USDT occupies a special place in the world of cryptocurrencies. This stablecoin, pegged to the US dollar, is used to store and transfer funds. Owners of digital assets often face the question of how to withdraw money from a USDT wallet and convert tokens into fiat. The withdrawal and conversion process has a number of features – from choosing a network to minimizing fees.
Choosing the right network: why is this critically important
USDT exists on several blockchains at the same time. Choosing the wrong network when transferring can lead to loss of funds.
TRC20 (TRON)
The TRON network has become the de facto standard for USDT transfers. Fees here range from $0.5 to $3, and transactions are confirmed in 1-3 minutes. That is why when users search for how to withdraw USDT TRC20 with minimal costs, they most often choose this network. True, in December 2024, the fees temporarily soared to $9, but now the situation has stabilized.
An interesting feature of TRC20: if the recipient’s wallet already has USDT, the fee will be about 13.8 TRX. But if the wallet is empty, you will have to pay twice as much – 27.7 TRX. The TRON network uses a systеm of energy and bandwidth instead of classic fees, which allows experienced users to save on transfers.
ERC20 (Ethereum)
Ethereum remains the safest and most widely supported network, but fees here can reach $20-60 during peak hours. The average fee during quiet times is about $6.6. The ERC20 network is used in cases where it is the only possible one for the recipient, or for transactions with large amounts that require maximum reliability.
BEP20 (Binance Smart Chain)
BSC offers an optimal balance: fees rarely exceed $1.5, and the processing speed is comparable to TRON. The only downside is that not all exchanges and exchangers support this network.
Main ways to withdraw USDT to a card
P2P trading on exchanges
Large exchanges – Bybit, MEXC, OKX, Binance, BingX – offer direct exchange between users with an escrow guarantee.
On the platform, you need to sеlect a seller or buyer with a good rating and suitable conditions. After creating a deal, USDT is blocked on the platform until payment is confirmed. The buyer transfers rubles to the specified card. After the funds are credited, the payment is confirmed and the exchange transfers USDT to the buyer.
The advantages of P2P are obvious: favorable rates, many payment methods, protection through escrow. But there are also risks. You can receive money from dubious accounts, which will lead to blocking under Federal Law 115. Some fraudsters use schemes with payment cancellation after receiving the cryptocurrency.
Online exchangers: fast and anonymous
Online exchangers in 2025 are used as an alternative for exchanging cryptocurrencies. Platforms process applications in 15-20 minutes and do not require complex verification.
For example, Barry24 supports USDT withdrawal without mandatory KYC verification. The platform allows transactions with or without AML verification and processes applications usually within 20 minutes. Minimum exchange amounts make the service accessible to users with different amounts of funds.
Crypto wallets with a withdrawal function
Some wallets, including Trust Wallet in conjunction with partner services, allow you to withdraw funds directly to a card. The process is convenient, but the fees are usually higher than when using specialized platforms.
USDT Withdrawal Fees: How to Save
The size of the fee depends on many factors, and understanding these nuances will help you save significantly.
Network Fees
Each transaction in the blockchain requires paying a fee to miners or validators. In 2025, the average fees are: TRC20 – $2.5, ERC20 – $6.6, BEP20 – $1.5, Polygon – $1.5. In February 2025, Tron introduced the Gas Free feature for USDT, which allows transactions to be made without using TRX to pay for gas.
Platform Fees
Exchanges and exchangers take their own fees on top of the network fee. P2P platforms usually charge 0.5-1% of the transaction amount. Exchangers can inсlude a commission in the rate – the difference with the exchange rate is 2-5%. Some platforms offer free internal transfers between accounts.
How to save
Use internal transfers on exchanges – you can transfer USDT between Binance or Bybit accounts without a commission. For regular transfers on the TRON network, you can stake TRX and receive energy for free transactions. You can rent energy and save up to 65% on fees. Choose a time with low network load – usually night hours Moscow time.
Safe USDT withdrawal – how not to become a victim of scammers
Checking addresses and networks
The most common mistake is sending USDT on the wrong network. If you send TRC20 tokens to an ERC20 address, the funds will be lost forever. Always double-check the first and last characters of the address. Start with a small test amount when working with a new recipient.
P2P risks and how to avoid them
When trading P2P, choose only verified sellers with a rating above 95% and a number of transactions from 100. Check that the name of the payment sender matches the verified name on the exchange. Never cancel a transaction after receiving payment – this is a classic scam. Take screenshots of all stages of the transaction for possible disputes.
AML verification: what you need to know
AML (Anti-Money Laundering) is a set of measures to combat money laundering. In cryptocurrency, this means checking the “purity” of coins. A cryptocurrency is considered “dirty” if it is associated with the darknet, hacker attacks, fraud or mixers.
Risk Score is an indicator from 0 to 100 that determines the likelihood of funds being associated with illegal activity. Most exchanges block funds with a Risk Score above 70%. You can check the address through the services Chainalysis, Elliptic, AML Crypto, GetBlock. Some exchangers, including the aforementioned Barry24, offer exchange without AML verification for those who do not want to disclose the sources of funds.
Step-by-step instructions: USDT TRC20 how to withdraw through Barry24
Let’s look at the detailed process of anonymous exchange via the Barry24 service, which clearly shows how to withdraw money from a USDT wallet without verification.
Step 1: Selecting the exchange direction. On the main page of the barry24.com website, in the left field “Give” you must specify USDT and the corresponding network (TRC20 is used to minimize fees). In the right field “Receive” you sеlect the method of receiving funds: a Russian bank card, SBP or an electronic wallet. The platform supports Sberbank, Tinkoff, VTB, Alfa-Bank and other Russian banks.
Step 2: Calculating the amount and checking the rate. The amount of USDT for exchange is indicated. The systеm automatically calculates the amount to be received at the current rate. When selecting the type of exchange, you can use the option with or without AML verification (marked as “NO AML”). The AML-free option allows you to conduct a transaction without disclosing the sources of funds.
Step 3: Filling in the data for receipt. The details for receiving rubles are specified. For a bank card, the recipient’s card number is entered; when withdrawing via the SBP, the phone number linked to the bank is entered. An email is also specified for notifications about the exchange status. Optionally, you can add Telegram to contact support.
Step 4: Creating and paying for an application. After creating an application, the systеm provides the USDT wallet address for the transfer. Make sure that the correct network is selected (TRC20, ERC20 or BEP20). It takes 30 minutes to send the exact amount of USDT.
Step 5: Sending USDT and waiting for processing. USDT is sent to the specified address using the selected network. After sending, you must wait for confirmation in the blockchain (usually 1-3 minutes for TRC20). The Barry24 P2P systеm ensures that funds are received from an individual, not from a company, which reduces the risk of blocking under Federal Law 115.
Step 6: Receiving funds. After the transaction is confirmed in the blockchain, the application is processed. In most cases, the funds are credited to the card within 5-20 minutes. A notification about the completion of the exchange with the details of the transaction will be sent to your email. Save this email for your records.
Alternative withdrawal methods
Cryptocurrency cards
Some services provide cards with automatic cryptocurrency conversion. USDT in the account is converted to fiat when paying by card at the current rate. The commission is usually 1–3% of the transaction amount.
Withdrawal via payment systems
Payeer, Perfect Money, AdvCash e-wallets support USDT and allow withdrawals to cards of Russian banks. The process takes longer and involves double conversion, but sometimes it is the only available option.
Local exchangers and cash
Cryptocurrency exchange offices for cash operate in large cities. The rate is usually less favorable, but you can get money immediately and without a trace in your bank history. Be sure to check the legality of such services.
Tax aspects of USDT withdrawal
Income from the sale of cryptocurrency is taxed at 13% for residents of the Russian Federation. The tax is calculated as the difference between the purchase and sale prices. If you own USDT for more than three years, you may receive a tax deduction. Amounts from 600,000 rubles per year are subject to self-declaration.
Banks may request confirmation of the source of funds for regular receipts from crypto exchanges. Prepare documents: transaction history, screenshots from the exchange, P2P transaction receipts.
Common errors when withdrawing USDT
Sending to the wrong network remains the number one mistake. Many lose funds by sending TRC20 tokens to ERC20 addresses. Ignoring the verification of the recipient’s address leads to sending funds to scammers. Always copy the address, never enter it manually.
Using unverified exchangers for the sake of a favorable rate often ends in a loss of funds. Working with counterparties without a reputation on P2P increases the risk of receiving “dirty” money. Storing large amounts on exchanges is dangerous – use cold wallets for long-term storage.
Forecast for the future: what awaits the USDT withdrawal market
Cryptocurrency regulation in Russia continues to tighten. The Bank of Russia proposes to limit P2P transactions, which may complicate the withdrawal of funds. The development of CBDC (digital ruble) may offer alternative methods of conversion. Decentralized exchanges (DEX) are gaining popularity as a way to bypass centralized control.
Technological improvements are also not standing still. Layer 2 solutions for Ethereum reduce fees and speed up transactions. Atomic swaps will allow you to exchange USDT for fiat without intermediaries. Integration of cryptocurrencies into traditional banking will simplify the withdrawal process.
Conclusion
Withdrawal of USDT from a wallet in 2025 is carried out through different methods: P2P platforms, exchangers and direct withdrawal through wallets. P2P platforms provide a balance of speed, security and rate, exchangers are suitable for fast transactions, direct withdrawal through wallets has higher fees. Security of transactions is ensured by address verification and the use of platforms with a proven reputation.
FAQ
Is it possible to withdraw USDT without verification?
Yes, some exchangers and P2P platforms allow you to work without KYC for small amounts. Exchangers like Barry24 specialize in anonymous transactions. However, large amounts almost always require verification.
What should I do if I sent USDT on the wrong network?
Unfortunately, in most cases, funds cannot be recovered. Some exchanges can help for a fee of $50-200, but only if the address belongs to them. Always check the network before sending.
How do I know if my cryptocurrency is “clean”?
Use AML verification services: GetBlock, AML Crypto, Crystal Blockchain. They will show the Risk Score of the address. A rate below 25% is considered safe for most exchanges.
What is a normal USDT withdrawal fee?
For TRC20, a normal fee is $1-3, for ERC20 – $5-15 depending on the network load. If the exchanger takes more than 5% on top of the exchange rate, it is worth looking for alternatives.
Can a card be blocked for cryptocurrency transactions?
Yes, this situation is possible. The bank has the right to suspend the account if it considers the transactions suspicious within the framework of Federal Law 115-FZ. Most often, the risk of blocking arises with regular transfers of large amounts or when receiving money from unknown senders.
