How Long Does a Fomo Bank Withdrawal Take?

A standard Fomo bank withdrawal takes 1 to 3 business days. Depending on your bank you may also get a faster option: Instant, which arrives in minutes, or Faster, which Fomo estimates by the next business day. Weekends and US federal holidays don't count, so a Friday-evening withdrawal on the standard speed can land on Wednesday. Bank withdrawals are for US bank accounts only, start at $3 and run through Fomo's partner Spritz.

Below: how the timing is counted, what each status means, and what to do when the money doesn't show up.

The three speeds

Which of Faster or Instant you see depends on your bank; some accounts only get Standard. Pick the speed on the review screen before you confirm.

How business days are counted

Only Monday to Friday count, minus US federal holidays. Fomo's own example: start a withdrawal on a Monday with a holiday on Wednesday, and only Monday, Tuesday and Thursday count toward the three days. So:

• Monday on Standard: Monday counts as day one, so by Wednesday, sometimes Thursday once the bank posts it.
• Friday on Standard: Friday, Monday and Tuesday count, so by Tuesday, sometimes Wednesday.
• Before a long weekend: add the holiday.

Then your bank adds its own posting time once Spritz has handed the money over.

What the statuses mean

• Pending: the withdrawal is on its way. It can't be cancelled, by you or by support; it runs on by itself.
• Sent to bank for processing: Spritz has handed the money to your bank. The bank can still take a business day or two to credit it.
• Refund pending: the withdrawal failed, was cancelled or is being reversed. The money does not return to your cash balance on its own. Tap the row and use Contact support, which opens an email to Spritz with Fomo copied in. Spritz resolves it and the row moves to Refunded.

Before your first bank withdrawal

The first time you choose Bank account, Fomo takes you through identity verification with a government ID, then bank linking. After that, future withdrawals skip verification and open your saved bank accounts. Verification and bank-connection links expire after a while, so finish each step without long pauses; if you see "link expired" or "session timed out", start the withdrawal again and use the newest email. The full check is explained in why Fomo asks for identity verification.

The money hasn't arrived

1. Count business days only, from the day you started, and add a day for your bank.
2. Check the status in the app. Sent to bank for processing means it's with your bank now.
3. If it says Refund pending, use Contact support on that row.
4. If it's past the window and still Pending, contact Fomo support from Settings, then Help and Support, with the date, amount and speed.

Outside the US?

Bank withdrawals aren't available. Withdraw USDC to an exchange that works in your country, sell it there, and use the exchange's bank withdrawal. Balances under the $3 minimum can only leave as crypto too. The steps are in how to withdraw from Fomo to an exchange.

Related: every way to withdraw from Fomo.