🏦 How to Withdraw USDT to Your Bank Account (2025 Guide)

By Jason Miller – Crypto Writer 10.expert 🧠 Covering Bitcoin, altcoins, blockchain & Web3.

Tether (USDT) is one of the most popular stablecoins, but eventually, you may want to turn it into real money in your bank account. This guide will walk you through how to safely and efficiently withdraw USDT to USD (or other fiat) in 2025.

💡 1. Can You Withdraw USDT to a Bank?

Yes — but not directly. Since USDT is a cryptocurrency, you need to:

1. Sell it for fiat (USD, EUR, etc.)
2. Transfer that fiat to your bank

This can be done via:

• ✅ Crypto exchanges (Binance, Kraken, OKX)
• ✅ P2P platforms (Binance P2P, Paxful)
• ✅ OTC services
• ✅ Crypto-friendly apps (BitPay, Revolut, Crypto.com)

🧾 2. What You’ll Need Before You Start

✅ A verified account on a crypto platform
✅ Linked bank account or card
✅ KYC documents (passport, ID, etc.)
✅ USDT in your wallet (TRC20, ERC20, or BEP20)

🔄 3. Step-by-Step: Withdraw USDT via Binance

1. Deposit or have USDT in your Binance wallet
2. Go to “Sell Crypto” → Bank Transfer
3. Select USDT → Choose withdrawal currency (e.g., USD, EUR)
4. Enter amount → Confirm
5. Link your bank account or card
6. Complete KYC (if not done)
7. Funds arrive in 1–3 business days

💵 4. Using P2P (Peer-to-Peer) Platforms

P2P platforms let you sell USDT directly to buyers who pay you via:

• Bank transfer
• Revolut
• Wise
• Payoneer
• Zelle

Example: Binance P2P

1. Go to “P2P” in your app
2. Choose “Sell” → Select USDT
3. Filter for payment method (e.g., Zelle)
4. Pick a trusted buyer with ✅ verified badge
5. Enter amount and confirm
6. Release USDT after payment hits your bank

🛡 Tip: Only trade with high-rated users and use escrow!

🌍 5. Best Platforms to Withdraw USDT

⚠️ 6. Network Matters: TRC20, ERC20, or BEP20

Before withdrawing USDT:

• TRC20 (Tron): Low fees, fast — preferred
• ERC20 (Ethereum): Higher gas fees
• BEP20 (BNB Chain): Low fees, but not always supported

✅ Choose TRC20 if your exchange and bank allow it.

📉 7. What Are the Fees?

• Trading fee: 0–0.5% (for converting to fiat)
• Withdrawal fee: Varies by platform (from $0 to $30)
• Bank fees: Some banks charge incoming transfer fees

🧠 8. Is It Legal and Safe?

✅ In most countries, yes — as long as:

• You’ve completed KYC
• You’re not exceeding country-specific crypto limits
• You report taxes on gains (if applicable)

⚠️ Avoid off-platform deals with strangers. Use regulated platforms with escrow.

📦 9. Can You Withdraw to PayPal or Card?

Yes, some platforms support:

• PayPal USD withdrawals (via Coinbase or Paxful)
• Visa/MasterCard cash-out (via BitPay, Crypto.com, etc.)

🔄 Keep in mind fees may be higher than bank transfers.

✅ Final Thoughts

Withdrawing USDT to your bank is now easier than ever in 2025.
Just follow the golden rule: use trusted platforms, double-check payment details, and never release USDT before receiving fiat.