Voyager generally makes your funds available in your account as soon as deposits clear.
Purchases made with a Bank Transfer (ACH) are pre-credited into your Voyager account so you can trade immediately, but will not be available for withdrawal until the ACH deposit fully clears. Purchases made using your cleared USD funds are available to withdraw instantly.
The ACH bank transfer system typically takes 3-5 business days (which may be as many as 7-10 calendar days, depending on the timing of weekends and other bank holidays) to complete after you initiate the deposit. A withdrawal hold remains in place until your deposit fully clears. This means you cannot withdraw the equivalent amount in Fiat or Crypto of your ACH deposit during for this time. Withdrawals from your Voyager account can never exceed the amount of uncleared ACH deposits.
Because of how the ACH process works, you may see the funds immediately debited from your bank account, but this does not indicate that they have reached your Voyager account. The funds will not be visible in your Voyager account until your payment has finished moving between the banks and clears in our bank account.
Since it may take up to 10 calendar days for ACH transfer to complete, please ensure that your bank balance remains sufficient to cover the deposit for this period of time.