Sell Bitcoin in the United States (2026)

Status: Legal
Pays out in: United States dollar (USD)
Exchanges paying out: 8 of 8
Last reviewed: 2026-08-23

All of the 8 exchanges we recommend in the United States pay out in USD: Coinbase, Kraken, Gemini, River, Swan Bitcoin, Strike, Binance.US and CEX.IO. The rails are Instant card cashout, Instant bank cashout (RTP), ACH transfer, Wire transfer (FedWire), Instant Transfer (RTP), SWIFT transfer, Bank transfer (ACH), Wire transfer, Withdrawal to a linked bank account, Outbound wire, US Dollar Withdrawal to the bank on file, Standard ACH bank withdrawal, Instant delivery, Credit or debit card and PayPal. The order below is the same ranking the buying guide uses; an exchange that appears there and not here publishes no USD payout rail we could verify.

Where to sell and how the money comes out

Each recommended exchange that pays out in the United States, the rails it pays out on, and the fee and speed it publishes for each.
Exchange	Withdraw to	Fee	Speed	Note
Coinbase#1 in the buying guide	Instant card cashout	Not recorded	Typically around 30 minutes, and up to 24 hours	The card must be connected to the Coinbase account and verified; Coinbase sets no limit but the card provider may.
Coinbase#1 in the buying guide	Instant bank cashout (RTP)	Not recorded	Typically around 30 minutes, and up to 24 hours	Needs an RTP enabled US bank account and a USD or USDC balance; limit of 100,000 dollars per transaction.
Kraken#2 in the buying guide	ACH transfer	free, 1 USD minimum	0 to 2 business days, cutoff at 2pm EST
	Wire transfer (FedWire)	4 USD per withdrawal, 20 USD minimum	0 to 1 business days	Availability may be limited to specific regions; the two FedWire providers are Customers Bank and Dart Bank.
	Instant Transfer (RTP)	1.50% of the withdrawal, 50 USD maximum, 20 USD minimum	near-instant	The connected bank must support RTP, and Kraken cannot enable it.
	SWIFT transfer	14 USD per withdrawal, 100 USD minimum	1 to 5 business days	Listed as worldwide, through Bank Frick; fees may vary with the country of residence on the account. Kraken lists this rail for USD payouts rather than for United States by name.
Gemini#3 in the buying guide	Bank transfer (ACH)	Not recorded	Not recorded	Domestic U.S. banks only, to a bank account linked and in your own name.
Gemini#3 in the buying guide	Wire transfer	Not recorded	Not recorded	Minimum withdrawal per currency: USD 25.01 and SGD 25.01, each including the wire withdrawal fee, CAD 135, EUR 2, GBP 2, HKD 400. Gemini lists this rail for USD payouts rather than for United States by name.
River#4 in the buying guide	Withdrawal to a linked bank account	Standard free, instant 1% of the amount (USD 1.00 minimum, USD 150.00 maximum)	Standard 1 to 3 business days, instant typically within seconds though timing may vary by bank	Minimum USD 10, instant speed only in the River app and only if the receiving bank supports instant payments. River lists this rail for USD payouts rather than for United States by name.
River#4 in the buying guide	Outbound wire	Free from River, though your banking partner may charge a small processing fee	Up to 1 business day	Minimum USD 1,000. River lists this rail for USD payouts rather than for United States by name.
Swan Bitcoin#5 in the buying guide	US Dollar Withdrawal to the bank on file	Not recorded	1 to 3 business days	Not all of the USD balance may be available: only the amount shown as available to withdraw can be sent, and the dashboard shows the unlocking timeline. Swan Bitcoin lists this rail for USD payouts rather than for United States by name.
Strike#6 in the buying guide	Standard ACH bank withdrawal	Not recorded	Not recorded	Paid to a USD bank account you have linked in the Strike app as a payment method, and Strike requires transfers to use an account in your name matching your Strike account. Strike lists this rail for USD payouts rather than for United States by name.
	Wire transfer	USD 15 flat per wire	Not recorded	Minimum wire USD 50,000 and maximum USD 5,000,000. Strike lists this rail for USD payouts rather than for United States by name.
	Instant delivery	1.78% fee (minimum USD 1, maximum USD 150)	Immediate	Optional, and only to a bank that supports instant cash transfers. Strike lists this rail for USD payouts rather than for United States by name.
Binance.US#7 in the buying guide	ACH transfer	Not recorded	1 to 5 business days	A recent ACH deposit cannot be withdrawn for 7 days. USD services are not available in every US state, so ACH may not appear as a payment method. Binance.US lists this rail for USD payouts rather than for United States by name.
Binance.US#7 in the buying guide	Wire transfer	USD 25 per withdrawal	2 to 5 business days	A wire account has to be added and approved before the first wire withdrawal, and the page tells customers to keep a minimum balance of $100 USD. Binance.US lists this rail for USD payouts rather than for United States by name.
CEX.IO#8 in the buying guide	Credit or debit card	0.49% to 4.99% plus a service charge that varies by provider and country	Not recorded	Daily withdrawal USD 20.00 to USD 50,000.00 on Visa and USD 20.00 to USD 2,500.00 on Mastercard; both rows carry footnote 1, which caps new customers at USD 1,000 a day and USD 3,000 a month for the first 3 months after identity verification. CEX.IO lists this rail for USD payouts rather than for United States by name.
	PayPal	3.99% plus USD 5 per withdrawal	Not recorded	Daily withdrawal USD 20.00 to USD 10,000.00, and at least Identity verification is required. CEX.IO lists this rail for USD payouts rather than for United States by name.
	ACH transfer	USD 5 per withdrawal	Not recorded	Minimum withdrawal USD 20; new customers are capped at USD 1,000 a day and USD 3,000 a month for the first 3 months after identity verification. CEX.IO lists this rail for USD payouts rather than for United States by name.

"Not recorded" means the exchange's page we read carries no figure for that cell; the fee on the sale itself is separate and is on each review.

The payout rails in the United States

Instant card cashout

Paid out by Coinbase, CEX.IO.

Credit and debit card payments run over the international card networks, mainly Visa and Mastercard, alongside American Express and domestic schemes such as Cartes Bancaires in France or RuPay in India. Your issuing bank authorises each payment in real time, so the funds are committed the moment the transaction is approved. Visa alone says it connects businesses, banks and governments in more than 200 countries and territories worldwide, which is why this is the most widely available way to fund an exchange account. It is also the rail most likely to be repriced or blocked by your own bank.

The rail itself: Authorisation is real time, so a card deposit normally lands within seconds and rarely takes more than a few minutes.

More about Credit or debit card Buying with Instant card cashout in the United States

Instant bank cashout (RTP)

Paid out by Coinbase, Kraken, River, Swan Bitcoin, Strike.

A local bank transfer moves money between two accounts inside a single country's own payment system, with no correspondent bank and no currency conversion. The scheme is national and different everywhere: SEPA credit transfers and SEPA Instant in the euro area, FedNow and ACH in the United States, Pix in Brazil. The BIS counts fast payment systems live in more than 100 jurisdictions, and the FedNow Service, operated by the Federal Reserve since July 2023, runs a 24 hour business day every day including weekends and holidays. For someone funding an exchange in their own currency this is normally the cheapest option.

The rail itself: Instant rails settle in seconds, and the ECB requires euro instant credit transfers to reach the payee within ten seconds, 24 hours a day, 365 days a year, while older batch transfers still take one or two business days.

More about Local bank transfer

ACH transfer

Paid out by Kraken, Gemini, Strike, Binance.US, CEX.IO.

ACH is the batch clearing network that moves US dollar payments between accounts at US banks and credit unions. Payments clear under the Nacha operating rules through one of two ACH operators, the Federal Reserve's FedACH service and The Clearing House's Electronic Payments Network, which handles roughly half of US commercial ACH volume. The same rail carries payroll direct deposit, bill payments and the bank transfers used to fund and withdraw from an exchange, for accounts held in the United States and its territories, and it pushes or pulls funds by routing and account number rather than by card.

The rail itself: Standard entries normally settle the next banking day, while Same Day ACH has three windows each banking day settling at 1:00 pm, 5:00 pm and 6:00 pm Eastern.

More about ACH transfer Buying with ACH transfer in the United States

Wire transfer (FedWire)

Paid out by Kraken, Gemini, River, Strike, Binance.US.

A wire transfer is a bank to bank push payment sent over a high value settlement system, Fedwire in the United States and its equivalents elsewhere, routed through correspondent banks when it crosses a border. There is no chargeback: once the sending bank releases it the payment is effectively final, which is why exchanges accept wires for large deposits. A cross border wire can pass through one or more intermediary banks, each able to deduct its own charge before the money arrives.

The rail itself: A domestic wire clears the same business day, with Fedwire open from 9pm eastern the previous calendar day until 7pm eastern and closed on weekends and Federal Reserve holidays, while a cross border wire can take several business days.

More about Wire transfer Buying with Wire transfer (FedWire) in the United States

PayPal

Paid out by CEX.IO.

PayPal is a digital wallet and payment service operated by PayPal Holdings, Inc. You link a bank account, a debit card or a credit card, or hold a balance in the account, then pay merchants and send money to other PayPal users without handing over your card details each time. It works in most countries and is accepted at a large share of online checkouts, which is where an exchange that supports it will meet you. The fee and limit figures here are PayPal's published United States consumer schedule; other countries have their own.

The rail itself: A PayPal payment posts to the recipient's account straight away, while moving money back out to your own bank is either the free standard transfer or a faster Instant Transfer that costs extra.

More about PayPal Buying with PayPal in the United States

How a sale settles

Sell on Coinbase, or any exchange in the table
Coinbase ranks first in the the United States buying guide and pays out on Instant card cashout and Instant bank cashout (RTP).
Withdraw USD to Instant card cashout
Coinbase publishes no fee figure for this rail on the page we read.
Wait for the rail to clear
Coinbase states Typically around 30 minutes, and up to 24 hours for Instant card cashout.

Frequently asked questions

Which exchanges let me cash out bitcoin to a bank in the United States?

How long does a withdrawal take in the United States?

It depends on the exchange and the rail. Coinbase on Instant card cashout: Typically around 30 minutes, and up to 24 hours; Coinbase on Instant bank cashout (RTP): Typically around 30 minutes, and up to 24 hours; Kraken on ACH transfer: 0 to 2 business days, cutoff at 2pm EST. Each figure is the exchange's own, read from the page linked under sources.

What does it cost to withdraw USD after selling?

Kraken on ACH transfer: free, 1 USD minimum; Kraken on Wire transfer (FedWire): 4 USD per withdrawal, 20 USD minimum; Kraken on Instant Transfer (RTP): 1.50% of the withdrawal, 50 USD maximum, 20 USD minimum. The trading fee on the sale itself is separate and is on each exchange's review.

Is selling bitcoin legal in the United States?

Bitcoin is legal throughout the United States. Oversight is split among the SEC, the CFTC, FinCEN for anti-money-laundering, and state money transmission regulators, with New York's BitLicense the best-known state regime. The federal picture clarified sharply from 2025 onward: the SEC dropped its enforcement case against Coinbase, the GENIUS Act signed in July 2025 established a federal framework for payment stablecoins, and a March 2025 executive order created a Strategic Bitcoin Reserve.

Do I pay tax when I sell bitcoin in the United States?

Bitcoin disposals generally produce capital gain or loss. The full position, rates and the reporting duty are on the the United States bitcoin tax guide.

Sources

Buying is the other direction: how to buy bitcoin in United States covers the same exchanges with their deposit rails, fees and KYC. What you owe on the sale is a third question: Bitcoin Tax in the United States (2026).

Selling bitcoin elsewhere in North America

74 more countries outside North America have a sell guide; each is linked from its own buying guide.