Beta
    How-To
    6 min read

    How to Fund Polymarket

    No crypto required. Here’s how debit card, bank transfer, and direct USDC deposits actually work on Polymarket today.

    Fastest route

    ~5 min

    Bank timing

    1–3 days

    Card fee

    4.5%

    US access

    Waitlist

    Quick Summary

    The key takeaway from this page

    You can fund Polymarket with a debit card through MoonPay, a bank transfer, or direct USDC on Polygon. US users are entering through an invite-only, sports-first product, but you do not need a crypto wallet just to get started.

    Choose your funding path

    Three deposit routes with different speed, cost, and complexity

    💳 Debit card works
    🔵 US: invite-only beta
    ⚠️ Sports markets only (US)

    Debit / Credit Card

    Via MoonPay

    Fastest: ~5 minutes

    Beginner-friendly

    MoonPay fee: up to 4.5% (min $3.99)

    Bank Transfer

    ACH via MoonPay or Coinbase Pay

    Lower fees than card

    Higher deposit limits

    Takes 1–3 business days

    Crypto — USDC

    Direct USDC on Polygon

    Cheapest option

    Gas: None from Polymarket (Polygon gas fees ~$0.01-$0.05 apply)

    Requires existing USDC wallet

    Additional fiat on-ramps: Coinbase Pay and Robinhood Connect can be linked directly in the Polymarket deposit flow.

    Step-by-step: debit card deposit

    The beginner-friendly route from USD to usable balance

    1. 1Create an account at polymarket.com
    2. 2Click Deposit in the top navigation
    3. 3Select Credit / Debit Card
    4. 4MoonPay handles the transaction — enter your card details and amount
    5. 5Funds arrive as USDC in your Polymarket balance (usually within 5 minutes)
    Why does it say USDC? USDC is a stablecoin pegged 1:1 to the US dollar. $50 deposited = $50 USDC to trade with. It is not crypto speculation — it is just the settlement currency Polymarket runs on. Your balance in dollars is your balance.

    Polymarket US is a different product

    Why the US rollout, market coverage, and funding experience differ from offshore Polymarket

    🌍 Global Polymarket

    • • Full market access (politics, crypto, sports, more)
    • • Available worldwide (not US)
    • • Settles in USDC on Polygon
    • • Offshore entity

    🇺�� Polymarket US (Beta)

    • • Sports markets only (NFL, NBA, NHL, MLB, college, soccer, UFC) as of March 2026. Politics, crypto, economics, culture, entertainment, and geopolitics coming soon. Per official App Store listing: "COMING SOON: Geopolitics, election, news, tech, & culture."
    • • US only, invite-based access
    • • USD-settled via regulated venue
    • • Regulated entity: QCX LLC (CFTC)

    Polymarket operates two separate products: the global platform (for non-US users, full market coverage) and Polymarket US via QCX LLC (for US users, invite-only beta, sports contracts only as of March 2026). The US version does not yet offer expanded market categories — see usMarkets for current scope.

    Access status: Invite-only / waitlist (rolling invitations, not fully public as of March 2026). Sports markets live for invited US users; other market categories (elections, financial, cultural) are listed as 'coming soon' in the app and are not yet available.

    What happens when you withdraw

    Know the exit path before you deposit

    • Withdrawals go out as USDC — not as an instant bank transfer
    • Card deposits carry MoonPay's fee: up to 4.5% (min $3.99)
    • None from Polymarket (Polygon gas fees ~$0.01-$0.05 apply)
    • You never need to buy crypto before depositing — fiat on-ramps handle it
    Withdrawal path: Withdraw USDC from Polymarket → Transfer to Coinbase, Robinhood, or any USDC-supporting exchange → Convert to USD → Transfer to your bank account.

    Frequently Asked Questions

    6 common questions answered

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