Depositing funds into your OKX account using a U.S. domestic wire transfer is a secure and efficient way to fund your account—especially when moving larger amounts. For verified U.S. residents in eligible states, this method offers fast processing, often within 1–3 business days depending on your bank’s policies. By leveraging your personal bank account and OKX's dedicated deposit details, you can seamlessly transfer USD with confidence.
This guide walks you through the complete process of making a domestic wire transfer to your OKX account, highlights key requirements, and answers frequently asked questions to ensure a smooth experience.
Understanding Domestic Wire Transfers on OKX
A domestic wire transfer allows you to send U.S. dollars directly from your bank to OKX’s receiving account. Unlike ACH or card deposits, wire transfers are typically processed faster and support higher transaction limits—making them ideal for serious traders and investors.
To use this feature:
- You must be a verified U.S. user
- Reside in an eligible state
- Have access to online banking with your financial institution
Once initiated, most transfers are received by OKX within one business day, though some banks may take up to three business days to complete the transaction.
👉 Discover how easy it is to fund your trading journey with a fast, secure wire transfer.
Step-by-Step: How to Deposit USD via Domestic Wire Transfer
On the Web
Follow these steps to deposit via desktop:
- Log in to your OKX account
- Navigate to Assets > Deposit
- Choose United States Dollar (USD) as your currency
- Select Domestic Wire Transfer as the deposit method
Tip: Always double-check that “Domestic Wire Transfer” is selected—not international.
- Review the detailed instructions for a successful transfer
Copy the following details into your bank’s wire transfer form:
- Recipient Name
- Recipient Address
- Routing Number (ABA)
- Account Number
- Confirm all information matches exactly in your banking app
- Ensure the amount falls within your minimum and remaining daily limits
- Submit the transfer
After submission, keep an eye on your deposit status under the transaction history section.
On the Mobile App
Using the OKX mobile app? Here’s how:
- Open the OKX app and tap Deposit
- Select Deposit USD
- Choose Domestic Wire Transfer, then tap Next
- Check your current daily remaining limit before proceeding
- Review step-by-step instructions for accuracy
Log into your bank account and input:
- Recipient Name
- Recipient Address
- Routing Number (ABA)
- Confirm all data is correct in your banking app
- Ensure your deposit amount complies with both minimum and available limits
- Finalize and submit the wire transfer
Important: Never use abbreviations or nicknames when entering recipient details.
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Key Requirements & Best Practices
To avoid delays or rejected transactions, follow these essential guidelines:
- ✅ Name Matching: The name on your bank account must exactly match the name on your OKX account.
- ✅ Accurate Details: Even minor errors in routing numbers or account names can result in failed transfers.
- ✅ Stay Within Limits: Deposits below the minimum or exceeding your remaining limit will be returned.
- ✅ Bank Fees: While OKX does not charge for incoming USD wire deposits, your bank may apply outgoing transfer fees.
Minimum & Maximum Deposit Limits
While specific thresholds vary based on verification level and region, typical parameters include:
- Minimum deposit: Usually $50 or equivalent
- Maximum per transfer: Based on your verified tier and daily remaining allowance
You can view your personalized limits directly on the deposit page by tapping the info icon (i).
Processing Time Expectations
Most domestic wires are credited within:
- 1 business day – If sent early in the day (before 3 PM ET) and processed by a major U.S. bank
- Up to 3 business days – For regional banks or weekend/holiday submissions
Weekend or holiday transfers will begin processing on the next business day.
Frequently Asked Questions (FAQ)
Why can’t I see the "Deposit USD" option?
The USD deposit feature is only available to users who have completed identity verification and reside in supported U.S. states due to regulatory compliance.
Why do I need to verify my identity first?
Verification ensures compliance with U.S. financial regulations, enhances platform security, and enables appropriate risk assessment for payment methods.
My bank says the transfer succeeded, but it hasn’t appeared on OKX—why?
Common causes include:
- Mismatched account holder names
- Incorrect routing or account number
- Amount below minimum or over daily limit
Double-check all entered details against OKX’s provided instructions.
What happens if I exceed my remaining deposit limit?
Any amount above your remaining daily limit will be automatically returned by OKX. This may incur return fees from both your bank and OKX.
Will I lose money if I send less than the minimum?
Yes. Deposits below the minimum threshold are typically returned, which may trigger bank fees. In rare cases, recovery isn’t possible if fees exceed the deposit value.
How do I check my deposit history?
On desktop: Go to Assets > All Deposits
On mobile: Tap Portfolio > Deposit History
All completed and pending deposits are listed here with timestamps and statuses.
Who is The Dart Bank?
The Dart Bank is OKX’s authorized U.S. banking partner responsible for processing domestic wire transfers securely and efficiently.
Why am I sending money to OKCoin USA Inc.?
OKCoin USA Inc. is the official legal entity name under which OKX operates in the United States.
👉 See how verified users enjoy faster deposits, higher limits, and enhanced security features.
Final Tips for a Smooth Deposit Experience
Before initiating any wire transfer:
- Always log in to OKX directly—never rely on cached or saved deposit details
- Use full legal names and addresses without abbreviations
- Save screenshots of your transfer confirmation for reference
- Monitor your email and OKX notifications for deposit updates
With proper preparation, domestic wire transfers offer a reliable path to funding your digital asset activities quickly and securely.
By following this guide, you’re well-equipped to make seamless USD deposits using the domestic wire transfer option on OKX—whether you're scaling your portfolio or executing strategic trades.
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