Can I withdraw from Polymarket US? How long it takes, what gets held, and the bonus catch
The short answer: yes, to the same account you funded from, in the order you deposited, on a timeline set by the payment rail rather than by the venue. The longer answer is the part people hit at 1 a.m. when a withdrawal says “pending.”
The published rules
Polymarket US (the CFTC-regulated U.S. exchange, with Polymarket Clearing as its clearing organization; not the international polymarket.com book, which is a different system) publishes funding rules that, as reported on 20 September 2026, say:
| Method | Deposit clears | Withdrawal processes | Limits |
|---|---|---|---|
| Debit card | 3 to 4 business days | 3 to 4 business days | $50,000 a day for deposits |
| ACH bank transfer | 3 to 4 business days | 3 to 4 business days | $50,000 a day for deposits |
| Wire | 1 business day | 1 business day | $1,000 minimum, no maximum |
- Same method back. Withdrawals return to the payment method used to deposit, never to a new or third-party account.
- Deposit order. Withdrawals are processed first in, first out against your deposits, which the exchange attributes to anti-money-laundering compliance.
- No venue fees on deposits or withdrawals (stated as of 4 September 2026). Your bank, card issuer or ACH provider may charge their own.
- Your name only. Deposits must come from an account in the customer’s own name and pass verification; a name mismatch or a third-party source holds the money until cleared.
- Promotional credit can only be used for trading and cannot be withdrawn until it has been traded. The $25 welcome bonus is this kind of credit.
- Instant buying power on card and ACH deposits arrives before the deposit clears; the withdrawal clock still runs from clearing.
If a deposit is still pending after five business days, the rules say to contact support.
What “pending” usually means
- The deposit behind the withdrawal has not cleared yet. A card deposit on Monday that was traded on Monday and withdrawn on Tuesday waits for Thursday or Friday regardless.
- The withdrawal is queued behind an earlier deposit in the first-in, first-out order.
- A verification review: the funding account name, a new payment method, or a routine check.
- The balance includes promotional credit that has not been traded.
None of these is the venue keeping your money; all of them are slower than the app made depositing feel. The asymmetry is deliberate on every exchange: money in is instant because that earns fees, money out follows the rails.
The part that actually decides whether there is anything to withdraw
The withdrawal rules are fine. The fee schedule is the problem: since 6 November 2026 an ordinary account pays 9.5% × price × (1 − price) per share to take a price, worked at every price here. A balance that is traded daily shrinks by that much on average before any withdrawal question arises. Your own numbers · what a month looks like · if the money is needed for something that can’t wait.
Sources read 8 November 2026: Polymarket US funding rules and FAQ as reported by OddsShopper (updated 20 September 2026); Polymarket US fee schedule (docs.polymarket.us/fees). We are seeking the venue’s own help-center pages to cite directly and will update this page when we have them. Nothing here is financial advice.