Crypto.com Wire Transfer: Not Showing, Pending, Delay & Stuck USD Transfers

Just think you sent a wire transfer from your bank to Crypto.com, the bank deducted the money from your account, but you don’t see it in the app. Obviously, you feel the tension. And you are not the only one, thousands of users face this problem daily. Sometimes users say Crypto.com wire transfer does not show, sometimes it stays stuck in pending, sometimes it delays, and then the issue of bank transfer not credited comes up. Some people even directly say their USD wire transfer stuck.

But the reality is that in most of the cases the money is safe, the delay is just in the banking and Crypto.com compliance system. In this blog, we will explain you in simple language, why the problem occurs, what you should check, and how you can solve it step by step.

Crypto.com Wire Transfer Not Showing

What Does It Mean?

If you send a transfer and it does not reflect in the app, it does not mean you lost the money.

Possible Reasons

• The intermediary or correspondent bank still holds the money.
  
• Crypto.com has started a compliance (AML/KYC) check.
  
• You either entered the reference ID wrongly or missed it.
  
• The Crypto.com system has not posted the transaction yet.
  

👉 In simple words: the money is safe, there is just a delay in reflecting.

Read also: Crypto.com funds not showing up

Crypto.com Wire Transfer Pending — Why Does It Happen?

When a transfer stays pending, Crypto.com either reviews it or the funds still travel between the banks.
Many users also search for Crypto.com withdrawal pending, which is a similar issue — in both cases, the transaction is safe but waiting for clearance.

Common Causes

• If you are making a large or first transfer, a compliance review takes place.
  
• The KYC of the Crypto.com account is incomplete.
  
• The name of the bank account and Crypto.com profile are not matching.
  
• You sent the transfer on a holiday or weekend.
  

Crypto.com Wire Transfer Delay Most Common Complaint

Users mostly complain that the transfer delays.

Main Reasons

• The intermediary bank holds the funds for 2–3 days.
  
• Reference ID is incorrect or missing.
  
• There is a high load on Crypto.com’s system.
  
• Due to the large amount, the system requires extra checking.
  

Crypto.com Bank Transfer Not Credited — Meaning Money Did Not Come

This situation occurs when your money is not visible in the account even after sending it.

Possible Reasons

• Bank account name and Crypto.com profile do not match.
  
• Reference ID not entered.
  
• Bank sent back funds due to incomplete details.
  

If your Crypto.com bank transfer not credited issue continues, then both immediate support and your bank have to be involved.

Crypto.com USD Wire Transfer Stuck — Most Frustrating

USD wire transfer sometimes gets stuck in extra checks.

Situations When It Gets Stuck

• Correspondent bank holds it for compliance.
  
• Delay occurs due to sending transfer during weekend or holiday.
  
• SWIFT code or routing number was entered incorrectly.
  

Normally these transfers can take up to 3–7 business days.

Quick Reference Table — Problems & Fixes

How to Fix a Stuck Crypto.com Wire Transfer

Confirm With Bank

First of all check your bank statement. If the money has been deducted and the status is “sent”, get a transaction receipt or SWIFT copy from your bank. This proof is mandatory to show to Crypto.com.

Check Transfer Details Again

Cross-check the account number, routing code, SWIFT/BIC and reference ID given by Crypto.com. Many users make the mistake of missing the reference ID — and this is the biggest reason for delay.

Complete KYC

If your Crypto.com KYC is incomplete, the wire transfer gets stuck in pending. Complete the identity verification and address proof in the app. This problem will not arise in the future as well.

Contact Support

If the transfer is not reflecting even after 2–3 business days, raise a ticket in the support section of the Crypto.com app. Do not forget to attach these documents:

• Bank transaction receipt / SWIFT copy
  
• Wire reference number
  
• Date and amount
  

👉 The clearer the proof, the faster the resolution will be.

Request a Wire Trace From the Bank

If Crypto.com says that they have not received the money, request a wire trace from your bank. The bank will tell where the money is exactly stuck — with the sending bank, intermediary or with Crypto.com.

Keep Tracking the Progress

Crypto.com transfers sometimes take 5–7 days, especially due to compliance hold or weekend. Keep checking your email, app and status page. If you have raised a support ticket, do polite follow-up.

Example – How Does Delay Happen?

Suppose you sent $2,500 on Friday evening:

• Monday: Bank started the process.
  
• Tuesday: Intermediary bank put compliance hold.
  
• Wednesday: Crypto.com received funds.
  
• Thursday: Your account got credited.
  

👉 The reason for delay here was weekend + intermediary hold.

How to Avoid Issues in Future?

• Always use your personal bank account in your name.
  
• Don’t forget to enter the reference ID correctly.
  
• Send transfers on weekdays only, avoid weekends.
  
• Inform the bank before sending a large amount.
  
• Keep KYC of Crypto.com account complete.
  
  

Conclusion

If your Crypto.com wire transfer not showing, pending or stuck, then there is no need to worry. In 99% of cases, money is safe. The problem comes either due to bank’s delay, intermediate hold, or Crypto.com’s compliance system.

You just have to follow the steps:

• Confirm with the bank
  
• Check the transfer details
  
• Complete KYC
  
• Contact support
  
• And get the wire traced if needed
  

And take simple precautions in future write the reference ID correctly, transfer on weekdays, and keep KYC complete. That’s it, your funds will be credited smoothly.