To protect our customers from potentially fraudulent transactions and to maintain a reliable and compliant exchange, CoinZoom places a hold on funds deposited with debit cards. The hold period only applies to the date when funds can be transferred out of your CoinZoom account; however, the funds can be used to buy and sell digital assets during the hold period.
When a debit card is used to fund an account, those funds are automatically put on hold for any transfers for a minimum of 21 days. In a small number of cases, the hold period can be extended up to 90 days, depending on the country. Transfers include any transaction that moves assets out of the account. This hold period only applies to the funds from that card's deposit; other funds can be transferred according to their hold times.
Funds on hold are listed in the app and show an expiration time when they can be transferred or withdrawn.
Additional information on hold times is available in this article, Funding Method Comparison.