How to Withdraw USDT to Bank Card – A Complete 2025 Guide

·

With the growing adoption of stablecoins like USDT (Tether), more users are looking for secure and efficient ways to convert their digital assets into fiat currency and withdraw them directly to a bank card. Whether you're using platforms like Huobi or exploring broader methods across exchanges, understanding the correct withdrawal process is crucial for both safety and speed. This guide walks you through step-by-step procedures, chain selection tips, legal considerations, and best practices for withdrawing USDT to your bank account in 2025.

Step-by-Step: How to Withdraw from Huobi to Bank Card

Withdrawing funds from Huobi (now known as HTX) involves using its peer-to-peer (P2P) fiat trading system. Here’s how:

  1. Log In to Your Account
    Open the Huobi website or app and log in securely with your credentials.
  2. Navigate to the Fiat Section
    On the homepage, locate and click on “Fiat Trading” or “C2C Trading.”
  3. Select Custom Trading
    Enter the P2P marketplace and choose “Custom Trading” to filter offers based on your preferred terms.
  4. Choose Bank Transfer as Payment Method
    Filter available buyers by selecting “Bank Transfer” under payment methods to ensure funds go directly to your bank account.
  5. Complete the Transaction
    Select a trusted seller with high completion rates and favorable rates. Initiate the sale of your USDT, confirm the amount, and wait for the buyer to send the payment. Only release the USDT after verifying that the funds have arrived in your bank account.

👉 Learn how to securely trade USDT for fiat with low fees and fast settlements.

Understanding USDT Chain Types: Which One Should You Use?

Before withdrawing, it's essential to understand which blockchain network your USDT is on—this affects speed, cost, and compatibility.

1. Omni-USDT – Highest Security, Slowest Speed

Launched in 2015 on the Bitcoin network, Omni-USDT offers strong security due to Bitcoin’s robust consensus mechanism. However, transactions are slow (can take over 30 minutes) and require high miner fees. Best suited for large, non-urgent transfers where security is paramount.

2. ERC20-USDT – Balanced Performance

Built on the Ethereum network, ERC20-USDT provides faster transaction speeds than Omni and is widely supported across exchanges. While gas fees can fluctuate depending on network congestion, it remains a reliable choice for regular traders and moderate-sized transfers.

3. TRC20-USDT – Fastest & Lowest Cost

Introduced in 2019 on the Tron network, TRC20-USDT stands out for near-instant confirmations and zero transaction fees. It's ideal for small to medium withdrawals where speed matters most. However, use caution when sending large amounts due to relatively lower decentralization and security compared to Bitcoin or Ethereum-based versions.

✅ Pro Tip: Always verify which chains your receiving wallet or exchange supports before initiating a transfer.

How to Sell USDT for CNY on Major Exchanges

While Huobi uses a P2P model, other platforms offer direct conversion options.

Using OKX (formerly OKEx):

  1. Log into your OKX account via web or mobile app.
  2. Go to Assets > Spot Wallet, then select Transfer to move USDT from spot to funding wallet if needed.
  3. Navigate to Buy Crypto > Sell USDT in the fiat section.
  4. Choose “Bank Transfer” as the payout method.
  5. Select a buyer, enter the amount, and complete KYC verification if prompted.
  6. After receiving payment confirmation, click Release USDT to finalize the transaction.

Ensure your bank details are pre-verified to avoid delays.

👉 Discover a faster way to convert USDT to local currency with instant bank settlement.

Can You Directly Withdraw Cryptocurrency to a Bank Card?

No—cryptocurrencies like USDT cannot be directly transferred to a traditional bank card. Instead, you must first convert them into fiat money (e.g., USD, EUR, CNY) through one of these methods:

Always comply with local regulations and complete identity verification (KYC) to enable fiat withdrawals.

Frequently Asked Questions (FAQs)

Q1: Is it legal to withdraw USDT to a bank account in China?

As of 2025, while owning cryptocurrency isn’t illegal in China, financial institutions are prohibited from processing crypto-related transactions. Selling USDT via P2P platforms may not be explicitly banned, but large inflows could trigger bank scrutiny or temporary freezes.

Q2: Why does my USDT withdrawal take so long?

Transaction time depends on the blockchain used:

Q3: Are there fees when selling USDT for fiat?

Most exchanges charge zero fees for P2P trades, but spreads (price differences) act as an implicit cost. Internal transfers and blockchain withdrawals may incur small network fees depending on the chain.

Q4: What should I do if a buyer doesn’t pay after I release USDT?

Never release coins before confirming payment. Reputable platforms have escrow systems—if fraud occurs, report immediately with transaction proof for dispute resolution.

Q5: How much USDT can I sell at once?

Limits depend on your account verification level and platform policies. Verified users typically enjoy higher limits (up to $100,000+ monthly). For large volumes, consider splitting trades across multiple trusted buyers.

Q6: Can I get a receipt or invoice for my USDT sale?

Some exchanges provide transaction records usable for personal accounting. For official documentation, use regulated fintech services that issue formal payment receipts.

Ensuring Safety During Withdrawals

👉 Securely manage your digital assets and access fast fiat withdrawals with advanced protection tools.

Final Thoughts

Converting USDT to fiat and withdrawing to a bank card has become increasingly streamlined thanks to P2P trading and improved exchange infrastructure. By choosing the right blockchain (TRC20 for speed, Omni for security), following verified platforms’ procedures, and staying aware of regulatory boundaries, users can efficiently bridge the gap between digital assets and real-world spending power.

Whether you're cashing out profits or managing cross-border payments, mastering this process ensures greater financial flexibility in today’s evolving digital economy.