Instant Credit on Deposits

Our Instant Credit feature allows customers to instantly gain access to 100% of their deposit amount (up to $25K per transaction) for Exchange purchases. Please note that Instant Credit is dependent on the connection between Plaid and your linked bank account to conduct the available balance check. 

To make a deposit

  • Click profile icon (top right of browser)
  • Select 'Banking and Transfers' from the dropdown
  • Click 'ACH Deposit' and input desired amount
  • Once confirmed, your deposit will initiate, and 100% of the amount will be available (up to $25K).

When any portion of instant credit is spent, cards purchased since making the corresponding deposit will remain in the Vault and cannot be requested for outtake or listed for sale on Exchange until the deposit is settled. Also, customers can't withdraw any portion of instant credit until the deposit is settled. Deposits typically take 5 business days to settle via the Automated Clearing House network (ACH) used by banks to transfer funds.

*Any pending account charges will be deducted from instant credit.

*To receive 100% Instant Credit, your deposit amount needs to be less or equal to 70% of your bank balance. For example, you need to have $7143 or more in your bank account to get a $5K instant credit.

*If you have not received instant credit, the funds will be available after ACH settlement.

For further assistance, please contact us through the messenger located in the corner of your browser or reach out to

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