How to Deposit on Kalshi: Methods, Fees and Minimums (2026)

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Kalshi's minimum age is 18; we recommend 21+. Kalshi's availability varies by state: see our Kalshi states page.

I funded my own Kalshi account with about $200.

Kalshi deposit methods, fees and minimums

Method	Fee	Minimum	Notes
Bank transfer (ACH)	Free	$10	US users only. The bank account must be in your name. Kalshi often credits part right away; the full amount typically settles within 5 business days.
Wire	Free	$1,000	Must include your Kalshi memo code and come from an account in your name. Wires under $1,000 are returned.
Debit card (Visa, Mastercard, Discover)	May carry a 2% processing fee	$10	The cardholder name must match your Kalshi account. Kalshi says a debit card deposit usually credits instantly. American Express is not supported.
Apple Pay / Google Pay	May carry a 2% processing fee	$10	Counted as a debit card deposit. Timing is shown in the app before you confirm.
PayPal	First deposit free, later ones up to 2%	$10	US users only and not in every state. The PayPal account must be in your name.
Venmo	First deposit free; Kalshi says later fees may vary	$10	US users only and not in every state. The Venmo account must be in your name.
Cash App	Subject to a fee (shown before you confirm)	$10	Deposits only: you cannot withdraw to Cash App. US users only.
Crypto	Network and provider fees can apply	$10	Send only a supported asset on a supported network. Typically applied to your balance within 30 minutes.

Your personal deposit limits are shown on the Transfers page. For the amount of any fee and the timing of a specific deposit, check the review screen: it is shown in the app before you confirm.

How to deposit on Kalshi, step by step

1. Verify your account. Kalshi collects your personal details at sign-up and may ask for a photo of a government ID (a driver's license or passport). The name must match your ID exactly.
2. Open the deposit screen. Select "Add funds".
3. Choose a method. Bank transfer, card, PayPal, Venmo, Cash App, crypto or wire. The first time, Kalshi walks you through linking the bank account or card.
4. Enter the amount. $10 or more ($1,000 or more for a wire).
5. Review and confirm. The review screen shows the fee and, for bank transfers, how much is credited right away. Deposits cannot be canceled or refunded once submitted.

Which method to pick

• Lowest cost: bank transfer (ACH) is free with a $10 minimum.
• Fastest start: Kalshi says a debit card deposit usually credits instantly, for a possible 2% fee.
• Large amounts: wire is free on Kalshi with a $1,000 minimum. A wire received before 4pm ET is typically attributed the same day.

Common deposit problems

• Card declined. Often a block by the card issuer or a name and address mismatch. See Kalshi deposit declined: why it happens and how to fix it.
• Only part of a bank deposit arrived. Kalshi may credit part of an ACH deposit right away and release the rest after the transfer settles, typically within 5 business days.
• Bank transfer returned. If a transfer fails after Kalshi credited funds early, that amount is deducted again and your balance can go negative. Make sure the bank account covers the full deposit.
• Bank connection trouble. Bank links run through Kalshi's ACH partners (Plaid or Aeropay), which have their own support.
• Wire memo missing. A wire without your Kalshi memo code is delayed or returned.
• Money you want back out. Card and bank deposits can be held briefly before withdrawal. See how to withdraw from Kalshi.

Frequently asked questions

What's the minimum Kalshi deposit?

The minimum deposit on Kalshi is $10. Wire transfers are the exception, with a $1,000 minimum.

Are there deposit fees on Kalshi?

Bank transfer (ACH) and wire deposits are free. Debit card deposits, including Apple Pay and Google Pay, may carry a 2% processing fee; the first PayPal deposit is free and later ones can cost up to 2%. Crypto deposits can carry network and provider fees.

Can I deposit by credit card?

Kalshi's help page lists Visa, Mastercard and Discover debit cards as the accepted cards. It adds that credit cards may also be processed, but fees can vary and your card issuer may add charges such as a cash advance fee. American Express is not supported.

Can I deposit on Kalshi with PayPal, Venmo or Cash App?

All three are accepted for deposits by US users, with a $10 minimum. PayPal and Venmo are not offered in every state, and the account must be in the same name as your Kalshi account. Cash App works for deposits only, so you will need another method to withdraw.

Can I deposit crypto on Kalshi?

Kalshi accepts crypto deposits, and network and provider fees can apply. Send only a supported asset on a supported network. Kalshi says transfers typically take up to 30 minutes to reach your cash balance.

How long does an ACH deposit take?

Kalshi says a bank transfer typically settles within 5 business days, and it often credits part of the deposit right away so you can start trading. The amount credited immediately is shown on the review screen before you submit.

Why was my Kalshi deposit declined?

The usual causes are a block by your card issuer, card details or a billing address that do not match your Kalshi account, or an amount under the $10 minimum. The fixes are in Kalshi deposit declined: why it happens and how to fix it.