Your cash and bitcoin balances can include available and pending amounts. You can buy and sell bitcoin with pending funds right away, but sending, spending, and withdrawing wait for the deposit to settle.

You can check your balance breakdown in the mobile app: visit your “Cash” or “bitcoin” tab and tap the “Balance” button below the amount. If you have any active loans or target orders, you’ll also see the reserved amounts.

What the pending balance includes

Your available balance is the amount you can send, spend, or withdraw immediately. It’s your total minus any reserved and pending amounts:

  • Loan proceeds: Clear within one business day.
  • Bank deposits: ACH transfers still in transit, including any you used to fund a bitcoin purchase directly.

Bitcoin you buy with pending cash is pending itself. It’s yours and it shows in your bitcoin balance, but you can’t send, spend, or withdraw it until the deposit behind it settles. Selling it back to cash doesn’t change when it settles, and settled cash elsewhere in your balance doesn’t make it sendable.

How long a bank deposit stays pending

Bank transfer is the only deposit method with a pending period for sending, spending, and withdrawing.

A deposit typically settles in ~5 business days: one started on Monday shows as a debit in your bank’s transaction activity on Tuesday and completes on Friday. Your bank showing the money as gone and Strike receiving it are two different events, and the wait confirms the deposit reached Strike.

That timeline is typical rather than a ceiling. Your deposit history, balances, and account status can each add holding days.

How to withdraw pending funds

Select personal accounts have early access to send, spend, or withdraw up to $5,000 of still-pending funds every 7 days. The allowance is consumed only when pending funds move out of the balance, so buying bitcoin with pending cash and holding it costs nothing against the allowance.

Eligibility depends on your region and account standing. Businesses aren’t eligible. To view whether “Strike Instant” is available for you, visit the “Account” screen and “Limits”.

“Strike Instant” is separate from the paid “Instant” withdrawal speed, which runs on real-time payments (RTP) and lets you withdraw cash that’s already available.