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 Level | Required ZOOM Tokens |
| Select | 0 |
| Preferred | 37,000 |
| Gold | 75,000 |
| Platinum | 150,000 |
| Black | 300,000 |
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 Method | Daily/Weekly VIP Level Limits | ||||
| Select | Preferred | Gold | Platinum | Black | |
| 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 Wallet | No Limit | No Limit | No Limit | No Limit | No 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 Limit | No Limit | No Limit | No Limit | No 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 Limit | No Limit | No Limit | No Limit | No 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 |
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Withdrawal Limits
Please refer to the table below for withdrawal limits.
| Withdrawal Method | VIP Level Limits | |||||
| Select | Preferred | Gold | Platinum | Black | ||
| 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 Method | Select | Preferred | Gold | Platinum | 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 Withdrawals | 200 | 200 | 200 | 200 | 200 |