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I am a crypto expert. On the market since 2017.
No hype, no "rocket". Only analytics and cold calculation.

How to withdraw cryptocurrency from Binance to a bank card: a complete guide

I have been working with cryptocurrencies for a long time and actively use various exchanges, including Binance, for trading and passive income. One of the most common questions from my readers and subscribers is how to safely withdraw cryptocurrency to a bank card , especially in hryvnia. In this article, I will talk in detail about withdrawing USDT and USDC via P2P , give my own tips on what to pay attention to, and share typical mistakes made by beginners.

Why USDT and USDC are the most convenient for withdrawal

In my experience, it is easiest to withdraw cryptocurrency from an exchange in stablecoins such as USDT or USDC. Why?

  1. Their exchange rate is stable and equals approximately one US dollar.

  2. It is easy to exchange any cryptocurrency for USDT/USDC via the spot market.

  3. Suitable for P2P withdrawal, i.e. exchanging cryptocurrency for hryvnia directly with other users.

If you have, for example, Ethereum, simply sell it for USDT on the spot market and the money is ready for withdrawal.

P2P on Binance: how it works

P2P (peer-to-peer) is an exchange between two exchange users. You sell cryptocurrency, another user pays for it to a bank card. In my experience, this is one of the fastest and safest ways to withdraw funds .

Step-by-step algorithm:

  1. Make sure that the funds are in the replenishment account . If your assets are on a spot wallet, they need to be transferred to the replenishment account via the "Transfer" button.

  2. Select the coin to sell , for example, USDT, and enter the amount. 100 USDT = 100 USD, which is convenient for converting to hryvnia.

  3. Add a bank card to receive funds:

    • Profile → Payment method → ​​Add new method.

    • Choose a bank (for example, Monobank).

    • Enter the card number and confirm.

  4. Selecting an ad for sale:

    • Filter by amount, rate, and bank.

    • Be sure to look at the number of transactions and the percentage of their execution . The more transactions and the higher the percentage, the safer.

  5. Place an order and wait for payment to your card.

  6. Payment Verification : Make sure the money has been credited to your account before clicking "Payment Received."

This process only takes a few minutes if you choose the right ad.

What to look out for with P2P

  1. Exchange rate — look for the most favorable one. Even a few hryvnias difference per 100 USDT can be significant.

  2. Seller/buyer reputation — number of deals and completion percentage.

  3. Limits on the transaction amount - they may vary from seller to seller.

  4. Payment verification - never confirm receipt of funds if the money has not been credited to the card.

Pros and cons of P2P withdrawal

Pros:

  • Instant crediting of hryvnia to the card.

  • A safe method for beginners and experienced traders.

  • The ability to choose the most profitable course.

  • No complicated bank transfers or intermediaries required.

Cons:

  • It may take time to find a reliable ad.

  • Restrictions on transaction limits.

  • Dependence on the activity of other users on the P2P platform.

Typical mistakes of beginners

  1. They withdraw funds from the wrong wallet (spot instead of a replenishment account).

  2. They do not check the user's rate and reputation.

  3. They confirm receipt of funds that are not actually on the card.

  4. They ignore transaction limits and possible commissions.

  5. They use unstable altcoins for P2P withdrawals.

Safety tips

  • Always use 2FA (two-factor authentication) on Binance.

  • Only add verified bank cards.

  • Always check your account balance before confirming a payment.

  • Use P2P only through the official Binance app or website.

  • If you have any problems with the agreement, please submit an appeal via the "Help" button.

Comparison of withdrawal methods

Way Advantages Disadvantages
P2P Instant money receipt, favorable exchange rate, direct contact with the user Depends on the activity of other users, payment verification required
Bank transfer via exchange Direct withdrawal to card, official support Exchange fees, longer processing times
Exchange through third-party services You can exchange any crypto for hryvnias Higher fees, risk of fraud

In my experience, P2P is the fastest and most convenient way , as long as you follow all safety rules.

FAQ

Question: Can I withdraw any cryptocurrency via P2P?
Answer: The most convenient way to withdraw is USDT or USDC. Other coins must first be exchanged for these stablecoins.

Question: Can I use any bank card?
Answer: You need to add a verified card to your Binance profile, preferably from your bank that supports hryvnia.

Question: What should I do if the funds have not been received?
Answer: Do not confirm receipt of the payment. Use the "Help" button to appeal.

Conclusion

Withdrawing cryptocurrency from Binance to a bank card is a fast, convenient, and safe process if you know all the nuances. In my experience, P2P is the most profitable way , especially for USDT and USDC.

The main thing is to choose reliable ads, check the number of transactions and the percentage of execution, and not confirm the payment until the money has been credited to the card. By following these rules, you can quickly and safely convert cryptocurrency into hryvnia and receive money to your account in a few minutes.

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