How to Deposit on Polymarket (2026): USDC, Cards, Bank and Crypto Transfers
On polymarket.com you deposit with crypto: your account gets a fixed deposit address, you send a supported token on a supported chain, and Polymarket's bridge converts it to pUSD, the collateral used for all trading. On Polymarket US you deposit dollars instead, by debit card, bank transfer (ACH) or wire; crypto is not documented there. As of September 2026 Polymarket charges nothing to deposit or withdraw on the main platform, leaving network gas and any exchange fee as your real costs.
Two products, two deposit systems
The main platform settles in pUSD on Polygon, and polymarket.com shows US visitors a notice reading "Trading is blocked in the United States on polymarket.com," so US residents should not fund an account there. Elsewhere availability depends on your jurisdiction, and using a VPN or any other workaround to get past a geo-block violates the terms. Where local rules allow, you can open the main platform.
Polymarket US is separate: its docs call it "a CFTC-regulated exchange for trading event contracts on real-world outcomes," a "designated contract market (DCM) and derivatives clearing organization (DCO) under CFTC oversight." It lists event contracts rather than perpetual futures, and it is not available in every US state; as of September 2026 its documentation publishes no list of eligible states, so which states are covered is not something we can verify here. See our legality guide.
Polymarket Perps is a third balance. Funding moves pUSD from your Polymarket wallet into a separate Perps account, minimum 10 pUSD, and access "requires a valid Perps referral link or code" during early access. The United States and Canada are blocked from placing orders, and leveraged positions can be liquidated for their full margin. See the Perps hub and country eligibility, or open Perps if your jurisdiction allows.
How a main-platform deposit works
The help centre documents one route in detail: a crypto transfer. Select Deposit, choose the method, pick the token and network, copy your address, send at least the minimum, and refresh once the transaction confirms.
"Each Polymarket account is assigned a fixed crypto deposit address," so it does not rotate, and each address family differs: the help article warns that "your address on Solana or Bitcoin may differ from your Polygon/EVM address." Whatever you send converts on arrival: the docs call pUSD "a standard ERC-20 wrapper that represents a USDC claim," and both native USDC and bridged USDC.e are accepted. The bridge reference lists a minimum and token set per chain:
Those floors are indicative, because Polymarket's own pages disagree: the help centre article quotes "$20 for Ethereum" and "$3 for Solana" where the bridge reference lists $7 and $2. Read the minimum on your own deposit screen; the reference also warns that "supported assets change over time." Sending below it loses nothing but credits nothing, since such deposits "will remain pending until the cumulative amount meets the required minimum." Our beginner tutorial picks up from your first funded balance.
What depositing and withdrawing costs
Polymarket is blunt about its own take: "There are also no Polymarket fees to deposit or withdraw USDC (though intermediaries like Coinbase or MoonPay may charge their own fees)." On the way out, withdrawals are instant and free.
Three costs sit outside its control: gas on the sending chain, which is why $50 from Ethereum mainnet is a poor idea next to $50 from Polygon, Base or Arbitrum; your exchange's own withdrawal fee; and slippage at size, where above $50,000 from non-Polygon chains the docs recommend third-party bridges such as deBridge, Across or Portal. Trading fees are separate; our fees explainer covers all three products.
Funding a Polymarket US account
Polymarket US documents deposits by "debit card, bank transfer (ACH), or wire transfer." The published limits are:
Card and ACH deposits grant instant buying power while they clear, so you can trade before the money settles but cannot withdraw it. Deposits "must come from accounts in your own name and may be subject to verification checks," which rules out paying in from a partner's card. Failures are usually wrong card or bank numbers, wires missing your full name and phone number in the memo, or pending KYC or AML review.
The US fee schedule publishes trading fees but no deposit or withdrawal fees. Its trading fee is a coefficient it calls theta (0.06 for takers, -0.0125 for makers, so makers get a rebate) times contracts, price and one minus price. It peaks at a price of $0.50, where the taker fee is $1.50 per 100 contracts. Withdrawals are described only as happening "securely and for free." Do not assume the main platform's zero-fee wording carries across.
Withdrawing your money
On the main platform: Portfolio, then Withdraw, then the recipient address, token, amount and network, then confirm. Withdrawals are instant and free to any supported chain and token.
The catch is liquidity: converting pUSD back into USDC draws on a pool that "may be exhausted," and the documented fixes are smaller withdrawals or waiting for rebalancing. Above $50,000 the docs again suggest splitting or bridging. You can also withdraw pUSD directly, though some exchanges no longer accept it.
Polymarket US works differently. Withdrawals are available only for deposits that have fully cleared, they "must return to the original funding source used for deposit," and they are "processed in the order deposits were made" for anti-money-laundering reasons. A $100 card deposit followed by a $200 ACH deposit sends your first $100 back to the card. Card and ACH payouts take 3 to 4 business days; wires take 1.
When a deposit goes to the wrong place
The default is unforgiving: "Transactions sent to the wrong chain or address cannot be reversed." There is a partial escape hatch.
A quieter failure is logging in the wrong way: the deposit article tells you to use the same wallet and login method as when you created your account, since a different login can mean a different account and address.
Staying safe while you fund
Once funded, watch where size is going: our free whale tracker ranks the largest holders per market, the alerts feed surfaces big positions live, and live markets show current prices.
Frequently asked questions
Can I deposit with a credit card?
The main platform's help centre documents only a crypto transfer to your bridge address. The only official mention of a card-style on-ramp is the fee page naming Coinbase and MoonPay as intermediaries that may charge their own fees. Polymarket US documents debit card, ACH and wire, and takes no published position on credit cards.
Is there a minimum deposit?
Yes, and it varies. The bridge reference lists per-chain floors from $2 to $9, while the help centre article quotes $20 for Ethereum and $3 for Solana, so use the figure on your deposit screen. On Polymarket US wires require $1,000; card and ACH have no published minimum, and Perps requires 10 pUSD.
How long does a deposit take?
On the main platform funds appear once the transaction confirms on the sending chain; refresh the page. On Polymarket US, card and ACH deposits give instant buying power but take 3 to 4 business days to clear; wires clear in about 1.
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