and mobile—to see your current limits and remaining allowance for the period.
Tips for a Smooth ACH Withdrawal Experience
- Always double-check the withdrawal amount and destination before confirming.
- Use 2FA consistently to protect your account and approve transactions securely.
- Monitor your email and app notifications for updates on transaction status.
- Avoid attempting multiple withdrawals simultaneously; wait for one to clear before initiating another.
Final Thoughts
Withdrawing USD via Bank Transfer (ACH) on OKX offers a reliable, secure way to access your funds when you need them. By following the steps outlined above—whether on desktop or mobile—you can complete transactions with confidence, knowing your data is protected through trusted partners like Plaid.
Remember, successful withdrawals depend on accurate information, proper verification, and awareness of processing times. Stay informed, keep your security settings up to date, and leverage OKX’s intuitive tools to manage your finances seamlessly.
👉 Maximize control over your digital assets with fast, secure USD withdrawals via ACH.
By integrating these practices into your routine, you ensure a frictionless experience every time you move funds from your OKX account to your bank.