> For the complete documentation index, see [llms.txt](https://docs.getbold.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.getbold.io/general/holds-on-card-spending.md). # Holds on Card Spending ### Why Can’t I Spend on my Card? The Bold card allows you to spend funds from your [`Available balance`](/checking-account/balance-breakdown.md). All holds are dynamically set based on a risk assessment. If you have a hold on one of your deposits, you will need to wait for the [`hold`](/general/account-holds.md) to lapse before you can spend those funds with your Bold card. ### How to Add Funds that Won't Have a Hold

Option	Hold Time	Price	Additional Information
Link a different bank account	Potentially instant	Free	Hold period will depend on the risk score of the new bank.
Send bitcoin into your account and sell the bitcoin	Instant	On-chain send fees + sell fees	The dollars will be instantly spendable on your card as soon as the bitcoin sell order settles.
Wire transfer	0 to 2 business days	Free to receive although external banks may charge fees	Once the wire is received, funds will be free to spend.
Receive money from friend or family	0 to 5 business days	Free to receive although external banks may charge fees	Friends, family, and associates can send an ACH or wire transfer to your Bold account.
Deposit more funds via ACH push into Bold account	3 to 10 business days	Free	Log into your external bank account and send an ACH transfer into your Bold account. You may first need to add your Bold account as a payee.
Resolve any issues with your currently linked bank account	5 to 10 business days	Free	Issues that increase transaction risk score include: Having insufficient funds (NSF) transactions on your linked account, carrying a negative balance, reversed transactions on the account, account is too young, the account has atypical usage patterns. Once issues are resolved, the risk score will recalibrate in 5 to 10 days.