How to Deposit on Polymarket in the US (2026)

Who this guide is for

US adults whose Polymarket KYC has cleared — or is about to — and who now need the official US funding rails. The click-by-click account open lives in How to sign up for Polymarket (US 2026); the ID and hold-time walkthrough is How to complete Polymarket KYC. This page is only the deposit sequence. We cover the flow from Florida, which is a green-light state. If you are racing NFL Week 1, fund before Wednesday, September 9 — see the Week 1 prediction-markets checklist.

Official US funding methods

These three methods are the ones listed on official Polymarket US documentation. Limits and clearing times below are what those docs published — confirm the live deposit screen before you send money. We do not add Apple Pay, crypto, or other publishers’ on-ramps.

Debit card

Smaller first deposits

Daily limit $50,000 / day · 3–4 business days to fully clear

Official US docs: select Debit Card, enter the card details, then confirm. Per-transaction cap is listed at $25,000, with a $2,000,000 rolling 60-day limit. Debit deposits may be credited with instant buying power while the deposit is still processing. Withdrawals wait until the deposit fully clears.

Bank transfer (ACH)

Medium deposits from a linked bank

Daily limit $50,000 / day · 3–4 business days to fully clear

Official US docs: select Bank Transfer and link the account via Aeropay. Same published caps as debit ($25,000 per transaction, $50,000 per day, $2,000,000 over a rolling 60 days). Instant buying power may appear while ACH is processing. Withdrawals wait until the transfer fully clears.

Wire transfer

Larger deposits

Daily limit $1,000 minimum, no published max · Typically 1 business day after receipt and verification

Official US docs: select Wire Transfer, tap View Wire Instructions, and copy the live beneficiary, routing, and account details exactly. Include the full name and phone number linked to your Polymarket US account in the memo / FFC / FBO field. The published recipient is QC Clearing LLC. Third-party or joint-account wires are rejected. Confirm every field in-app before you send.

The US deposit sequence

Step 1

Confirm your state is not blocked — then finish KYC

US access is back, but it is not universal. As of our June 2026 check Polymarket was reported unavailable in Arizona, Illinois, Massachusetts, Maryland, Michigan, Montana, Nevada and Ohio. Florida is a green-light state. Official US docs require KYC before you can deposit or trade. If identity verification is still pending, stop here and use the KYC how-to.
Step 2

Open the US (QCEX) account through a tracked link

Use the claim button on this page so you enter the compliant US flow. Polymarket returned to the US in December 2025 via its CFTC-licensed QCEX acquisition. That is the legal on-ramp for US residents — not the old offshore, no-KYC wallet route.
Step 3

Open Profile, then Deposit, then Pay With

Official US docs: from the home screen tap the Profile icon at the bottom center, tap Deposit on your Profile page, then tap Pay With. Choose debit card, bank transfer (ACH), or wire transfer — those are the three methods listed on the official US on-ramp. We do not invent extra rails.
Step 4

Send funds from an account in your own name

Official US docs: all deposits must come from accounts in your own name and may be subject to verification checks. Name mismatches delay or reject the transfer. A publisher link is how this site is supported — it is not extra credit in your account.
Step 5

Read the live deposit screen, then size the first trade as risk capital

Limits, instant-buying-power rules, and wire instructions are set in-app and can change. We could not verify a standing official US welcome bonus on Polymarket’s own terms, and we do not republish other publishers’ partner codes. Event contracts can settle at zero. Trade only what you can afford to lose. Nothing here is investment advice.

Blocked and contested states

Reported unavailable as of June 2026: Arizona, Illinois, Massachusetts, Maryland, Michigan, Montana, Nevada and Ohio. That list is not a promise it stays still — litigation around sports event contracts in particular can narrow or shift access. If you are in a listed state, do not fund on the assumption the desk is open. If you are in Florida or another green-light state, still confirm the app lets you finish KYC and that the deposit screen actually appears before you send money.

Age is 18+ with identity verification. That is a different gate from the 21+ / responsible-gambling frame on our DFS pages, because these are traded financial instruments. Compare platforms on the prediction-markets hub and the seasonal NFL Prediction Markets 2026 guide.

What you will not get from this page

A dollar welcome match, a paste-this promo code, or a guaranteed first-trade credit. We could not verify a standing official US welcome bonus on Polymarket’s own terms. Other publishers’ partner codes are theirs; we do not copy them. The honest user-facing line is still US access via CFTC-regulated QCEX — fund with debit, ACH, or wire and confirm live terms in-app. Last verified August 8, 2026.

Polymarket also runs a separate in-app referral that can share trading fees with qualifying traders. That program is between you and Polymarket. We do not treat it as a deposit offer.

Frequently Asked Questions

What funding methods does Polymarket US actually list?

Official US docs list three: debit card, bank transfer (ACH, linked via Aeropay), and wire transfer. Debit and ACH are published at $50,000 per day with 3–4 business days to fully clear (instant buying power may appear sooner). Wires have a $1,000 minimum and typically credit within 1 business day after receipt and verification. Confirm the live deposit screen — we do not invent extra methods.

Do I need to finish KYC before I can deposit?

Yes. Official US docs say you must complete Know Your Customer checks before you can deposit funds or trade. If you are still in review, wait for the in-app or email notice. The KYC walkthrough is a separate page on this site.

Is there a Polymarket deposit bonus or promo code on this page?

No. We do not publish a dollar welcome or a promo code. Site policy refuses other publishers’ partner codes. Confirm any live terms in the Polymarket US app. If you open Polymarket through our link we may earn a commission at no extra cost to you — that is not a user bonus.

Can I deposit from a joint account or someone else’s card?

No. Official US docs require deposits from accounts in your own name. Wire docs add that third-party or joint-account wires will be rejected, and the bank-account name must match your Polymarket US account.

When can I withdraw after a deposit?

Official US docs: debit and ACH deposits may show instant buying power while they are still processing, but withdrawals are available only after the deposit has fully cleared (typically 3–4 business days). Wires credit after receipt and verification.

Can I fund Polymarket in every US state?

No. As of our June 2026 check Polymarket was reported unavailable in Arizona, Illinois, Massachusetts, Maryland, Michigan, Montana, Nevada and Ohio. Florida is a green-light state. Confirm the app lets you finish KYC and that the deposit screen appears before you send money.

Is depositing on Polymarket the same as funding a DFS account?

No. Polymarket offers CFTC-regulated event contracts — financial/derivatives products, not daily fantasy and not a sportsbook. The age line is 18+, the disclosure is trading risk (you can lose your entire stake), and there is no DFS-style deposit-match rollover protecting a floor.

Advertising disclosure: Polymarket links are affiliate links — we may earn a commission at no cost to you, which never affects our ratings. Prediction markets are CFTC-regulated event contracts, not gambling. Trading involves risk and you can lose money, including your entire stake. Not investment advice. 18+. Availability and terms can change — confirm current terms on Polymarket. Last verified August 8, 2026.