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**What to Do If Your Money Isn't Showing Up on Kraken: Fixes & Common Questions**
When you add money to your Kraken account, it’s supposed to be a pretty quick process. But sometimes, you might notice that your funds aren't showing up the way you expected. If you're asking yourself, “Why hasn’t my money shown up on Kraken yet?” don’t worry. This guide will break down everything you need to know about the common reasons for this issue, how to fix it, and how you can keep track of your deposits.
**🔍 Table of Contents**
1. **Reasons Your Deposit Might Be Missing**
2. **How Long Should Deposits Normally Take?**
3. **How to Check Your Deposit Status**
4. **Steps to Resolve Missing Deposits**
5. **Common Questions Regarding Missing Deposits**
6. ****
7. **Tips to Avoid Future Deposit Issues**
**1. Reasons Your Deposit Might Be Missing**
**🔹 A. Delays in Bank Transfers**
Bank transfers can sometimes take longer than expected. Here's a quick breakdown of typical timelines:
- **SEPA (EUR):** Usually 0 to 1 business day
- **ACH (USD):** Takes about 1 to 3 business days
- **SWIFT/Wire transfers:** Can take anywhere from 1 to 5 business days
- **Don’t forget:** Weekends and holidays can slow things down because banks often don’t process transfers on these days.
**🔹 B. Issues with Cryptocurrency Deposits**
When it comes to crypto, there can be a few hang-ups:
- If your transaction is still waiting for confirmations on the blockchain, it can take anywhere from 10 minutes to 1 hour.
- Make sure you sent your funds to the correct deposit address, especially if you’re dealing with coins like XRP or XLM.
- Low network fees can slow your Bitcoin or Ethereum transfers too.
**🔹 C. Problems with Account Verification**
Sometimes, things don’t move forward because your account needs more verification. Here’s what might be going on:
- If you haven't completed the Intermediate or Pro verification, it might hold you back from making fiat deposits.
- Your ID may not have passed verification due to being blurry, expired, or just not clear enough.
**🔹 D. Security and Compliance Holds**
Large deposits might raise red flags and result in a manual review. If you have any suspicion of fraud, it’s best to reach out and ask for support.
**2. How Long Should Deposits Normally Take?**
| **Deposit Method** | **Estimated Time** |
|------------------|------------------|
| **Faster Payments (GBP)** | Minutes to Hours |
| **SEPA (EUR)** | 0 to 1 Business Day |
| **ACH (USD)** | 1 to 3 Business Days |
| **SWIFT/Wire (USD/EUR)** | 1 to 5 Business Days |
| **Bitcoin (BTC)** | 10 to 60 Minutes (after 6 confirmations) |
| **Ethereum (ETH)** | 5 to 30 Minutes (after 30 confirmations) |
| **Stablecoins (USDT, USDC)** | 5 to 20 Minutes |
**3. How to Check Your Deposit Status**
**✅ For Bank Transfers (Fiat)**
1. Head over to **Funding → History**
2. Look for your deposit's status:
- If it says **Pending**: It's still being processed.
- If it shows **Completed**: Your funds should be there.
**✅ For Crypto Deposits**
1. Navigate to **Funding → Deposits → [Your Crypto]**
2. Check:
- The **transaction status** (it will say Confirming or Completed)
- The **blockchain confirmations** (you can check this on sites like [Etherscan](https://etherscan.io) for Ethereum).
**4. Steps to Resolve Missing Deposits**
**🔧 Step 1: Verify Your Account**
- Make sure that you have completed the **Intermediate or Pro verification**.
- If asked, submit a **clear, valid ID**.
**🔧 Step 2: Check Your Transaction Details**
- For **bank transfers**, confirm that you’ve got the right **IBAN/SWIFT info**.
- For **crypto deposits**, double-check your **address and memo tag** (if needed).
**🔧 Step 3: Contact Support if Necessary**
- Make sure to provide:
- Your **transaction ID**
- A **screenshot** of your bank transfer (for fiat)
- The **blockchain TX hash** for crypto transactions.
**5. Common Questions Regarding Missing Deposits**
**❓ Q1: Why is my deposit still pending after 3 days?**
A: There could be a few reasons, such as:
- Your **bank might be experiencing delays**, so consider giving them a call.
- Your **account verification might still be pending**—check your status.
- It might be under **manual review**; contacting Kraken Support can clarify things.
**❓ Q2: Can I cancel a pending deposit?**
A: Unfortunately, **no**, once a deposit has started, you can't cancel it.
**❓ Q3: What if I sent crypto to the wrong address?**
A: **Funds could be lost.** Always double-check the address before sending anything.
**❓ Q4: Does Kraken hold first-time deposits?**
A: Sometimes, especially for larger sums or if your account isn’t fully verified yet.
**❓ Q5: What should I do if my crypto deposit doesn’t show after an hour?**
A: Check:
- The **blockchain for confirmations** (you can use resources like [Blockchair](https://blockchair.com) for Bitcoin).
- Whether you used the **correct memo tag** for deposits like XRP or XLM.
**6. Troubleshooting and Support Contacts**
| **Issue** | **Solution** |
|-----------|-------------|
| **Missing bank deposit for more than 3 days** | Start by contacting your bank, then reach out to Kraken Support as well. |
| **Crypto deposit is not showing** | Look up the blockchain confirmations to see where it stands. |
| **Need account verification** | Upload your ID under **Settings → Verification**. |
**7. Tips to Avoid Future Deposit Issues**
✔ Use quicker payment methods whenever possible, like SEPA, Faster Payments, or stablecoins.
✔ Make sure you complete the verification process before making a deposit.
✔ Always double-check your deposit details, whether it's an address, memo, or bank information.
✔ Try to avoid doing bank transfers on weekends or holidays to lessen the chances of delays.
**🔑 Key Takeaways**
- Bank deposits can take anywhere from 0 to 5 business days, especially for SEPA and Faster Payments.
- Crypto deposits generally should land in 5 to 60 minutes after required confirmations.
- Make sure your account is verified to help speed up the process.
- If your money isn’t where you expected it to be, don’t hesitate to reach out to support.
**Final Thoughts**
Usually, missing deposits are due to bank delays, issues with verification, or mistakes with transaction details. By following this guide, you can keep track of where your money is and figure out how to tackle any problems that come up.
Related Articles
- You can reach out to **Kraken Support** and [submit a ticket]().
| **Deposit marked Completed but you don’t see it** | Get in touch with [Kraken Support](). |