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Crypto.com Fiat Wallet
Fiat Wallet - Australia
Fiat Wallet - AUD Deposit with PayID
Information about AUD Bank Transfers via NPP (PayID) - setup, deposits and common issues
Written by Support Specialist
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AUD Deposits with PayID will require an already set-up AUD Fiat Wallet. Setup instructions can be found here.
AUD bank transfers are made using a PayID; a secure, instant payment service which allows you to send AUD to an email address. By using your unique PayID email address, you do not need to enter a reference code each time you make a bank transfer. Alternatively, you can use the generic PayID also provided, but this will require you to enter a reference code each time you make a bank transfer.
To find your PayID, from the App home screen tap Deposit > Fiat > AUD. Or, tap Accounts > Fiat Wallet > Transfer > Deposit > AUD.
Use the PayID email provided and enter it into your online bank app or portal to transfer funds from your bank account to your Crypto.com account.
We will notify you once your AUD bank transfer has been successfully deposited.
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2. Use the PayID email provided and enter it into your online bank app or portal to transfer funds from your bank account to your Crypto.com account. |
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NAB bank app - pay by email (PayID) | Commonwealth bank app - pay by email (PayID) | ANZ bank app - pay by email (PayID) |
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3. We will notify you in the Crypto.com app as well as email once your AUD bank transfer has been successfully deposited. |
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If you choose to make a bank transfer using the generic PayID email; [emailprotected], then you must include your personal reference code on all reference/description fields in your payment instruction. This is the only way our team can identify and verify your deposit. We will not be liable for any missing funds if the reference code is missing.
Banks will vary in how they display the reference code field in their online bank app or portal. Please include your reference code on all available related fields.
Some banks require your reference code in both the "Description" and "Reference" fields. Please contact your bank for more details if you are unsure.
Alternative deposit details
As part of our robust AUD Fiat offering, you can choose which provider you want to use to make AUD bank transfers. From your AUD Wallet, select the alternative provider to access your alternative bank transfer details. At any time you may change between providers to use the bank transfer details of your choice.
On the AUD Bank Transfer screen, select the provider dropdown which will display either “Monoova” or “Zai”.
Select the alternative provider and confirm your selection to view your alternative bank transfer details.
On the AUD Bank Transfer screen, select the provider dropdown which will display either “Monoova” or “Zai”. | Select the alternative provider and confirm your selection to view your alternative bank transfer details. |
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There are a few things to remember when making a bank transfer to your Crypto.com App:
Your Named Account: We can only accept transfers from bank accounts opened under your own name. 3rd party transfers will not be accepted (e.g. payments from your customers, salary transferred by your employer, etc.).
We do not accept AUD transfers via 3rd party payments processing companies (e.g. Western Union, Wise, Stripe), or crypto exchanges. Deposits must be initiated directly from your bank account.
Only AUD transfers via NPP will be accepted. AUD transfers initiated by other methods will not be successful, and substantial fees for international transfer may be imposed on your funds.
Common Issues
The most common reasons your bank transfer is on hold or is unsuccessful are:
The name on the bank account you transferred from does not match the name you used to register on Crypto.com
Your transferred funds came from a joint account
Your transferred funds came from a payments processing company (e.g. Western Union, Wise, Stripe, etc.) or from an unsupported institution such as a crypto exchange.
Your transferred funds were not AUD via NPP.
When contacting our support, please be ready to provide us with supporting documents (e.g. a bank statement) showing your full name, the bank account you made the transfer from, and ideally the transaction itself.
Channel | Per Deposit / Daily Limit | Monthly Limit |
NPP | Min per deposit: $20 AUD Max: $100,000 AUD Prime users can send up to the sending institution’s limits. | Max: $500,000 AUD |
Westpac customers have a max deposit limit of AU$5,000 per transaction and $10,000 per day as of 22 Jan 2023. We will be constantly reviewing this limit together with Westpac.
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