How to withdraw USDT to a bank card? What are the specific steps?

Convert USDT to USD/EUR on a crypto exchange, link your Visa/Mastercard, and withdraw funds directly to your bank card after completing KYC verification.

Jun 11, 2025 at 06:14 pm

Understanding USDT and Bank Card Withdrawals

USDT (Tether) is a stablecoin pegged to the U.S. dollar, making it a popular choice for traders and investors who want to avoid the volatility of other cryptocurrencies while still participating in the crypto market. However, many users often wonder how they can convert USDT into fiat currency and withdraw it directly to a bank card.

Before proceeding with any withdrawal, it’s essential to understand that USDT cannot be directly withdrawn to a bank card from most cryptocurrency wallets or exchanges without first converting it into fiat currency like USD or EUR. This process typically involves using a centralized exchange that supports both crypto-to-fiat trading and bank card withdrawals.

Selecting the Right Exchange Platform

To begin the process of withdrawing USDT to a bank card, you must choose an exchange that offers fiat on-ramp and off-ramp services. Some of the major platforms that allow this include:

• Binance
• Kraken
• KuCoin
• Huobi

Ensure that your chosen platform supports local currency withdrawal via debit/credit cards. You should also verify whether the exchange allows direct transfers to bank cards or if you need to link your card first.

Once you've selected the appropriate platform, proceed to register and complete KYC verification, which is mandatory for fiat withdrawals.

Linking Your Bank Card to the Exchange

Before you can withdraw funds to your bank card, you must link the card to your account on the exchange. Here's how to do it:

• Log in to your exchange account.
• Navigate to the Wallet or Fiat section.
• Look for an option labeled "Withdraw to Card" or "Add Payment Method."
• Select Credit/Debit Card as the payment method.
• Enter your card details, including:
  • Cardholder name
  • Card number
  • Expiry date
  • CVV code

Some platforms may require a small verification transaction to confirm ownership of the card. If so, check your card statement for the transaction amount and enter it into the platform to complete verification.

Keep in mind that not all cards are supported — usually, Visa or Mastercard works best.

Converting USDT to Fiat Currency

After linking your card, the next step is to convert your USDT holdings into fiat currency such as USD or EUR. Follow these steps:

• Go to the Trading section of the exchange.
• Search for the USDT trading pair with your local fiat currency (e.g., USDT/USD).
• Place a sell order at the current market price or set a limit price.
• Confirm the transaction once executed.

The converted amount will appear in your fiat wallet on the exchange. Make sure there are no pending orders or locked funds before proceeding to the next step.

If you're unsure about the current exchange rate, always check the market depth and price chart to ensure you’re getting a fair value.

Initiating the Withdrawal to Your Bank Card

Now that you have fiat in your wallet, you can initiate the withdrawal to your linked bank card. Here's how:

• Go to the Fiat Wallet section.
• Click on the Withdraw button.
• Choose Bank Card as the withdrawal method.
• Select the card you previously added.
• Enter the amount you wish to withdraw.
• Review the transaction fee, if applicable.
• Confirm the transaction.

It may take 1 to 5 business days for the funds to reflect in your bank account, depending on your country and the issuing bank. Some platforms offer instant transfers, but they may come with higher fees.

Always double-check the withdrawal limits and processing times before confirming the transaction.

Frequently Asked Questions (FAQs)

Q: Can I withdraw USDT directly to my bank card without converting to fiat?

No, USDT is a cryptocurrency, and direct withdrawals to bank cards are only possible after converting it to a fiat currency like USD or EUR through a compatible exchange.

Q: Why does my bank card keep getting declined during the withdrawal process?

This could happen due to several reasons, including incomplete KYC verification, incorrect card information, or the card not being eligible for crypto-related transactions. Contact your exchange support team and check with your bank to resolve the issue.

Q: Are there any fees involved in withdrawing to a bank card?

Yes, most exchanges charge a processing fee for fiat withdrawals to bank cards. These fees vary by platform and region. Always review the fee schedule before initiating a transfer.

Q: What should I do if the funds don’t arrive within the expected time frame?

If the funds haven’t arrived within the stated processing time, check your transaction status on the exchange and contact their customer support. Provide them with the transaction ID and any relevant screenshots for faster resolution.