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How to withdraw USDT to a bank account

6 min read

How to withdraw USDT to a bank account or mobile money: you cannot send USDT to a bank directly. You first sell it for your currency, on an exchange or to a person on a P2P market, and then withdraw the money. This guide shows both routes, moving USDT from Trust Wallet or a TON wallet to an exchange, the fees, and what to do if a withdrawal gets stuck.

Two routes to your bank

RouteMoney comes fromMain risk
Sell on the exchange, withdraw currencyThe exchangeFees, limits, availability in your country
Sell on P2P to a personThe buyer's accountFake payments, stolen money, reversals

Route 1: sell on an exchange

  1. Deposit USDT to the exchange on a supported network.
  2. Sell USDT for your currency on the market or with "sell".
  3. Withdraw to your bank, card or mobile money, as offered in your country.

This is the safest route because the money comes from a regulated company, not from a stranger.

Route 2: sell on P2P

  1. Post a sell ad or choose a buyer with many completed trades.
  2. The platform locks your USDT in escrow.
  3. The buyer pays to your bank or wallet.
  4. You check the money in your own banking app, matching the buyer's verified name.
  5. You release the USDT.

Release only after the money is in your account. Screenshots, SMS and "pending" messages are the tools of P2P fraud.

From Trust Wallet or a TON wallet

Self-custody wallets cannot pay out to banks. Send the USDT to an exchange first:

  1. On the exchange, open "deposit", choose USDT and the network that matches your wallet (for a TON wallet, choose TON).
  2. Copy the address and, if shown, the memo.
  3. In the wallet, send a small test amount to that address.
  4. When it arrives, send the rest and continue with route 1 or 2.

Withdrawal stuck or missing

  • Wrong network: contact the receiving platform's support with the transaction hash; some can recover it for a fee.
  • Missing memo: the same; support needs the hash and the memo you should have used.
  • Travel Rule check: some exchanges hold deposits until you confirm the wallet is yours.
  • Bank delay: local transfers can take from minutes to a working day.

Tax and records

In many countries selling crypto is a taxable event. Keep the dates, amounts and prices. Country rules: is crypto legal, country by country. Local cash-out guides: Nigeria, India, Pakistan, Philippines, Kenya, Ghana, South Africa.

TotalHash is a free mining game in Telegram. Tasks and short ads pay small amounts of USD₮ and GRAM to your own TON wallet, from 1 USD₮ with a 0.1 USD₮ fee; from there the routes above apply.

Small USD₮ payouts in a free Telegram game.

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Quick answers

Can I send USDT directly to my bank account?

No. You sell USDT for your currency first, on an exchange or P2P, and then withdraw the money.

How do I withdraw USDT from Trust Wallet to my bank?

Send it to an exchange on the matching network, sell it, then withdraw to your bank.

I sent USDT on the wrong network. Is it lost?

Not always. Contact the receiving platform's support with the transaction hash.

How long does a USDT withdrawal take?

The blockchain transfer takes minutes; the bank transfer after selling can take up to a working day.