1 of the 80 exchanges we track accept RTGS deposits, ranked by CWR Score. The list below is checked against your country.
Every exchange below lists RTGS among its deposit methods in the CryptoWinRate database. The list checks each venue's restricted-country list against your location. Change it if we got it wrong.
Pick a different country above, or browse all reviews.
Also accepting RTGS, but restricted in your country: Delta Exchange,
RTGS, or Real Time Gross Settlement, is a bank transfer system run by central banks for large payments. Each payment settles individually and immediately in central bank money, with no batching or netting. In India the Reserve Bank of India runs it, and it is the standard rail for high-value rupee transfers.
Paying a crypto exchange with RTGS means sending a transfer from your own bank account using the account number, IFSC code and beneficiary name. Settlement is immediate and final, so the payment cannot be reversed once it goes through. Because RTGS carries a minimum of two lakh rupees, it is a large-deposit rail by design, and a transfer of that size usually prompts source-of-funds questions.
The list at the top of this page shows which exchanges accept RTGS.
RTGS came about as a response to the settlement risks in the older batch systems, where banks settled only net differences at the end of a cycle. The fix was to combine electronic messaging with immediate, individual settlement, which removes settlement risk at the wholesale level.
In India the Reserve Bank of India introduced RTGS on 26 March 2004 as a real-time interbank transfer platform. It was first available only during set banking hours. From December 2020 the RBI made it available 24 hours a day, 365 days a year. A minimum transaction value of two lakh rupees has applied since the system began, making it a large-value rail by design.
RTGS is a central-bank-operated settlement system, not a company or an app. It doesn’t offer any way to buy or hold crypto itself, and it has no wallet of its own. It publishes no policy on paying crypto exchanges.
It is a neutral rail. Funds sent by RTGS land in a recipient bank account, and what happens next is governed by your own bank and the receiving institution, not by RTGS. So when you use RTGS to fund an exchange, the rules that apply are your bank’s and the exchange’s, not any crypto policy from RTGS.
RTGS settles individually and immediately, so the money leaves and arrives the moment it is submitted, provided the sending bank has the reserves. What’s left is the exchange matching your reference and finishing any checks on a deposit of that size. A first-time deposit or a large amount can add a source-of-funds review before the balance is released. Since RTGS now runs around the clock in India, weekends and cut-off times don’t hold it up the way they once did. Once settled, the payment is final and can’t be reversed.
RTGS itself is cheap to send. Under Reserve Bank of India rules the fee on an outward transfer above two lakh rupees cannot exceed 25 rupees, plus applicable GST, and inward transfers are free. Against a deposit of that size the bank charge is tiny.
The exchange is the other half of the cost. Some add a deposit fee, and if you convert through an instant buy you usually pay a wider price than on the normal order book. Check both before you confirm: look at the deposit screen for any fee, and compare the quoted price against the live rate so you can see the full cost of the purchase.
A large deposit is a compliance event, not just a payment. Most venues will ask where the money came from, and the answer needs documents rather than an explanation: a salary record, a sale contract, a bank statement showing the funds accumulating, or whatever genuinely applies.
Getting this ready before you send turns a week of frozen balance into a same-day formality. Sending first and answering later is the common mistake.
If you would rather not go through it at all, splitting the deposit into smaller transfers is not the answer. Structuring a payment to stay under a reporting threshold is itself a red flag and will be treated as one.
At this size the comparison isn’t really about fees. Compare the total cost each exchange shows before you confirm, how long its verification takes, and how it handles source-of-funds review. Check whether it can pay a comparable amount back out to your bank, which coins you can buy, and its security record. The list at the top of this page shows which exchanges accept RTGS; use the filters there to narrow further.
Yes. Send from an account in your own name, since the exchange matches the sender’s name against your verified identity. A payment from someone else’s account is likely to be held or returned.
Two lakh rupees. Below that the system won’t accept the payment, and NEFT or IMPS is the correct rail instead.
Almost always a source-of-funds review. Ask the exchange what documents it needs, and expect the hold to lift once they are supplied.
No. It settles finally and irrevocably, which is precisely why it is used for large amounts.
RTGS supports payouts as well as sending, so an exchange can pay out to your bank if it offers rupee withdrawals. Check that it does before you deposit.
For smaller amounts, NEFT or IMPS covers the same rupee transfers. Pick whichever the exchange lists on its deposit screen.
