For eligible US Kalshi users who want to minimize stated deposit fees and can wait, ACH is the strongest documented default: Kalshi charges no deposit fee, and settlement typically takes up to five business days. Debit card may provide faster access but can carry a 2% processing fee. For international Polymarket users, deposits use supported crypto transfers, which make most sense if you already know how to select and verify the asset, network, and address. US residents need Polymarket’s separate US product; international Polymarket.com instructions do not apply to them.
There is no single best method for everyone. Location, account eligibility, total fees, time until funds are usable, withdrawal holds, and the risk of a mistaken crypto transfer all matter.
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Compare the available methods before choosing
| Platform and method | Who it may suit | Cost and timing | Important limits |
|---|---|---|---|
| Kalshi ACH bank transfer | Eligible US users prioritizing low stated deposit fees | No Kalshi deposit fee; settlement typically takes up to five business days. Some funds may be credited sooner. | $10 minimum; linked bank account must be in your name. Early credit is account- and transfer-specific. |
| Kalshi debit card, Apple Pay, or Google Pay | Eligible users who value faster funding over the lowest possible cost | A 2% processing fee may apply; card issuer charges may also differ. | $10 minimum; cardholder name must match the Kalshi account. Available cards include Visa, Mastercard, and Discover debit. |
| Kalshi crypto | Users comfortable transferring crypto and checking network details | Provider or blockchain gas fees may apply. Deposits and withdrawals typically take up to 30 minutes, but congestion can extend timing. | Crypto withdrawals require a previous crypto deposit. Availability and supported assets should be checked in the account. |
| Polymarket international crypto transfer | Eligible users outside the US who already understand the selected token and network | Polymarket says it charges no platform fee to deposit or withdraw USDC; intermediary, network, and conversion costs may still apply. | Minimums vary by network. A wrong address or network can make a transfer irreversible. |
| Other Kalshi methods | Users whose account offers another supported rail | Fees and timing depend on the method and account. | Kalshi lists PayPal, Venmo, Cash App for deposits only, and wire, in addition to the methods above. International accounts have a narrower selection; wire has a $1,000 minimum. |
These are platform-published mechanics, not an independent comparison of every provider or account. Confirm current options, fees, and limits in the live app before sending funds.
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ACH: lowest stated deposit cost, slower final settlement
Kalshi’s US ACH guidance states there is no deposit fee and a $10 minimum. A transfer typically settles within five business days. Kalshi may credit part of a transfer earlier after evaluating the account and transfer, but it does not promise immediate access or a fixed early-credit amount. Link only a bank account in your own name. See Kalshi’s transfer guidance.
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Debit card and mobile wallets: consider the fee
Kalshi accepts Visa, Mastercard, and Discover debit cards, as well as Apple Pay and Google Pay. Deposits have a $10 minimum and may incur a 2% processing fee. The name on the card must match the name on the Kalshi account. Kalshi says credit cards may also process, but issuer fees vary and a cash-advance charge may apply, so credit is not a dependable low-cost substitute. Details are in Kalshi’s debit-card instructions.
Crypto: check costs and withdrawal conditions
Kalshi says crypto deposits are available to US and international users. A provider fee or blockchain gas fee may apply, and deposits typically take up to 30 minutes, with congestion potentially extending that. Kalshi’s help page says crypto withdrawals have no Kalshi fee and typically arrive within 30 minutes, but you must have made a previous crypto deposit to withdraw by crypto. Review deposit details and withdrawal conditions.
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PayPal, Venmo, Cash App, and wire: verify account availability
Kalshi’s August 24, 2026 transfer FAQ lists PayPal and Venmo, Cash App for deposits only, and wire among its methods. The FAQ lists a $10 minimum except for wire, which has a $1,000 minimum. International accounts have different availability: Kalshi lists debit card, crypto, and wire for deposits, and debit card or crypto for withdrawals; ACH, PayPal, Venmo, and Cash App are unavailable internationally. See the current Kalshi method list and confirm what your own account supports.
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How international Polymarket deposits work
Polymarket’s international instructions use crypto: select a token and network, then transfer funds to the deposit address shown for your account. The help page gives examples of a $20 minimum on Ethereum and $3 on Solana; these are network-specific examples, not a universal minimum. Before sending, match the asset and network to the live instructions and verify the account-specific address. Polymarket’s instruction is: “Always verify the deposit address displayed in your profile before sending funds.” Read Polymarket’s deposit guide.
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A transfer to the wrong address or on the wrong network may be irreversible. Polymarket says it charges no platform fee to deposit or withdraw USDC, but that does not mean the entire transaction is cost-free: an intermediary such as Coinbase or MoonPay may charge, and network or conversion costs may apply. Trading fees are separate and vary across market categories. Check the current checkout flow and withdrawal instructions before proceeding.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.US residents must use the US Polymarket product
Polymarket’s international site and its US product are separate. Its June 25, 2026 guidance says US residents cannot deposit or trade on international Polymarket.com and directs them to the separate US iOS app. Geographic restrictions also apply elsewhere; consult Polymarket’s restricted-jurisdiction information and the current terms for your location. Do not try to bypass location restrictions. The international crypto deposit directions above are not instructions for US residents.
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How to choose: a five-point check
- Confirm eligibility. Check that the platform product and payment method are available in your location and account. This is especially important when distinguishing international Polymarket from its US app and when checking Kalshi’s international payment options.
- Calculate total cost. Include platform processing fees, possible bank or card issuer charges, intermediaries, crypto network fees, and conversion costs. A platform’s zero-fee statement does not rule out third-party costs.
- Check when funds will be usable. Distinguish an early or partial credit from final settlement. ACH can take several business days; card and crypto timing may depend on provider processing, network conditions, and account checks.
- Plan the withdrawal route. A deposit method does not guarantee that withdrawals to another method will be immediate or available. Kalshi bank withdrawals have no Kalshi fee and typically arrive within a few business days, but international bank withdrawals are unavailable. Deposit-related security holds vary by method and destination; Kalshi says the withdrawal screen in the app gives the most accurate account-specific estimate. Its bank withdrawal information explains the route.
- Account for crypto transfer risk. Verify the token, network, and address against the live instructions before confirming. Do not assume a mistaken transfer can be recovered.
What to check immediately before depositing
- Confirm your location, product, and account are eligible for the method.
- Review the live minimum, fee, and available payment rails in the app.
- For ACH, use a bank account in your name and allow time for settlement.
- For a card, check whether the stated processing fee and any issuer charges make it worthwhile.
- For crypto, verify the asset, network, and account-specific address; check intermediary, network, and conversion costs.
- Before relying on a withdrawal, inspect the available routes and any account-specific hold shown in the app.
Platform help pages describe mechanics rather than independently testing payment providers. Fees, geographic access, provider networks, and account limits can change; the live app and current official terms are the final check.
Quick Recap
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