Withdrawal holds compared, exchange by exchange
28 published rules across 7 exchanges. The same action gets you 24 hours at one exchange and seven days at another, and nobody publishes the comparison — each exchange documents only its own.
| Exchange | What you did | Hold | What is frozen |
|---|---|---|---|
| Kraken | Bought crypto with a debit or credit card, Apple Pay or Google Pay | 3 days | Only the amount you deposited or bought is held — the rest of your balance still moves |
| Kraken | Bought with a bank transfer through ACH Plaid | 7 days | Only the amount you deposited or bought is held — the rest of your balance still moves |
| Kraken | Funded with PayPal | 3 days | Only the amount you deposited or bought is held — the rest of your balance still moves |
| Kraken | Changed your password | 24 hours | Only newly added addresses are blocked — addresses already on your account still work |
| Kraken | Received a cash transfer from someone else (Krak) | 3 days | Only the amount you deposited or bought is held — the rest of your balance still moves |
| Binance.US | Deposited USD by ACH bank transfer | 7 days | Only the amount you deposited or bought is held — the rest of your balance still moves |
| Binance.US | Reset two-factor authentication or changed your password | 2 days | Nothing can be withdrawn until it lifts |
| Binance.US | Changed the email address on the account | 5 days | Nothing can be withdrawn until it lifts |
| Binance.US | Added a new payment method | 24 hours | Nothing can be withdrawn until it lifts |
| Binance.US | Received a referral reward | 7 days | Only the amount you deposited or bought is held — the rest of your balance still moves |
| Binance.US | Identity verification is still in progress | Not published | Nothing can be withdrawn until it lifts |
| KuCoin | Changed, unlinked or reset Google 2FA | 24 hours | Nothing can be withdrawn until it lifts |
| KuCoin | Changed or reset your trading password | 24 hours | Nothing can be withdrawn until it lifts |
| KuCoin | Reset your login password with "Forgot password?" | 24 hours | Nothing can be withdrawn until it lifts |
| KuCoin | Changed or unlinked your phone number | 24 hours | Nothing can be withdrawn until it lifts |
| KuCoin | Changed or unlinked your email | 24 hours | Nothing can be withdrawn until it lifts |
| KuCoin | Deleted a passkey | 24 hours | Nothing can be withdrawn until it lifts |
| KuCoin | Your account was just unfrozen | 24 hours | Nothing can be withdrawn until it lifts |
| OKX | Changed your login password | 24 hours | Nothing can be withdrawn until it lifts |
| OKX | Changed any authentication method | 24 hours | Nothing can be withdrawn until it lifts |
| OKX | Added a new address to the allowlist | 24 hours | Only newly added addresses are blocked — addresses already on your account still work |
| OKX | Withdrew to an address flagged as high risk | 2 days | Nothing can be withdrawn until it lifts |
| OKX | Bought through P2P (T+N restriction) | Not published | Only the amount you deposited or bought is held — the rest of your balance still moves |
| Crypto.com App | Whitelisted a new withdrawal address | 24 hours | Only newly added addresses are blocked — addresses already on your account still work |
| Crypto.com App | Reset or disabled two-factor authentication | 24 hours | Nothing can be withdrawn until it lifts |
| Coinbase | Deposited cash from a bank account | Not published | Only the amount you deposited or bought is held — the rest of your balance still moves |
| Coinbase | A security or fraud-prevention hold | Not published | Nothing can be withdrawn until it lifts |
| Gemini | Added a new approved withdrawal address | 7 days | Only newly added addresses are blocked — addresses already on your account still work |
What the table shows once you read down it
Reversible funding is what buys you a long hold. Card and bank deposits can be pulled back by the sender weeks later, so exchanges sit on the equivalent amount until the payment is final — seven days at Binance.US and Kraken. Account changes are shorter, 24 to 48 hours, because the risk they cover is an attacker who has just taken over the account and wants to move fast.
The outlier is Gemini: seven days on a newly approved withdrawal address, where most exchanges use 24 hours. If you use Gemini, add an address before you need it.
Not yet researched
Binance (global) and Bybit are missing from this table because nobody has read their pages yet — not because they have no holds. An empty row would read as "no hold here", which is a claim we have not checked.
Work out your own date
The calculator takes your exchange, what you did and when, and gives the exact moment withdrawals reopen.
Every figure read off the exchange's own help pages. Data version 2, last updated September 1, 2026. Sources and per-exchange verification dates are on each exchange's page.
No wallet connection. No seed phrase. Read-only — we never ask for one, and no legitimate service ever will.