On Polymarket US, the regulated US exchange, a withdrawal takes about 3-4 business days by debit card or bank transfer (ACH) and about 1 business day by wire, with no fee on Polymarket's side (as of September 4, 2026). The catch is that the deposit has to clear first, another 3-4 business days. So $100 sent by ACH on Monday clears around Thursday, and a withdrawal requested then is not back in your bank until the following week, even when nothing goes wrong. Those clocks belong to Polymarket US. The global crypto site at polymarket.com runs on different rails, and which venue you are on decides every number below.
These are published platform rules and prices, not predictions of fact and not financial advice. 18+, availability varies by state.
| Polymarket US | Polymarket (global site) | |
|---|---|---|
| What Your Balance Is | US dollars on a regulated exchange | Crypto (settles in tokens, not USD) |
| Deposit Rails | Debit card, bank transfer (ACH), wire | Crypto transfers across several chains |
| Who Can Fund It | US users, subject to state availability | Not US users; depositing is blocked by region |
| Withdrawal Goes To | The payment method you deposited from | A wallet address you choose |
That last row decides everything else on this page: US money travels a closed loop through your own bank; global-site money travels to whatever wallet address you type. Every number below is tagged to its venue, because a figure from one is simply wrong on the other.
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Card And ACH Have No Published Minimum, Wires Start At $1,000
On Polymarket US, the published funding rules list no minimum deposit for debit card or bank transfer (ACH) deposits. The one stated minimum is for wires: $1,000, with no maximum. Card and ACH deposits carry a $50,000 daily limit instead. So in practice the floor on the US exchange is whatever your bank will send, and the sign-up offer below sets its own practical floor of $10, since that is the deposit that unlocks it.
The global site does post minimums, and they vary by token and chain. Polymarket's help center gives $20 for Ethereum and $3 for Solana as examples, and notes that a deposit below the minimum sits pending until your cumulative deposits reach it. That pending rule is a different design entirely from the US exchange, where a deposit either arrives or fails, and it is the first example of why venue-blind instructions cost people time.
Card And ACH Withdrawals Take 3-4 Business Days, After The Deposit Clears
Polymarket US publishes its withdrawal clocks by method, and the same clocks govern deposits clearing:
| Method (Polymarket US) | Stated minimum | Deposit fully clears | Withdrawal processing |
|---|---|---|---|
| Debit Card | None published | 3-4 business days | 3-4 business days |
| Bank Transfer (ACH) | None published | 3-4 business days | 3-4 business days |
| Wire Transfer | $1,000 | 1 business day | 1 business day |
The column that catches people is the middle one, because of a feature that feels like a contradiction: card and ACH deposits may be credited with instant buying power, up to that $50,000 daily limit, while the deposit is still processing. You can trade immediately. You cannot withdraw immediately. The deposit has to fully clear first, which is the 3-4 business days in the table, and Polymarket US says plainly that if a deposit is still pending after 5 business days you should contact support. Two more rules shape the exit: withdrawals must return to the same payment method you deposited from, never a new or third-party account, and they are processed in the order your deposits were made, a first-in-first-out queue the exchange runs for anti-money-laundering compliance.
For the global site we could not verify a published processing time or fee for crypto withdrawals, so we will not print one. The mechanics are different in kind anyway: you enter a recipient wallet address, pick the token, amount, and network, and the funds are sent to that address once processed. Speed there is a property of the blockchain you chose, not of a banking queue.
Polymarket US Charges Nothing To Deposit Or Withdraw, Your Bank Might
This one is short, because Polymarket US's own fee schedule answers it in one line: Polymarket US does not charge fees for deposits or withdrawals. The honest asterisk belongs to the rest of the chain, and the schedule says that too: your bank, ACH provider, or payment processor may charge separate transaction fees. Moving money is free on the exchange's side; trading is where the exchange earns, and that cost applies when you buy and sell contracts, not when you fund or cash out. Run the $100 example below through this answer and the exchange's side of the ledger is $0 on the way in and $0 on the way out; the only possible line item on the whole round trip is whatever your own bank charges for the transfer. Fee schedules are their own subject with their own traps, and our breakdown of how Kalshi's fees work shows, line by line, how to read an event-contract fee schedule so the same reading habit transfers to any venue you fund.
A Worked Example: The Life Of A $100 Deposit
Put the three answers together and follow $100 through the US exchange, because the sequence is where the rules stop being trivia. You send $100 by ACH on a Monday. There was no minimum to clear, so it goes through, and instant buying power means you can take a position that afternoon, say 200 contracts at 40 cents costing $80. The deposit itself keeps clearing in the background through roughly Thursday. Now suppose the market resolves your way and your balance reads $220 in cash: the $200 the contracts paid out plus the $20 of the deposit you never spent. Request a withdrawal Thursday and the money can only travel back to the same bank account it came from, and it processes in 3-4 business days, so the round trip from first deposit to money back in your bank spans a bit over a week even though nothing went wrong anywhere.
What Can Go Wrong, And Why It Usually Is Not A Fault
Most "Polymarket won't let me withdraw" complaints are one of three mechanics working as designed. All three are visible in the rules above, which is the point of having read them.
The deposit has not cleared yet. A first withdrawal in particular tends to feel slower than later ones, because it usually follows close behind a first deposit: it waits out the clearing clock plus the processing clock back to back, where a withdrawal from a long-funded account only pays the second clock.
The account, or the deposit, is under verification. Polymarket US is a regulated exchange, so it verifies identity at sign-up and requires that every deposit come from an account in your own name, with deposits subject to verification checks. A name mismatch, a third-party funding source, or a routine review holds the money until a human or a system clears it. That hold is also the reason the venue can offer a dollars-in, dollars-out loop through the banking system at all.
The money is in positions, not in cash. You withdraw your cash balance. Money sitting in open contracts only turns back into cash when you sell the position or it settles, so a screen showing plenty of value can still show little to withdraw. If you want the fuller picture of how these markets work, the hub covers it, and the event-contract basics explain what a position even is.
The 30-second diagnostic.Can you trade the money but not withdraw it? The deposit is still clearing. Is the app asking questions instead of paying? Verification is running, and same-name funding answers it fastest. Is the balance big but the cash small? The money is in open positions, and selling or settlement is the only way it becomes cash again.
All three resolve on their own clock, with the money intact the whole way through. The failure mode worth actual fear is the venue mix-up this page opened with: following global-site crypto instructions on the US exchange, or vice versa, and concluding the product is broken when the instructions were simply for the other company.
The Sign-Up Bonus Has Its Own Withdrawal Rule
If you fund the US app through a sign-up offer, the bonus does not behave like your deposit. Polymarket US's own FAQ is direct about it: promotional credit can only be used for trading, and it cannot be withdrawn until after it has been used for trading. So the right mental model is extra buying power that has to earn its way out. Your deposit follows every rule above; the bonus has to go through the market before anything it becomes can come out.
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18+ Only. Restrictions and eligibility requirements apply. Not available in all jurisdictions. Trading is risky. 100% loss can occur. See polymarket.com/tos for more information. The Polymarket US App serves as an independent software provider and affiliate of Polymarket US and Polymarket Clearing, the CFTC-regulated exchange and clearing organization.
More on this: Kalshi Deposits And Withdrawals: Minimums, Timing And What Holds Money Up · NoVig Deposits And Withdrawals: What To Expect Getting Money In And Out · Polymarket Traders: What The Leaderboard Screenshots Leave Out · Polymarket Player Props: 3 Rules That Split From Kalshi · How To Play On Polymarket: 5 Ways It Differs From Kalshi
The Two-Venue Rule Is The Whole Page
Numbers like these move, so confirm them in the app before you fund anything; the venue split itself is the part that will still be true when they do. Read any money instruction with "which Polymarket?" as your first question, the way our side-by-side of Kalshi and Polymarket reads the two exchanges, and the mechanics stop being mysterious.
Trading the regulated venue instead? Our Kalshi deposits and withdrawals guide runs the same money-mechanics questions for the CFTC exchange.
