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 to a bank account. Whether you're using Huobi (now HTX), OKX, or another major exchange, understanding the correct process is crucial for a smooth, safe transaction.
This guide walks you through step-by-step methods to withdraw USDT to your bank card, explains how to choose the right blockchain network, and provides essential tips for maximizing security and speed.
How to Withdraw USDT to Bank Card via Huobi (HTX)
Huobi, now rebranded as HTX, remains one of the most widely used platforms for trading and withdrawing USDT. Follow these steps to complete a successful withdrawal:
Step 1: Log In to Your Account
Open the Huobi website and log in using your credentials.
Step 2: Navigate to the Fiat Trading Section
Once logged in, go to the "Fiat" section from the main menu. This area facilitates peer-to-peer (P2P) transactions between buyers and sellers.
Step 3: Select “Custom Trading”
In the fiat trading interface, click on "Custom Trading" to filter offers that match your preferred terms.
Step 4: Choose Bank Card as Payment Method
Under payment options, select Bank Card to ensure the buyer will transfer funds directly to your bank account.
Step 5: Complete the P2P Sale
Browse available sellers, review their ratings and transaction history, then initiate a sale. After confirming the buyer has sent the funds, release the USDT from escrow.
✅ Tip: Always confirm receipt of funds before releasing cryptocurrency. Use trusted traders with high completion rates.
👉 Learn how to securely trade USDT for fiat on a trusted platform.
Choosing the Right USDT Network for Withdrawals
Before transferring USDT from any exchange, you must select a blockchain network. The choice affects speed, cost, and safety. Here are the three most common types:
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 (10–30 minutes) and require high miner fees. Best suited for large, non-urgent transfers.
2. ERC20-USDT – Balanced Performance
Built on Ethereum, this version offers faster confirmation times than Omni and is widely supported across exchanges. While gas fees can fluctuate, it's ideal for regular traders and medium-sized transactions.
3. TRC20-USDT – Fastest & Lowest Cost
Launched in 2019 on the TRON network, TRC20-USDT provides near-instant transfers with zero transaction fees. Though slightly less decentralized, it's perfect for small to medium withdrawals where speed matters most.
🔐 Recommendation: Use TRC20 for quick, low-cost transfers; use Omni or ERC20 only when required by the receiving platform.
How to Sell USDT for CNY on OKX
OKX is a leading global exchange offering seamless P2P trading between USDT and Chinese yuan (CNY). Here's how to cash out:
Step 1: Log In and Access Assets
Launch the OKX app or visit the web platform, then log in. Go to Assets > Spot Wallet.
Step 2: Transfer USDT to Funding Account (if needed)
If your USDT is in a trading or derivatives account, transfer it to your funding wallet first.
Step 3: Enter P2P Trading Section
Click on "Buy Crypto" > "P2P Trading", then select "Sell USDT".
Step 4: Choose a Buyer and Payment Method
Filter offers by payment method (e.g., bank transfer) and select a reputable buyer. Confirm the amount and price, then place your sell order.
Step 5: Confirm Payment and Release Funds
Once the buyer sends money to your linked bank account, verify the deposit and click "Confirm Receipt & Release" to complete the trade.
👉 Start selling USDT instantly with fast settlement options.
Frequently Asked Questions (FAQ)
Q1: Can I withdraw USDT directly to my bank card?
No. USDT is a cryptocurrency and cannot be directly deposited into a traditional bank account. You must first sell USDT via P2P trading or convert it to fiat through an exchange before receiving funds in your bank.
Q2: Which USDT network should I use for fastest withdrawal?
Use TRC20-USDT for the quickest transfers with no fees. Most exchanges support TRC20, making it ideal for fast withdrawals.
Q3: Is it safe to sell USDT for CNY on exchanges?
Yes — if you use reputable platforms like OKX, Huobi, or Binance and follow P2P trading rules. Always confirm payment before releasing coins and avoid unverified traders.
Q4: Why do some USDT withdrawals fail?
Common causes include selecting an unsupported network, entering an incorrect wallet address, or insufficient gas fees (for ERC20). Double-check all details before submitting.
Q5: Are there limits on how much USDT I can withdraw?
Yes. Daily withdrawal limits depend on your account verification level (KYC) and local regulations. Higher verification tiers allow larger transactions.
Q6: What happens if my account gets frozen during a transfer?
Sudden large inflows of fiat may trigger bank alerts. To reduce risk, spread large withdrawals over time and maintain clear transaction records for compliance.
Alternative Methods: Converting USDT to Cash
While P2P trading is the most common route, other services integrate crypto-to-fiat gateways:
- Some fintech apps allow users to convert USDT into local currency and withdraw via linked cards.
- International remittance tools may use USDT as an intermediary asset for cross-border transfers.
- Crypto debit cards let you spend USDT directly, though availability varies by region.
However, due to regulatory changes — especially in mainland China — direct conversion services are limited. Always comply with local laws when handling digital assets.
Final Tips for Safe & Efficient Withdrawals
- ✅ Always use two-factor authentication (2FA) on your exchange accounts.
- ✅ Double-check wallet addresses and network types before sending funds.
- ✅ Prefer exchanges with strong reputations and robust customer support.
- ✅ Keep transaction records for tax and compliance purposes.
- ✅ Avoid sharing sensitive information during P2P trades.
👉 Maximize your withdrawal efficiency with advanced trading tools.
By following this guide, you can confidently convert USDT to cash and withdraw it to your bank account using secure, proven methods. Whether you're using Huobi, OKX, or another platform, understanding network options, P2P mechanics, and safety practices ensures a seamless experience in 2025 and beyond.