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If you are attempting to link a joint bank account following the steps in this FAQ and run into issues when trying to use the account, you may be required to provide additional verification information. Please reach out to our Customer Support team to assist. Crypto.com crypto wallet pros and cons The cryptocurrency transfers feature may be disabled on your account due to a variety of factors. Users with a negative balance will not be able to transfer crypto. Additionally, pending crypto purchases, such as those purchased via a bank transfer may take multiple days to clear. Crypto purchased with a debit card will be instantly available to transfer. You can find our Terms and Conditions and Acceptable Use Policy by clicking Legal at the bottom of any PayPal page.