How to Get Your Money Back from FTX in 2026: From Claim to Payout

Where things stand in October 2026: FTX has made five distributions to creditors. About $10 billion had been distributed before the fifth round, according to Cointelegraph, and the fifth, which began on July 31, 2026, was about $900 million. According to FTX's announcement of the fifth distribution, after it, allowed claims in Classes 5A and 5B have received 105% in total, Classes 6A and 6B 103%, and Class 7 (Convenience) 120%. The percentages are of the allowed claim amount; for crypto balances, that amount was converted into U.S. dollars as of the November 11, 2022 bankruptcy filing date, using the court-approved Digital Assets Conversion Table (see how FTX claims are valued). No sixth distribution or new record date has been announced: FTX says subsequent record and payment dates will be announced in due course. Some FTX support pages still call July 31, 2026 the next distribution; that round has already taken place. Our payout tracker follows every round.

Step 1. Find your claim

You may not have had to file anything. The debtors listed customer balances in their schedules and sent scheduled customers a Unique Customer Code that identifies their claim. Under the court order that set the customer filing deadline, a customer whose listed claim was not marked as disputed, contingent or unliquidated, and who agreed with it, did not need to file a proof of claim. Customers who disagreed with the listed amount, or whose claim was marked disputed, contingent or unliquidated, had to file by 4:00 p.m. ET on September 29, 2023. Some customers affected by later amendments to the schedules had later deadlines.

Your claim, its status and the steps you have completed are shown in the FTX Customer Claims Portal at claims.ftx.com. The public claims register and court filings are on Kroll's FTX case site; Kroll is the court-appointed claims and noticing agent. For a quick look at the listed amount, enter your customer code in our claim calculator.

If you never started KYC in the portal, read Step 2 before anything else: claims covered by the court's KYC orders whose holders missed the deadlines were disallowed and expunged.

Step 2. Check the claim status

A balance in the portal is not a promise of payment. FTX pays only holders of allowed claims who have completed the pre-distribution requirements. The status decides what you do next:

• Allowed: the claim can be paid once you complete Step 3.
• Disputed: the claim is not yet allowed, for example because it is still being reviewed or because its jurisdiction is under review or not currently eligible for distributions. No distribution is made on a disputed claim, or on its disputed part, until it becomes allowed. If you received an objection notice, respond by its deadline. See selling a disputed FTX claim.
• Disallowed and expunged: the court removed the claim from the claims register. See what an expunged FTX claim means.

Many customer claims were expunged over KYC. Under a court order (D.I. 29464), holders had to start KYC by March 1, 2025 and submit all requested information by June 1, 2025, by 4:00 p.m. ET in both cases; FTX's KYC page lists these deadlines as March 3 and June 2, 2025. Claims that missed them were disallowed and expunged. A later order (D.I. 35557) gave the unverified claims listed in it a final deadline of June 30, 2026, 4:00 p.m. ET, to submit all requested KYC information, with the same consequence; on July 31, 2026, the Trust filed the list of claims expunged under that order (D.I. 36065). If your portal access was disabled but you believe you met the deadlines, contact FTX Customer Support and ask them to check your record. FTX has not announced any procedure for reinstating claims expunged over KYC.

“Pursuant to the Order, your claim(s) was disallowed and expunged in its entirety.”

— FTX Support: KYC Statuses Explained (updated June 2, 2025)

This is how FTX describes a claim expunged under the KYC order: it is removed from the claims register and receives no distributions.

A Failed KYC status is not the same as a missed deadline: it means FTX could not verify the documents provided or the holder did not pass KYC, AML or sanctions screening. It is still serious: on September 1, 2026, the Trust asked the court to disallow and expunge 616 customer claims whose KYC was rejected (D.I. 36197), with a hearing set for October 20, 2026. See options after an FTX KYC rejection.

Step 3. Complete the pre-distribution requirements

For an allowed claim, FTX lists what must be done before you can be paid:

• KYC: your identity verification must show as Verified.
• Tax form: a completed valid tax form, step 7 in the FTX claims portal.
• Payout provider: at step 8, which opens only after KYC and the tax form, select a Distribution Service Provider (BitGo, Kraken or Payoneer) and complete its onboarding. Which providers you see depends on your country of residence, and each provider decides on its own whether to accept you. The choice is final, and the email you use with the provider must match your FTX portal email. See our Step 8 guide.
• Sanctions screening.

To be paid in a round, everything must be done by that round's record date. For the July 31, 2026 distribution, the record date was June 16, 2026. If you finish later, you are not paid on that date, and FTX says a distribution is permanently forfeited if the steps are not completed within the deadlines below.

The deadlines that can cost you money

• Tax form: after each record date, FTX sends original holders who have not filed it two notices. If the form is still missing 90 days after the first notice, the distribution tied to that record date is permanently forfeited.
• Provider onboarding for a distribution: six months from the first distribution date after your claim became allowed. In FTX's example, the holder of a claim allowed for the September 30, 2025 distribution had to onboard by March 30, 2026, or that distribution was permanently forfeited.
• Provider onboarding for the whole claim: FTX also says holders of allowed claims who do not onboard with a provider within six months of the July 31, 2026 distribution date may forfeit their right to distributions on those claims. By our count, that is about January 31, 2027; FTX has not given a calendar date.

“…if the holder of an Allowed Claim does not successfully onboard with a distribution service provider (step 8 of the FTX claims portal) within six months from the July 31, 2026 distribution date, such holder may forfeit their right to receive distributions on their Allowed Claim(s).”

— FTX Support: Distributions Dashboard FAQs (updated September 13, 2026)

FTX writes "may forfeit", not "will forfeit", and gives no calendar date; by our count the six months end around January 31, 2027.

If no provider serves your country

As of October 1, 2026, FTX lists 44 jurisdictions where creditors cannot select a provider in the portal, including Russia, Belarus, Ukraine, China, Moldova and Saudi Arabia. FTX says that if no provider can serve your jurisdiction, your distribution will be deferred to a later date. Do not enter a country where you do not live to make a provider appear: providers check eligibility during their own onboarding, and inaccurate residence information can get you rejected.

FTX says more options may become available and the portal will be updated for additional eligible jurisdictions, but it gives no timeline and has not said how the six-month onboarding rule applies where no provider serves your country.

If your claim is in the Bahamas process

Some FTX.com customers chose, before the election deadline of August 16, 2024, to have their claim handled in the Bahamas liquidation of FTX Digital Markets instead of the U.S. case. Those claims are handled by the joint official liquidators of FTX Digital Markets through their own FTX Digital Claim Portal on PwC's website, with their own notices and payment details, not through the FTX claims portal described above. Under the global settlement between the two processes, the liquidators say creditors receive substantially the same return at substantially the same time, whichever process they chose; they also say they currently cannot make payments to customers in certain jurisdictions. If you elected the Bahamas process, follow the liquidators' notices.

Where to check what you have been paid

Once distributions start on your claim, the FTX claims portal shows them in Step 9, the Distribution Dashboard; Step 9 is not available if your claim was sold or you elected the Bahamas process. The money goes to your account with the provider: for the July 31, 2026 round, FTX said funds would arrive within 1 to 3 business days. Questions about withdrawals, limits or transfers go to the provider. FTX also warns that it will never ask you to connect your wallets. For the dates and amounts of all rounds, rely on FTX's own announcements; our payout schedule collects them with a link to each source.

Selling the claim instead of waiting

If the route is blocked or you do not want to wait for a round that has not been announced, you can sell the claim. This is a private deal, not a Recovery Trust distribution: the buyer pays you and takes over the claim with its future distributions. The transfer follows Federal Rule of Bankruptcy Procedure 3001(e): a notice of the transfer is filed in the case, the seller is notified and has 21 days to object, and Kroll records the new holder on the claims register. FTX pays a transferred claim to the new holder only if, as of the record date, the transfer is reflected on the official claims register and the 21-day notice period has passed without objection.

Whether a sale can close depends on the claim's status, including KYC. FTX also tells buyers to confirm that earlier distributions on a claim were not forfeited, so keep your FTX notices. To compare a sale with waiting, request an assessment from Qredax: we buy claims from creditors in any jurisdiction, pay in USDT after the SAC agreement is signed and never ask for an upfront fee.

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