How to withdraw from FOMO: to a wallet or a US bank (2026)

Before you withdraw: sell your tokens

FOMO withdraws from your USDC cash balance. A crypto withdrawal sends USDC (or USDG on Robinhood Chain). A bank withdrawal pays out US dollars. FOMO does not withdraw a token directly. If you hold a token you bought on FOMO, sell it to your cash balance first. The exact buy and sell steps are on our how to use FOMO guide.

Once your cash balance shows USDC, you can send it out. There are two withdrawal paths. A crypto wallet or exchange is open to anyone. A US bank account is open only to US users.

Crypto withdrawal vs US bank withdrawal

The table below compares FOMO's two withdrawal paths. It covers who can use each one and how fast it lands.

FOMO withdrawal methods, checked 23 September 2026. Every value comes from FOMO's help centre.

Withdraw to a crypto wallet or exchange (all countries)

Any FOMO user can withdraw crypto to an external wallet or exchange, on all six chains FOMO supports: Solana, Base, BNB Chain, Monad, Ethereum and Robinhood Chain. The network you pick in FOMO must match the network of the receiving address.

1. Sell any tokens to your cash balanceFOMO withdraws USDC (or USDG on Robinhood Chain), not tokens. If you hold a token, sell it first.
2. Open Withdraw, then choose Crypto walletTap the three dots next to your cash balance, then Withdraw. Choose Crypto wallet.
3. Enter an amountType an amount, or tap 10%, 25%, 50% or Max of your balance. Tap Continue.
4. Choose the networkPick the chain that matches the receiving wallet or exchange: Solana, Base, BNB Chain, Monad, Ethereum and Robinhood Chain.
5. Paste the receiving address, then review and confirmCheck the address and the network twice. FOMO cannot reverse a transaction once it is on the blockchain.

FOMO's help centre does not state the network fee for a crypto withdrawal. FOMO covers Solana network fees on trades, but it does not say the same for withdrawals. Check the amount the app shows before you confirm. Trade fees are on our fees page.

Withdraw to a US bank account

FOMO users with a US bank account can withdraw USD straight to that account. The transfer runs through FOMO's identity-verification and payment partner, Spritz.

1. Sell any tokens to your cash balanceA bank withdrawal sends USD from your cash balance. Sell tokens to USDC first if you have not already.
2. Open Withdraw, then choose Bank accountTap the three dots next to your cash balance, then Withdraw. Choose Bank account, then enter your account and routing numbers.
3. Verify your identity, first time onlyFOMO's partner Spritz asks for a valid, non-expired government ID, such as a passport or driver's licence. You must be 18 or older. FOMO does not collect or store the document itself.
4. Choose Fast or RegularFast costs an extra fee and pays out the same day if you start it 9 AM to 5 PM ET on a business day. Regular takes 1 to 3 business days.
5. Confirm the amountThe minimum bank withdrawal is $5. Confirm, and Spritz sends the money to your linked US bank account.

Outside the US, there is no bank withdrawal option. Withdraw as crypto instead, or read where FOMO works for the full country picture.

How long does a FOMO withdrawal take?

Withdrawal time depends on the method and, for a bank withdrawal, the timing window and the bank.

• Bank, Fast: same day, if you start it 9 AM to 5 PM ET on a business day. This route has an extra fee.
• Bank, Regular: 1 to 3 business days.
• Bank, RTP-network bank: about 1 hour, once FOMO sends the transfer.
• Bank, non-RTP bank: 1 to 3 business days.
• Crypto wallet or exchange: not published by FOMO. It finishes once the blockchain confirms the transaction.

Business-day timing excludes weekends and US federal holidays.

Why a withdrawal can fail or be stuck

Four causes account for most stuck or failed FOMO withdrawals.

• Wrong network. The network you chose in FOMO does not match the receiving wallet or exchange. FOMO's help centre warns this can cause permanent loss of funds, not just a delay.
• Below the $5 bank minimum. A bank withdrawal under $5 is not allowed. Withdraw as crypto instead, or add more to your cash balance first.
• ID not verified yet. Your first bank withdrawal is held until Spritz verifies your government ID and confirms you are 18 or older.
• Tokens not sold first. FOMO withdraws USDC or USD, not tokens. Sell to your cash balance before you withdraw. See how to use FOMO.

If a withdrawal is stuck outside these windows, open Profile, then Settings, then Help and Support, then Contact Support.

Questions people ask