Updated on 05 October 2022

Fiat deposit

My bank account is still pending.

You can initiate Fund Requests and deposits with a “pending” bank account. Just make sure that you are not sending funds to Liquid from someone else’s bank account.

Due to KYC/AML regulations, we only support bank accounts that are under your name. Deposits made from bank accounts that do not share the name with their Liquid accounts will be returned to the original sender. All subsequent bank fees will be borne by the original sender.

Liquid also does not support deposits from Transferwise. Deposits made from any third-party payment processors and not directly linked to users' bank accounts will not be credited. Please contact Transferwise to recall your funds.

My deposit is taking too long to arrive.

Please refer to our section on fiat deposits. If your fiat deposit is taking too long, contact us through email or live chat when logged into your Liquid web or mobile app.

EUR SEPA deposits are processed on business days at 8AM UTC (5PM JST), not including EU bank holidays. They can take up to 1 business day to be credited to your Liquid account.

If your deposit has not been credited to your account within the stated time frame, please contact our customer support team. Kindly attach a screenshot of the transaction details to help us speed up the process.

Banking details for USD and EUR deposits on Liquid have changed.

Please use the bank details to deposit USD, EUR, and other supported fiat currencies in this article.

SWIFT deposits and withdrawals may be subjected to additional fees charged by your bank. Please contact your bank should you require further information about such charges.

For fiat withdrawal fee charges, refer here.

The Fund Request meant for my deposit is canceled.

A Fund Request left unapproved for 10 days from its creation will be canceled automatically by the system. Once canceled, it cannot be approved or recovered and will lead to delays in verifying your deposit. It is highly recommended that you make the bank transaction right after creating a Fund Request.

The amount credited to my Liquid account is less than what I originally deposited.

Liquid does not charge fees for incoming fiat deposits. We credit to our customers what we receive from our banks and payment processors. If your deposit is not the full amount when credited to your Liquid account, the difference is always the bank fee. This can include transaction fees, conversion fees, and intermediary fees.

Crypto deposit

My deposit is taking a while.

In normal network conditions (no congestion or fee surge), a crypto deposit will be credited to your account 30-60 minutes after transfer time. System credits crypto deposits to user accounts after a number of confirmations. Please go here to know more.

If a transaction has more confirmations than the required number and is still not credited to your account, please alert us through email or live chat when logged into your Liquid web or mobile app.

I forgot to add Memo ID / Payment ID / Destination Tag to my deposit.

For certain tokens such as XRP, XLM, and ETN, the Memo ID / Payment ID / Destination Tag works as a Liquid account indicator and is required in order for your deposit to be credited to your account. Failure to include these indicators in transacting will result in the loss of your deposit.

I used my old / incorrect wallet address for my deposit.

Depositing to incorrect wallet addresses causes funds to become "lost in transit", and thus will not reflect on your Liquid account. Liquid can attempt to retrieve these tokens, but delivery cannot be guaranteed, and a significant administrative fee will be charged.

Effective October 30, 2022 all deposits made to compromised wallets will no longer be retrieved, thank you

I deposited a token while its deposit service was being disabled by Liquid.

Tokens that are going through token swap or hard fork on Liquid will be unavailable for deposits/withdrawals until the upgrade is completed. Deposits made during this period are not guaranteed to be retrieved and will be treated on a best-effort and case-by-case basis.

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