You may qualify for different limits for your CoinZoom account, depending upon your account verification status or VIP level. If you see a message in the app saying "Daily limit exceeded," you may be able to upgrade either your account status or VIP level  to increase your daily and weekly limits. 


Limits Based on Validation (KYC) Levels

There are two levels of accounts, depending upon the verification that has taken place, Limited and Full. The verification process is also called Know Your Customer (KYC), and is required in the US by financial regulators.


If you're not sure what level your account is at, refer to "How to check your KYC status."


Limited Accounts

Limited accounts have a streamlined setup that only require email and phone validation. With a limited account you can pay for digital collectibles and NFTs with Google Pay or Apple Pay. See Create a Limited Account


In order to sell digital collectibles or NFTs out, the account must be upgraded to a Full account. There is no charge to upgrade.  


Limited accounts have the following restrictions:

  • Purchases: Digital collectibles and NFTs only (nft.coinzoom.com)
  • Payment methods: Google Pay, Apple Pay
  • Limits: $500 per day 

Full Accounts

Full account holders have full access to CoinZoom services, including sending money for free, buying and selling cryptocurrency and spending crypto with a debit card. See Verify Your Account to upgrade. There is no charge to upgrade. 


VIP Levels

Five CoinZoom Visa Debit card VIP levels qualify you for increasingly higher account limits. You can qualify for and order different card levels once by purchasing a set number of ZOOM tokens. 


VIP Card LevelRequired ZOOM Tokens
Select0
Preferred37,000
Gold75,000
Platinum150,000
Black300,000

Deposit Limits

Please refer to the table below for deposit limits. Also, see Funding Method Comparison for withdrawal hold time periods. The top number is the daily limit, the bottom number is the weekly limit. 


Funding MethodDaily/Weekly VIP Level Limits
SelectPreferredGoldPlatinumBlack
Apple Pay$500
$2,500
$750
$3,750
$1,250
$3,750
$2,500
$3,750
$5,000
$25,000

ACH Bank Deposit

$500
$500
$1,000
$1,000
$2,500
$2,500
$5,000
$5,000
$10,000
$10,000
Card Deposit$500
$2,500
$750
$3,750
$1,250
$3,750
$2,500
$3,750
$5,000
$25,000
Deposit from External WalletNo LimitNo LimitNo LimitNo LimitNo Limit

Direct Deposit

$45,000$45,000$45,000$45,000$45,000

Google Pay

$500
$2,500
$750
$3,750
$1,250
$3,750
$2,500
$3,750
$5,000
$25,000

Wire Deposit

No LimitNo LimitNo LimitNo LimitNo Limit
Zelle Bank Deposit$500
$500
$1,000
$3,750
$2,500
$3,750
$5,000
$3,750
$10,000
$25,000
ZoomMe Transfer (crypto)No LimitNo LimitNo LimitNo LimitNo Limit
ZoomMe Transfer (USD)$500
$2,500
$750
$3,750
$1,250
$3,750
$2,500
$3,750
$5,000
$25,000


Funding Method
Limits
CoinZoom Cash Deposit
Minimum Deposit:$20
Maximum Deposit:$500-$999 (depending upon the store)
24-hour cash limit:$1,000
30-day cash limit:$10,000


Withdrawal Limits

Please refer to the table below for withdrawal limits.


Withdrawal Method

VIP Level Limits
SelectPreferredGoldPlatinumBlack
Wire Withdrawal
Minimum: $100, Maximim: No Limit

Withdrawal via Debit Card

Daily
Weekly
$2,500
$2,500
$2,500
$2,500
$5,000
$5,000
$7,500
$7,500
$10,000
$10,000
ZoomMe
$500$1,000$2,500$5,000$10,000


In addition, various deposit methods also have withdrawal hold times. See this article to compare hold times

Visa Debit Card Spending Limits

Please refer to the table below for CoinZoom Visa Debit card spending limits by VIP level. See Examples of Daily Spending Limits based on CoinZoom Debit Card Level for more explanation. 


Spending MethodSelectPreferredGoldPlatinum Black
Point-of-Sale Daily Limit$500$1,000$2,000$4,000$8,000

Daily ATM Withdrawal Limit

$100$250$250$500$1,000
Per Transaction ATM Withdrawal Limit$100$250$250$300$300
Daily Over-the-Counter Limit$100$250$250$500$1,000

Per Transaction Over-the-Counter Limit

$100$250$250$300$300

Total Daily Cash Withdrawal

$200$500$500$1,000$2,000

Total Daily Limit (point of sale)

$700$1,500$2,500$5,000$10,000

Weekly Spending Limits

$3,500$5,000$7,500$15,000$30,000
Number of ATM Count Withdrawals200200200200200