Live · Bybit USD · 243 rails

Bybit P2P · USDT/USD 🇺🇸

The live Bybit P2P USDT/US Dollar market across 243 payment methods. Cheapest BUY: $0.80 · highest SELL: $1.20 · spread 50.00%.

Best Buy
$0.80
cheapest USDT, any rail
Best Sell
$1.20
highest sell, any rail
Buy / Sell ads
1.5K / 2.8K
4.3K total · 24h
Spread
50.00%
arb window

Payment methods · Bybit USDT/USD

#Payment methodBuy priceSell priceBuy adsSell adsActivity 24h
1Bank Transfer$0.80$1.20382691.6K
2Wise$1.00$1.02531312.0K
3Revolut$1.00$1.20651141.9K
4Balance$1.00$1.0098433.3K
5Skrill$1.02$1.015974996
6Zelle$0.80$1.203992888
7Opay$1.201107525
8AirTM$1.01$1.204748605
9ABA$1.00$1.0033591.7K
10TBC Bank$1.00$1.002165980
11Bank of Georgia$1.00$1.0026571.3K
12Freedom Bank$1.00$1.003250481
13Kuda Bank$1.2075377
14Raiffeisen$0.80$1.201955357
15Monobank$1.00$1.202846512
16ACLEDA$1.00$1.0030401.4K
17WingMoney$1.00$1.0029401.3K
18Mobile top-up$0.80$1.201749367
19KHQR$1.00$1.0027391.0K
20Privat Bank$1.00$1.202540476
21Banco Pichincha$1.00$0.994124927
22Zinli$1.02$1.022534722
23Kaspi Bank$1.02$1.201938301
24NETELLER$1.04$0.992629454
25CenterCredit Bank$1.02$0.991735183
26mBank$1.02$1.002128322
27GTB Bank (Guarantee Trust Bank)$1.20148264
28Halyk Bank$1.01$1.201431241
29Kuda$1.20142218
30International Bank of Tajikistan$1.02$1.011726278
31Bank of America$1.00$1.021330375
32Cash app$0.80$1.021823118
33Western Union$1.00$0.99355481
34Bakai Bank$1.02$1.001822240
35Banco Guayaquil$1.00$0.992217757
36Cash Deposit to Bank$0.80$1.201028118
37Jusan Bank$1.04$0.99830121
38MAIB$1.00$1.002314520
39Zen$1.01$1.001917476
40Paysend$1.02$0.95305856
41Moneygram$1.00$0.93304299
42VictoriaBank$1.00$1.001915508
43Optima Bank$1.02$1.001221213
44First Bank$1.20130143
45Produbanco$1.00$0.991516656
46PayPal$1.00$1.02151574
47PUMB$1.00$1.201514208
48Demir Bank$1.02$1.001512152
49whish MONEY$1.01$0.981214191
50Ameriabank$1.04$1.0052192
51Wally Tech$1.03$1.011511240
52Bank transfer (Cambodia)$1.00$1.00817380
53Forte Bank$1.08$0.9952070
54Credo Bank$1.01$0.99914650
55Banco del pacifico$1.01$0.991012574
56IDBank$1.05$1.0031864
57KICB$1.02$1.0051575
58SEPA Instant$1.0011733
59Mercantil Bank Panama$1.02$1.0010783
60Banco Bolivariano$1.01$0.99610320
61Commercial bank Kyrgyzstan$1.03$1.0041158
62Venmo$1.00$1.019682
63Banco general panama$1.02$1.016863
64SWIFT$1.04$1.00410134
65Liberty Bank$1.00$0.9977341
66VakifBank$1.05$1.0041043
67UniBank$1.05$1.0031050
68Ziraat$1.05$1.015831
69Bank Transfer (Argentina)$1.04$1.034955
70Inecobank$1.04$1.004959
71Maybank$0.80$1.2058166
72Banco Brubank$1.04$1.0331062
73Prex$1.04$1.006660
74Pipol Pay$1.09$1.018439
75International Wire$1.0011125
76O!Money$1.03$1.006539
77Bank of China (Hong Kong)$1.02$1.2011028
78Banesco Panama$1.04$1.014778
79Humo$1.04$1.004680
80ACHXpress Panamá$1.02$1.0073106
81Bank of the philippine Islands (BPI)$1.20$1.0028125
82TowerBank Panamá$1.02$1.0064124
83N26$1.04$1.0028120
84Facebank International$1.10$1.025532
85Oschadbank$1.201818
86ING$1.101815
87Touch n Go$0.80$1.204595
88Uzcard$1.04$1.002663
89SEPA$1.10$0.981740
90Banistmo Panama$1.04$0.996232
91True Money$1.04$1.0035132
92Gcash$1.20$1.0026123
93DCBank$1.03$1.004325
94Eurasian Bank$0.971611
95Mercadopago$1.07$1.032527
96Apple Pay$1.00$1.012557
97Payeer$0.951611
98Paymaya$1.20$1.001638
99BBVA$1.001681
100MoMo$1.05$1.20169
101UnionBank of the Philippines$1.19$1.001536
102Banco Rio$1.04$1.032425
103MTN Mobile Money$1.03$1.2015144
104PriorBank$1.03$0.991515
105Reba$1.031529
106Transferencia ACH (Panamá)$1.025123
107Altyn Bank$1.10$0.984213
108FCMB$1.20529
109Banks transfer (Vietnam)$1.05$0.98147
110CIMB$1.00$0.9523353
111Global66$1.03$1.003244
112Coins.ph$1.20$1.0023115
113Itaú Uruguay$1.01$0.983220
114KoronaPay$1.10$0.923148
115Bank Transilvania$0.9946
116Metropolitan Bank of the Philippines$1.20$0.951333
117EasyPay$1.00446
118Paysera$1.201335
119Interac e-transfer$1.2044
120Hong Leong Bank$0.80$1.2031130
121Multibank Panama$1.05$1.013119
122Vietcombank$1.05$0.98136
123M-Pesa Kenya(Safaricom)$1.03$1.0513166
124Home Credit Bank$0.991325
125Public Bank Berhad$0.80$1.2031130
126ACB$0.83134
127Bank of the Republic of Uruguay$1.00123
128UniCredit$0.951220
129Banco De Oro (BDO)$0.9834
130Deniz Bank$1.00$0.95124
131Scotiabank Uruguay$1.05$0.98126
132Bank RBK$1.10$0.91213
133SEA Bank$1.10$0.92215
134BCA Mobile$1.12$0.981216
135Raiffeisen Bank Aval$1.00124
136BDO$1.19$0.981229
137Interbank$1.01$1.001292
138Banco Santander Uruguay$1.05$0.982117
139OCA Blue$1.05$0.982117
140Komo Bank$1.19$0.951228
141RSK Bank$1.03$1.001230
142Yape$0.99123
143Bakong$1.01$1.0012122
144Permata Me$1.12$0.981212
145LandBank of the Philippines$1.19$0.931228
146Garanti$0.91123
147Vodafone cash$0.851223
148Bank Eskhata$1.20$0.971210
149Halkbank$0.97123
150Fidelity Bank$1.20322
151Google Pay$0.80112
152Idram$0.97112
153Banco de Costa Rica$0.91112
154Ipoteka Bank$0.98116
155Banco Union$0.95112
156Kasikornbank$1.11212
157Banco Lafise Nicaragua$0.92119
158Lemon Cash$1.181128
159Fio banka$0.9822
160Banco Hipotecario SV$0.91114
161MTBank$0.98112
162finansbank$0.91112
163Mony$0.94117
164Monzo$0.91112
165Nurbank$0.9122
166Credit Bank of Peru$1.02$1.001173
167OCBC Bank$0.80112
168OCBC NISP$1.12$0.92114
169Banco BAC Credomatic SV$0.91112
170Banco Agricola SV$1.07$0.91112
171Orienbank$1.20113
172PayMe$0.95112
173Perfect Money$0.98112
174Citibanamex$1.0722
175Pix$0.99112
176Chipper Cash$1.201114
177izibank$1.20112
178BNP Paribas$0.92112
179BIDV$0.8122
180Qatar National Bank QNB$0.9622
181Bank Transfer (Middle East)$0.9622
182Red Pagos$1.05229
183ScotiaBank Peru$1.001133
184Scotiabank Panama$1.031124
185BBVA Uruguay$0.98112
186Bunq$0.9028
187TD Bank$1.0026
188UPI$1.121120
189Bank transfer (Costa Rica)$0.94112
190BAC Credomatic$1.04115
191ArmEconomBank$0.94114
192ArmBusinessBank$1.10$0.96114
193Arca$0.96113
194Bank Transfer (Turkey)$0.98118
195Banco de Credito$1.001170
196Bandes Uruguay$0.9811
197Santander Poland$0.8111
198Saudi National Bank (AlAhli Bank)$0.9511
199Xalq Bank$0.9911
200Kuveyt Turk$0.9111
201Mox Bank$0.8611
202Shopee$1.1011
203ShopeePay-SEA$1.1011
204enpara.com$0.9811
205SmartPay$1.2012
206Spitamen Bank$0.9511
207Stanbic Ibtc Bank$1.00114
208Starling Bank$0.9712
209Swish$0.8611
210BancolombiaS.A$1.0111
211Al Rajhi Bank$0.9513
212Boubyan Bank (K.S.C) (Boubyan)$0.9511
213Bizum$0.9913
214stc pay$0.9513
215Banco Estado$1.0013
216HSBC Hong Kong$0.9611
217bKash$0.9511
218Easypaisa-PK Only$0.9511
219Mercantil$1.2011
220Uphold$1.04113
221Paynet$1.05137
222BRD Bank$1.1011
223CliQ$1.20112
224M-Pesa(Vodafone)$0.9513
225Coinpay$1.0012
226Bank Pivdenny$1.0011
227Bank Vlasnyi Rakhunok$1.0011
228Banco de Chile$1.0111
229Lloyds Bank$0.9611
230Ligo$1.0412
231Kuwait Finance House (KFH)$0.9511
232BanBif$1.0411
233Pyypl$1.2017
234GoPay$0.98112
235Orange Money-OM$1.191100
236Nequi$1.0911
237National Bank of Kuwait (K.S.C) (NBK)$0.9111
238Jaiz Bank$1.2017
239InstaPay$0.8111
240National Bank of Egypt (NBE)$0.8111
241DSK Bank$0.9418
242Bank BRI$1.1011
243Carbon microfinance bank$1.20125
Trade on BybitLast sync 35m ago

About Bybit USDT/USD P2P trading

Bybit's USDT/USD market is the live peer-to-peer book for United States-based users buying and selling Tether directly via local rails. The current cheapest BUY is $0.80 and the highest SELL is $1.20, a 50.00% spread across 4.3K active ads. USDT/USD typically trades ~0.5% over the official forex rate — USDT trades close to its $1 peg in USD markets — the only friction is exchange spreads and short-term peg deviations..

Across this market, 243 payment rails are currently quoted. Bank Transfer, Wise, Revolut carry the most ad volume; the table above ranks every active rail by total 24h activity. Deepest RUB liquidity post-sanctions; consistently aggressive pricing on majors due to high merchant competition.

Regulator in United States: FinCEN regulates crypto money services businesses (MSB registration). State-level requirements vary — NYDFS BitLicense, California DFPI, etc.. Tax: Crypto-to-fiat trades are capital-gains events under IRS Notice 2014-21. To trade, open Bybit P2P, filter by your preferred rail, and pick a merchant with completion rate ≥98% and order count ≥1,000. Don't include "crypto" or "USDT" in payment notes.

US Dollar P2P context

Typical USDT/USD premium: ~0.5%. USDT trades close to its $1 peg in USD markets — the only friction is exchange spreads and short-term peg deviations.

Tax in the United States: Crypto-to-fiat trades are capital-gains events under IRS Notice 2014-21. Short-term (≤1 year) at ordinary rates; long-term at 0/15/20%. Form 8949 + Schedule D.

Regulator: FinCEN regulates crypto money services businesses (MSB registration). State-level requirements vary — NYDFS BitLicense, California DFPI, etc.

What Bybit brings to the USD market

Deepest RUB liquidity post-sanctions; consistently aggressive pricing on majors due to high merchant competition. 0% maker + taker fees in most markets. Strong UPI/IMPS coverage for INR.

Fees + KYC: 0% trading fees for both makers and takers across most P2P markets. KYC required above small daily limits (typically $1k/day unverified). FIU-IND registered in India.

Frequently asked questions

What is the live Bybit P2P USDT/USD rate?+

As of the most recent Bybit sync, the cheapest BUY price is $0.80 and the highest SELL price is $1.20 across 243 active payment methods. The full per-payment-method breakdown is in the table above.

What payment methods does Bybit support for USD?+

Bybit currently supports 243 active payment methods for USDT/USD: Bank Transfer, Wise, Revolut, Balance, Skrill, Zelle, plus 237 more. Different rails have slightly different prices because they carry different settlement risk and time costs.

Is USDT/USD P2P trading legal in the US?+

Yes. Crypto trading is legal federally; FinCEN regulates money services businesses. Centralised exchanges (Coinbase, Kraken) and most P2P platforms register accordingly. Some states impose additional licensing — NYDFS BitLicense being the most prominent.

How are USDT trades taxed in the US?+

Each USDT trade is a property-transfer event under IRS Notice 2014-21. Short-term capital gains (≤1 year hold) tax at ordinary income rates; long-term (>1 year) at 0%, 15%, or 20% depending on income. Report on Form 8949 + Schedule D.

Why is Bybit P2P so popular for USDT/RUB?+

When Binance and OKX restricted Russian users following EU sanctions in 2022-23, Bybit kept full RUB P2P access. The result: Russian merchants migrated en masse, Russian retail volume followed, and Bybit became the deepest USDT/RUB book by 2024.

How are Bybit P2P spreads typically priced?+

Bybit merchants tend to undercut Binance by 0.1-0.4% on overlapping markets — they're competing for the marginal trader who price-shops across platforms. The cheapest USDT BUY price in our cross-exchange comparison is often a Bybit ad.

How does OpenRate get this Bybit USD data?+

For Bybit we crawl their public P2P API every 60 seconds and write merchant-level ad data to our Postgres. The aggregate per-payment-method numbers above are reconciled against p2p.army's TOP1 snapshot every 30 minutes.