7 minute read · Ultimo Research Desk · Reviewed 5 Sept 2026
Crypto Deposit Not Showing? Networks, Timing and the Errors That Cause It
A crypto deposit that has not shown up is stuck at one of four stages, and each has a different fix. Find the stage first. The one thing not to do is send it again — a duplicate deposit is a real second payment, and if the first one was going to arrive, it still will.
The four stages
| What you see | Stage | What to check |
|---|---|---|
| Your wallet shows the send but no transaction hash | Not broadcast | Your wallet or exchange: did it actually go out? |
| A hash exists; explorer says pending | Unconfirmed | The network's explorer for confirmations; nothing to do but wait |
| Explorer says confirmed; portal wallet unchanged | Not credited | Coin, network and address against the portal instruction |
| Portal wallet credited; MT5 balance unchanged | Not transferred | The portal: move wallet balance to the MT5 account |
The last row is the most common "missing deposit" and is not missing at all. At Ultimo a deposit lands in the portal wallet and is transferred to MT5 from there; it does not go straight into the trading account.
Why "pending" has no fixed time
Confirmation is the network's job, not the broker's. Each network needs a number of blocks before a transaction is final, and how fast blocks come depends on load and, on some networks, on the fee attached to the transaction. Coinbase's pending-transaction page lists the same causes from a sender's perspective: not enough confirmations yet, network congestion, a low fee. Ten minutes on a quiet network can be an hour on a busy one. If the explorer shows the transaction and it is accumulating confirmations, it will arrive.
A pending deposit is not margin. If you have an open position that needs it, it is not there yet.
Wrong network is not "slow"
Congestion delays a correctly addressed transaction. A wrong-network send is a different problem: the coin was delivered to an address on a chain where nothing is listening for it. Waiting does not fix that. Compare the portal instruction with what your wallet actually did — coin, network, full address, any memo or tag — and if they differ, contact support with the hash. Whether anything can be recovered depends on the networks involved and is decided case by case; nobody can promise it, and anyone who does promise it in a direct message is not us.
The amount that arrived is not the amount you typed
Sending services deduct their fee from the amount, or on top of it — the confirmation screen says which. Enter 250, a 2-unit fee comes off, 248 arrive. Compare units first, then the dollar value: two screens showing "USD 250" at different times may be valuing the coin at different prices.
| Units | |
|---|---|
| Entered | 250 |
| Sending fee deducted | 2 |
| Delivered on-chain | 248 |
What to send support
The transaction hash, coin, network, amount, time, and the address you sent to — plus which stage you think it is stuck at. That is enough to find it. Do not include a private key, seed phrase or login code; they are never needed and never asked for.
Keep the receipt. Do not pay anyone an "unlock fee", approve an unexpected wallet request, or follow a link in an unsolicited message about your deposit — those are the three ways a stuck deposit turns into a stolen wallet.
Next time
Read the portal instruction fresh for each deposit, match coin and network exactly, send from a wallet you control, and save the hash before you close the window. The step-by-step funding guide is that checklist.
Frequently asked questions
Does a transaction hash prove my MT5 account is funded? No. It proves a network transaction exists. Credit and transfer are two more steps.
Should I resend a deposit that has not appeared? No. Find the stage first. A resend is a second deposit.
Will waiting fix a wrong-network transfer? No. Contact support with the hash; recovery is case by case and not guaranteed.
Can I use an exchange's help page to know Ultimo's deposit time? No. It describes that exchange. The portal and support describe ours.
Educational content, not investment advice. On-chain transfers can be delayed or lost; recovery is not guaranteed.
Sources
Written by the Ultimo Research Desk and checked against our own contract specifications and client agreement before publication; reviewed again when those change. Educational only — nothing here is a recommendation to trade. Spotted an error? Tell us.
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