Withdrawing from Polymarket means sending your cash balance from your Polymarket wallet to a crypto wallet or exchange you control. On the international site, polymarket.com, Polymarket charges no withdrawal fee and the transfer usually lands in under a minute. US residents use the separate Polymarket US app, which pays out to a debit card or bank account instead.
Quick answer (updated September 2026)
- How to withdraw: open Portfolio, click Withdraw, enter the recipient address, choose the token, amount and network, then confirm.
- How long it takes: a crypto withdrawal usually arrives in under a minute. On September 23, 2026, Polymarket's own bridge estimated 26 to 30 seconds for USDC on all six major networks we tested.
- Cash in a bank: add your exchange's cash-out time. Coinbase, for example, lists 1 to 5 business days for a US bank (ACH) cash-out, or instant cash-outs to a debit card or bank account.
- Polymarket US app: debit card and bank (ACH) withdrawals take 3 to 4 business days and wires 1 business day, once your deposit has fully cleared.
- Fees: Polymarket charges no withdrawal fee. In our live quotes, USDC on Polygon cost effectively nothing, and USDC on Arbitrum, Base, Optimism, Solana or Ethereum cost about $0.13 to $0.56 per $100.
If you still need the deposit side, read How to Fund Polymarket with USDC.
How Long Does a Polymarket Withdrawal Take?
It depends on where the money is going: the crypto transfer is fast, and anything that ends in a bank runs on business days.
| Withdrawal route | Typical time | Polymarket fee |
|---|---|---|
| polymarket.com to a crypto wallet or exchange | Usually under a minute, sometimes a few minutes | None |
| polymarket.com to a bank, through an exchange | Minutes for the crypto leg, then your exchange's cash-out time (Coinbase US ACH: 1 to 5 business days) | None |
| Polymarket US app to a debit card | 3 to 4 business days | None |
| Polymarket US app by bank transfer (ACH) | 3 to 4 business days | None |
| Polymarket US app by wire | 1 business day | None |
- The crypto leg. Polymarket's docs call withdrawals instant and say bridge transfers typically complete within a few minutes, longer when networks are busy. Our live quotes on September 23, 2026, for test amounts between $1 and $1,000, estimated 26 to 30 seconds for USDC on Polygon, Arbitrum, Base, Optimism, Solana and Ethereum.
- Winnings from a market that just resolved. Shares turn into cash only after resolution. Polymarket uses the UMA oracle: once someone proposes the outcome there is a 2-hour challenge period, so an undisputed market resolves about 2 hours after the proposal, and a disputed one takes 4 to 6 days in total. The clock starts at the proposal, not when the event ends. Then you claim your winnings.
- The US app. Card and ACH deposits must fully clear, typically in 3 to 4 business days, before that money or any winnings made with it can be withdrawn.
So "instant" describes the crypto transfer, not cash arriving in your bank.
How to Withdraw Money from Polymarket, Step by Step
These five steps follow Polymarket's help center for polymarket.com, the international site. First check that your cash balance covers the amount: money in open positions is not withdrawable until you sell, or until the market resolves and you claim.
- Open your Portfolio on Polymarket.
- Click Withdraw.
- Enter the recipient address: your own wallet, or the deposit address your exchange shows for USDC on the network you plan to use.
- Select the token (usually USDC), the amount and the network. Choose a network your exchange or wallet supports for that token.
- Click Withdraw to confirm. The funds are sent to that address, usually within a minute.
Before you confirm, check the first and last characters of the address and make sure the network matches on both sides. The first time you use a new address or network, send a small test amount: crypto transfers cannot be reversed.
Cashing out to a bank? The rest happens on the exchange: wait for the USDC to be credited, sell it for your local currency, then withdraw to your linked bank account.
If you have not used Polymarket since its April 28, 2026 upgrade, its help center says you will first sign a one-time prompt that converts your USDC balance to pUSD, 1:1 with no fee.
What You Can Actually Withdraw
You can only withdraw cash: the balance in your Polymarket wallet that is not committed to a position. Four things commonly keep money out of reach:
- Open positions. Shares are outcome tokens, not cash. Sell them on the order book at any time before resolution, or wait for the market to resolve.
- Unclaimed winnings. After resolution, you claim (redeem) winning shares for 1 pUSD each; losing shares pay nothing. Polymarket's docs say there is no deadline to redeem. If a claim fails, its help center suggests syncing your device clock, turning off any VPN and retrying after 5 to 10 minutes.
- Perps collateral. Polymarket Perps collateral sits in a separate Perps account, so move it back to your wallet first. Perps withdrawals must leave the greater of your reserved collateral or 10% of the notional value of your open positions.
- Uncleared deposits on Polymarket US. In the US app, deposits that have not fully cleared can be traded but not withdrawn, and promotional credits are never withdrawable (only eligible proceeds from them).
If your withdrawable balance looks lower than your total, it is almost always one of these four.
The Three Ways to Cash Out
Polymarket.com is non-custodial: its help center says Polymarket never takes possession of your money, and you can export your wallet's private key. Withdrawing simply moves your balance to another address. There are three common paths, depending on what you want at the end.
| Path | Best For | What You End With |
|---|---|---|
| To your own wallet | Keeping the value as crypto | USDC or another supported token in a self-custody wallet, for example MetaMask |
| To an exchange, then a bank | Cash in your bank account | Your local currency, for example USD, EUR or CAD |
| Polymarket US app | US residents | USD back to your debit card or bank, or by wire |
Two notes:
- Match the network. Use the deposit address your exchange shows for USDC on one specific network, and pick that same network in Polymarket's withdraw form. Polymarket can deliver to Polygon, Ethereum, Arbitrum, Base, Optimism and other EVM networks, as well as Solana and Bitcoin, and handles the bridging and swapping for you.
- No direct bank payout on polymarket.com. Polymarket's help center describes withdrawals from polymarket.com only as transfers to a crypto address, so cash reaches your bank through an exchange you choose.
Polymarket Withdrawal Fees
Polymarket does not charge a withdrawal fee. Its docs describe withdrawals as instant and free, and its fee page says there are no Polymarket fees to deposit or withdraw USDC, though intermediaries such as Coinbase or MoonPay may charge their own. Polymarket's relayer also covers network gas for wallet transactions, so you do not need to hold Polygon's gas token.
The one cost that can appear is conversion. Your balance is held as pUSD, so a withdrawal unwraps it to USDC and, for other networks, bridges it; Polymarket's help center notes that withdrawals may carry conversion or routing costs. Here is what Polymarket's bridge quoted for a $100 withdrawal on September 23, 2026:
| Destination | Estimated Time | Estimated Cost on $100 |
|---|---|---|
| USDC on Polygon | 27 seconds | Under $0.01 |
| USDC on Arbitrum | 26 seconds | $0.13 |
| USDC on Optimism | 27 seconds | $0.13 |
| USDC on Base | 27 seconds | $0.14 |
| USDC on Solana | 26 seconds | $0.16 |
| USDC on Ethereum | 29 seconds | $0.56 |
| USDT on Tron | 27 seconds | $1.06 |
- These costs are swap impact and liquidity costs from the routing, not a Polymarket fee, and they move with market conditions.
- Ethereum carried a fixed liquidity cost of roughly $0.40, so small withdrawals there are relatively expensive: 4.4% of a $10 withdrawal in the same test. At $1,000, the routes to Base and Ethereum cost about 0.1% to 0.15%.
- For withdrawals above $50,000, Polymarket suggests splitting the amount or using a third-party bridge to limit slippage.
Trading fees are separate: see Polymarket Fees Explained. After the withdrawal, your exchange may charge to sell USDC or cash out, and your bank may charge for incoming transfers. On the Polymarket US app, withdrawals are free according to its docs.
Polymarket US Withdrawals
US residents cannot use polymarket.com. They use Polymarket US, a separate app whose exchange operates as a CFTC-regulated designated contract market, with accounts that are not connected to polymarket.com. Withdrawing there works like a brokerage: open Profile, tap Withdraw, tap Withdraw To, then choose debit card, bank transfer (ACH) or wire transfer. Debit card and ACH withdrawals typically arrive in 3 to 4 business days, and wires, which Polymarket US suggests for large amounts, in 1 business day.
The rules, from Polymarket US's docs:
- Deposits must fully clear first, typically in 3 to 4 business days for card and ACH. Up to $50,000 of instant buying power lets you trade in the meantime, but not withdraw.
- Money goes back to where it came from, first in, first out. Deposit $100 by debit card and later $200 by ACH, and your first $100 withdrawn returns to the card. New or third-party accounts are not allowed.
- Proceeds are automatic. Sale proceeds and winnings from resolved markets return to your cash balance automatically.
- Anti-money-laundering reviews apply to every withdrawal and can temporarily delay processing. If a deposit is still pending after 5 business days, contact [email protected] or the in-app chat.
Funded with Apple Pay? Polymarket US's consumer help pages list only debit card, ACH and wire payouts. Apple Pay appears only in its beta payments API, as a mobile-wallet source processed through Checkout.com, with no published payout timing.
For the legal background, see Is Polymarket Legal in the US? If you also use Kalshi, compare How to Withdraw from Kalshi.
What Changed in 2026: pUSD and More Networks
- Your balance is now pUSD. On April 28, 2026, Polymarket replaced USDC.e with pUSD (Polymarket USD) as its collateral. pUSD is a Polygon token backed 1:1 by USDC, with the backing enforced onchain. You still see a dollar balance, and a normal withdrawal unwraps pUSD to USDC automatically. You can withdraw pUSD itself, but Polymarket's docs warn that some exchanges no longer accept pUSD deposits directly.
- Withdrawals reach many networks. Polymarket's Bridge API added withdrawals to other chains in January 2026, and its docs now say you can withdraw to any supported chain and token, including Ethereum, Arbitrum, Base, Optimism, Solana and Bitcoin.
- Perps. Polymarket now also offers perpetual futures, with collateral held in a separate Perps account and the 10% withdrawal reserve described above.
Country Restrictions and Canada
Where you are decides whether you can trade on polymarket.com at all. Polymarket's geographic restrictions page, last updated August 14, 2026, lists 39 blocked countries, including the United States and the United Kingdom, and blocks four Canadian provinces: Alberta, British Columbia, Ontario and Quebec. CoinRithm's availability data likewise marks Polymarket as restricted in the United States and the United Kingdom, and in Canada, where access is not uniform across the country.
Two details on the same page matter for withdrawals. Users in Germany must hold existing positions until resolution, after which funds can be withdrawn without restriction. Close-only countries (Singapore, Poland, Thailand and Taiwan) can close positions but not open new ones.
If you are in a Canadian province that is not on the list, cash out through the exchange path: withdraw USDC to a Canadian exchange account on a network it supports, sell it for CAD, then cash out. Coinbase, for example, lists Interac e-Transfer cash-outs in Canada at up to 5 minutes.
Polymarket's terms prohibit using a VPN to get around these restrictions. For country-by-country evidence, see prediction market availability by country and Polymarket Countries and Availability.
Common Mistakes and Stuck Withdrawals
- Picking a network your destination does not support. Choose the network on the exchange's deposit screen first, then select the same one in Polymarket.
- Sending to a wrong or mistyped address. Crypto transfers do not reverse, so check the first and last characters and test small.
- Expecting cash that is still in positions or unclaimed. Sell, or wait for resolution and claim.
- Withdrawing pUSD to an exchange. Withdraw USDC instead; some exchanges no longer accept pUSD deposits directly.
- A withdrawal that will not go through. Polymarket's app only completes the pUSD to USDC swap when the output stays within 0.1% of the input. When that swap pool runs short, split the withdrawal into smaller amounts or wait for the pool to rebalance. Above $50,000, split the amount or use a third-party bridge.
- A bridge transfer that fails or stalls. Transfers that fail, stall or are held for a compliance check are handled by Polymarket's bridge provider, Fun.xyz, through its support page. For anything else, contact Polymarket support through the chat on polymarket.com or at [email protected]; US app users contact [email protected].
Frequently Asked Questions
How long does a Polymarket withdrawal take?
On polymarket.com, a crypto withdrawal usually arrives in under a minute. Polymarket's docs say bridge transfers typically complete within a few minutes, and our September 23, 2026 quotes estimated 26 to 30 seconds for USDC on Polygon, Arbitrum, Base, Optimism, Solana and Ethereum. A bank adds your exchange's cash-out time, such as 1 to 5 business days for Coinbase ACH. The Polymarket US app takes 3 to 4 business days by card or ACH, or 1 by wire.
Are Polymarket withdrawals instant?
The crypto part nearly is. Polymarket's docs call withdrawals instant and free, and a transfer to a wallet or exchange usually lands in under a minute, sometimes a few minutes when networks are busy. Cash in a bank is not instant: it depends on your exchange's cash-out method, and the Polymarket US app pays out in 1 to 4 business days after your deposit clears.
Does Polymarket charge a withdrawal fee?
No. Polymarket charges no withdrawal fee on polymarket.com or the Polymarket US app, and on polymarket.com its relayer covers network gas. You can still lose a little to conversion: USDC on Polygon cost effectively nothing in our September 2026 quotes, while USDC on other major networks cost about $0.13 to $0.56 on $100. Exchanges and banks may add their own fees when you convert to cash.
How do I withdraw from Polymarket to my bank account?
On polymarket.com, withdraw USDC to your exchange's deposit address on a network the exchange supports, sell the USDC for your local currency, then cash out to your linked bank. Coinbase, for example, lists 1 to 5 business days for a US ACH cash-out, or instant cash-outs to a debit card or bank account. On the Polymarket US app, withdraw directly by debit card, ACH or wire to the account you deposited from.
When are Polymarket funds available to withdraw?
Cash in your balance can be withdrawn at any time. Money in open positions becomes cash when you sell, or when the market resolves and you claim. After an outcome is proposed, Polymarket's UMA process allows a 2-hour challenge period, so an undisputed market resolves about 2 hours later and a disputed one takes 4 to 6 days. Each winning share then redeems for 1 pUSD, with no deadline to claim.
How long do Polymarket US withdrawals take?
Polymarket US quotes 3 to 4 business days for debit card and bank transfer (ACH) withdrawals and 1 business day for wires. Deposits must fully clear first, typically 3 to 4 business days, and money always returns to the original funding source. Its consumer help pages list no Apple Pay payout; Apple Pay appears only in its beta payments API, processed through Checkout.com alongside cards.
Can I cash out Polymarket winnings in euros?
Not directly. Polymarket.com pays out in crypto, so the usual route is to withdraw USDC to an exchange that supports euro withdrawals, sell it for EUR and cash out to your bank. Check availability first: Polymarket's restrictions list blocks several European countries, including France, Germany, Italy, Belgium and the Netherlands.
What is the best way to withdraw from Polymarket in Canada?
First check your province: Polymarket's restrictions list blocks Alberta, British Columbia, Ontario and Quebec. Elsewhere in Canada, withdraw USDC to a Canadian exchange account on a network it supports, sell it for CAD and cash out to your bank. Coinbase, for example, lists Interac e-Transfer cash-outs in Canada at up to 5 minutes, longer when the network is busy.
Which network should I choose when withdrawing from Polymarket?
Choose a network your destination supports for the token you send. On cost, USDC on Polygon was effectively free in our September 2026 quotes; Arbitrum, Base, Optimism and Solana cost about $0.13 to $0.16 on $100, and Ethereum about $0.56. Whatever you pick, select the same network on your exchange's deposit screen and in Polymarket's withdraw form, or funds can be lost.
Why is my Polymarket withdrawal failing or stuck?
Polymarket's docs point to three causes. The pool that swaps pUSD to USDC can run short, so split the withdrawal or wait. Amounts above $50,000 may need splitting or a third-party bridge. Bridge transfers that fail, stall or are held for compliance checks go to the bridge provider, Fun.xyz. Otherwise contact Polymarket support by site chat or [email protected], or [email protected] for the US app.
Conclusion
Withdrawing from Polymarket comes down to two timelines: the crypto transfer, which carries no Polymarket fee and is usually done in under a minute, and the cash-out to a bank, which runs on your exchange's or the US app's business days.
The clean rule is:
withdraw only cash, pick a network your destination supports, match it on both sides, check the address, then test small
To research live markets before you commit funds, use the Polymarket hub on CoinRithm or compare odds across platforms. If you are still learning how prediction markets move, practise without real money first: CoinRithm paper trading uses virtual funds, and you can let an AI agent paper trade prediction markets and crypto. For how outcomes are settled, see How Prediction Markets Resolve.
Last Updated: September 23, 2026
Disclaimer: This article is for educational purposes only and is not financial advice. Crypto withdrawals are irreversible, and sending the wrong asset or using the wrong network can result in loss of funds. Withdrawal routes, costs and timings change, and the live quotes above are estimates from September 23, 2026. Always verify the current withdrawal flow, address and network directly before sending anything.
