Want to get money from your Binance account into your bank account? The core operation is simple: sell your USDT to a buyer through C2C trading, and they transfer fiat to your bank account. It sounds easy, but there are important details at every step.
Before You Start
First, make sure of two things:
- Your USDT is in the "Funding Account" (if it's in your spot account, you'll need to transfer it over first — this is free)
- Your Binance account has completed KYC identity verification (you can't use C2C without it)
If you don't have an account yet, sign up for Binance and complete verification first.
Go to the C2C Sell Page
Open the Binance App or website, tap "Buy Crypto" → "C2C Trading," and switch to the "Sell" tab. Select USDT as the crypto, your local currency as the fiat, and "Bank Transfer" as the payment method.
The system will list multiple buyers, each with different prices, trade volumes, and completion rates. Prioritize merchants with a high number of completed trades and a completion rate above 98% — they tend to pay quickly and have extremely low dispute rates.
Select a Merchant and Place the Order
After choosing a merchant, enter the amount of USDT you want to sell (or enter the fiat amount you want to receive), then confirm the order. Your USDT will be frozen in escrow, waiting for the buyer to pay.
After placing the order, check the payment details on the order page and make sure your bank information is correct. If you haven't linked a bank account before, the system will prompt you to add a payment method first.
Confirm Receipt Before Releasing Coins
The buyer will transfer funds to your bank account within the time limit (usually 15–20 minutes). After receiving the transfer notification, always open your banking app to verify the actual amount received — don't release coins based solely on screenshots or chat messages.
Once you've confirmed the correct amount, go back to the order page and click "Confirm Release," then enter your verification code to complete the process. The USDT is released from escrow to the buyer, and the transaction is done.
Practical Tips
Use a bank account in your own name — the name must match your Binance KYC identity, or the buyer may refuse to pay.
Keep individual transactions under 50,000 CNY — larger amounts may trigger bank risk controls. If you need to cash out more, spread it across several days.
Don't do it too frequently — one or two transactions per day, three to five per week is a safe pace. Overly frequent transactions may attract scrutiny from your bank.
The entire withdrawal process typically takes 10–30 minutes, with funds arriving in your bank account in real time. It's currently the most common cash-out method for users in China.