How to deposit USD to Binance US using wire transfer?

Eligibility and Account Requirements

1. Users must complete full KYC verification on Binance US, including submission of government-issued ID, proof of address, and U.S. tax identification number (SSN or ITIN).

2. The account must be in good standing with no active restrictions or pending compliance reviews.

3. Wire deposits are only available to users residing in the United States with a verified U.S. bank account linked to their Binance US profile.

4. Corporate accounts require additional documentation, such as Articles of Incorporation, EIN confirmation letter, and authorized signatory verification.

Banking Information Setup

1. Navigate to Wallet > Fiat and Spot > Deposit > USD > Wire Transfer in the Binance US web interface.

2. Review and copy the provided beneficiary bank details: routing number, account number, account name (“Binance US LLC”), and SWIFT/BIC code if required for international wires (though domestic ACH/wire only accepts U.S.-based routing).

3. Confirm the deposit amount falls within the daily and monthly limits—$50,000 per day and $250,000 per month for verified individuals.

4. Ensure the sending bank account name matches the name registered on the Binance US account exactly; mismatched names will result in rejection or delay.

Initiating the Wire Transfer

1. Log into your U.S. bank’s online banking platform or visit a branch to initiate an outgoing domestic wire transfer.

2. Enter Binance US’s designated receiving bank information precisely as displayed—any typographical error in routing or account number may cause irreversible loss of funds.

3. Include the unique reference code shown on the Binance US deposit page in the “memo” or “payment details” field; omission prevents automatic credit and triggers manual reconciliation.

4. Retain the wire confirmation number and timestamp—this serves as evidence in case of disputes or delayed settlement.

Funds Processing Timeline

1. Domestic wire transfers typically settle within 1–2 business days after initiation, excluding weekends and federal holidays.

2. Binance US credits the USD balance only after final settlement confirmation from its banking partner—not upon wire initiation or bank-side processing acknowledgment.

3. Delays beyond 3 business days warrant submission of the wire confirmation to Binance US Support via the Help Center ticket system.

4. Funds deposited via wire are immediately eligible for trading, staking, or withdrawal once credited, with no holding period or secondary verification.

Frequently Asked Questions

Q: Can I use a joint bank account to send a wire deposit?Yes, provided at least one account holder is the verified Binance US user and the name on the joint account matches the registered name exactly.

Q: What happens if I forget to include the reference code?The deposit will not auto-credit. You must contact Binance US Support with the wire confirmation and reference code to manually reconcile the transaction.

Q: Are wire deposits reversible after initiation?No. Once a domestic wire is processed by the sending bank, it cannot be canceled or reversed under U.S. Regulation J and Fedwire rules.

Q: Does Binance US charge a fee for incoming wire deposits?No. Binance US does not charge fees for receiving USD via domestic wire; however, the sender’s bank may impose outgoing wire fees, typically between $15 and $35.