There is no minimum deposit amount for USD.
Circle charges no fees for deposits. Your bank might charge you wire transfer and foreign exchange (FX) fees. For more details on fees, please see our fee schedule.
Wire transfers are processed from Monday to Friday, excluding holidays observed by the Federal Reserve System.
Circle mints USDC only after your deposit is received in our bank account. The time it takes for your deposit to settle depends on the funding method you use.
For fastest processing, we support 24/7/365 rails such as book and RTP transfers, which enable near-instant USDC minting. We also accept wire transfers, though settlement times may vary depending on your bank and the global payments network.
Once funds arrive, we verify the wire details against your provided information and confirm the deposit does not exceed your weekly limit before minting USDC.
When we receive an incoming bank transfer, the originating bank sends us the bank account holder's name and address information. We check for name and address matching on every incoming bank transfer. If there is a mismatch, our team will review the transfer, which may introduce a delay in your deposit. If our team determines that the names and/or addresses do not match, the wire will be returned to your bank account. Please review our fee schedule here.
If you believe that your account may be held up in this fashion and have additional information to provide, please contact support.
Your funds will be returned to your account if your wire transfer takes you above your weekly limit. Please review our fee schedule here, and for more information about requesting a limit increase, please review this article.