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Bank Transfer P2P · Live USDT Rates

Generic bank transfer is the universal P2P fallback — slower than instant rails but available everywhere. Spreads on bank transfer are usually marginally better than instant alternatives because settlement risk is lower for the merchant.

Total ads · 24h

12.8K

across 7 exchanges

Buy ads

3.4K

merchants buying USDT

Sell ads

9.4K

merchants selling USDT

Fiat markets

top: RUB, NGN, UAH

Bank TransferP2P · per-exchange & fiat

#	Exchange	Market	Best Buy	Best Sell	Buy ads	Sell ads	Total ads
1	Bybit	🇷🇺USDT/RUB	₽74.20	₽88.59	575	1.8K	2.4K
2	Bybit	🇳🇬USDT/NGN	1,375.00	1,494.00	254	1.1K	1.4K
3	Okx	🇻🇳USDT/VND	₫26,350.00	₫26,353.00	185	191	376
4	Bybit	🇺🇸USDT/USD	$0.80	$1.20	38	269	307
5	Bitget	🇳🇬USDT/NGN	1,381.00	1,378.00	96	176	272
6	Bybit	🇿🇦USDT/ZAR	14.99	16.70	78	193	271
7	Bingx	🇺🇦USDT/UAH	₴45.50	₴44.83	49	205	254
8	Bybit	🇺🇦USDT/UAH	₴44.70	₴53.22	77	143	220
9	Okx	🇵🇰USDT/PKR	₨286.88	₨286.60	63	149	212
10	Okx	🇸🇦USDT/SAR	3.88	3.85	76	133	209
11	Bybit	🇮🇩USDT/IDR	Rp18,000.00	Rp18,002.00	66	115	181
12	Okx	🇹🇷USDT/TRY	₺48.10	₺46.55	67	107	174
13	Okx	🇵🇭USDT/PHP	₱61.49	₱61.47	72	96	168
14	Bitget	🇵🇰USDT/PKR	₨281.95	₨287.50	66	101	167
15	Okx	🇮🇩USDT/IDR	Rp18,005.00	Rp17,992.00	65	96	161
16	Mexc	🇳🇬USDT/NGN	1,240.00	1,365.00	50	106	156
17	Okx	🇿🇦USDT/ZAR	17.09	16.36	47	94	141
18	Bitget	🇮🇩USDT/IDR	Rp17,900.00	Rp17,986.00	57	73	130
19	Htx	🇲🇾USDT/MYR	RM4.03	RM4.02	51	76	127
20	Bitget	🇪🇺USDT/EUR	€0.83	€0.96	34	92	126
21	Bitget	🇻🇳USDT/VND	₫25,999.00	₫26,356.00	39	81	120
22	Okx	🇨🇳USDT/CNY	¥6.84	¥6.81	13	104	117
23	Okx	🇪🇺USDT/EUR	€0.86	€0.87	44	72	116
24	Mexc	🇪🇺USDT/EUR	€0.88	€0.93	14	101	115
25	Bitget	🇦🇪USDT/AED	د.إ3.70	د.إ3.91	27	87	114
26	Mexc	🇵🇰USDT/PKR	₨283.00	₨254.84	45	67	112
27	Okx	🇦🇷USDT/ARS	$1,508.00	$1,494.00	17	94	111
28	Bybit	🇵🇭USDT/PHP	₱61.49	₱61.45	42	61	103
29	Okx	🇪🇬USDT/EGP	52.78	52.70	21	79	100
30	Okx	🇬🇧USDT/GBP	£0.77	£0.75	20	79	99
31	Kucoin	🇪🇺USDT/EUR	€0.87	€0.87	13	84	97
32	Kucoin	🇷🇺USDT/RUB	₽80.80	₽79.00	19	77	96
33	Mexc	🇲🇾USDT/MYR	RM3.79	RM3.97	36	59	95
34	Bybit	🇰🇿USDT/KZT	519.00	559.67	10	85	95
35	Bybit	🇮🇳USDT/INR	₹105.00	₹103.15	22	70	92
36	Bingx	🇦🇷USDT/ARS	$1,514.00	$1,498.00	26	64	90
37	Bitget	🇺🇦USDT/UAH	₴27.00	₴44.65	16	74	90
38	Htx	🇨🇳USDT/CNY	¥6.79	¥6.79	27	63	90
39	Bingx	🇪🇺USDT/EUR	€1.04	€0.84	10	75	85
40	Mexc	🇦🇪USDT/AED	د.إ3.73	د.إ3.66	15	68	83
41	Bybit	🇪🇬USDT/EGP	52.82	67.36	17	66	83
42	Htx	🇷🇺USDT/RUB	₽76.20	₽91.80	24	50	74
43	Bitget	🇹🇷USDT/TRY	₺49.00	₺46.34	15	59	74
44	Okx	USDT/MXN	17.38	17.29	17	57	74
45	Bingx	🇮🇳USDT/INR	₹91.00	₹101.91	70	3	73
46	Mexc	🇬🇧USDT/GBP	£0.83	£0.88	4	67	71
47	Okx	🇺🇦USDT/UAH	₴45.29	₴44.93	27	42	69
48	Bybit	USDT/MXN	17.40	17.21	18	50	68
49	Mexc	🇮🇩USDT/IDR	Rp18,030.00	Rp17,975.00	24	43	67
50	Bybit	🇯🇵USDT/JPY	¥171.00	¥180.01	8	58	66
51	Bitget	🇷🇺USDT/RUB	₽76.41	₽83.20	16	49	65
52	Bingx	🇦🇪USDT/AED	—	د.إ3.63	1	61	62
53	Htx	🇵🇰USDT/PKR	₨286.40	₨300.00	15	44	59
54	Htx	🇺🇸USDT/USD	$1.03	$1.20	7	51	58
55	Htx	🇪🇺USDT/EUR	€0.88	€1.03	12	45	57
56	Kucoin	🇦🇪USDT/AED	د.إ3.78	د.إ3.66	4	52	56
57	Kucoin	🇲🇾USDT/MYR	RM4.07	RM4.00	11	44	55
58	Okx	USDT/PEN	3.44	3.42	18	37	55
59	Kucoin	🇵🇰USDT/PKR	₨287.70	₨285.21	17	37	54
60	Kucoin	🇺🇦USDT/UAH	₴45.84	₴43.05	13	39	52
61	Okx	🇧🇷USDT/BRL	R$7.59	R$4.98	2	48	50
62	Htx	🇦🇪USDT/AED	د.إ3.72	د.إ4.40	2	47	49
63	Htx	🇻🇳USDT/VND	₫26,448.00	₫26,315.00	18	29	47
64	Mexc	🇿🇦USDT/ZAR	—	16.30	—	47	47
65	Htx	🇹🇭USDT/THB	฿33.15	฿32.59	17	29	46
66	Bybit	🇭🇰USDT/HKD	6.26	8.61	4	42	46
67	Bitget	🇯🇵USDT/JPY	¥163.00	¥161.00	9	36	45
68	Bingx	🇻🇳USDT/VND	₫26,668.00	₫26,325.00	39	6	45
69	Okx	🇮🇳USDT/INR	₹123.42	₹99.00	2	41	43
70	Bingx	USDT/COP	—	3,514.00	7	35	42
71	Bitget	🇦🇷USDT/ARS	$1,512.00	$1,494.00	13	29	42
72	Bingx	🇯🇵USDT/JPY	¥182.00	¥127.73	2	40	42
73	Bitget	🇺🇸USDT/USD	$0.95	$1.17	12	29	41
74	Okx	USDT/COP	—	3,486.00	1	39	40
75	Bingx	🇺🇸USDT/USD	$1.00	$0.97	36	4	40
76	Kucoin	🇺🇸USDT/USD	$1.10	$1.01	1	39	40
77	Bingx	🇵🇰USDT/PKR	₨289.80	₨224.35	9	30	39
78	Bitget	🇬🇧USDT/GBP	£0.77	£0.76	8	31	39
79	Okx	🇯🇵USDT/JPY	¥168.50	¥158.50	6	33	39
80	Mexc	🇪🇬USDT/EGP	50.85	51.55	9	29	38
81	Bingx	🇷🇺USDT/RUB	₽79.80	₽77.20	8	29	37
82	Kucoin	🇬🇧USDT/GBP	£0.86	£0.73	3	33	36
83	Bitget	🇵🇭USDT/PHP	₱61.70	₱61.45	22	14	36
84	Bitget	USDT/MXN	17.45	17.30	15	17	32
85	Htx	🇭🇰USDT/HKD	7.89	7.94	10	22	32
86	Htx	🇹🇷USDT/TRY	₺47.50	₺55.16	2	30	32
87	Bingx	USDT/MXN	17.40	17.23	8	23	31
88	Htx	🇵🇭USDT/PHP	₱62.23	₱73.95	5	26	31
89	Bybit	USDT/COP	3,559.00	3,510.00	4	26	30
90	Htx	🇳🇬USDT/NGN	1,440.00	1,376.00	1	29	30
91	Bybit	USDT/PEN	3.44	3.41	4	26	30
92	Okx	🇺🇿USDT/UZS	13,000.00	11,847.00	4	26	30
93	Mexc	🇺🇸USDT/USD	$1.03	$1.24	2	27	29
94	Kucoin	🇵🇭USDT/PHP	₱62.40	₱60.01	8	20	28
95	Bingx	🇸🇦USDT/SAR	4.30	3.50	1	27	28
96	Bybit	🇦🇪USDT/AED	د.إ3.71	د.إ3.67	8	19	27
97	Bybit	🇧🇷USDT/BRL	R$5.11	R$5.04	2	24	26
98	Okx	🇰🇿USDT/KZT	524.00	506.10	4	21	25
99	Htx	🇺🇿USDT/UZS	12,935.00	14,790.00	8	17	25
100	Bingx	🇺🇿USDT/UZS	14,899.00	11,802.00	1	23	24
101	Okx	🇺🇸USDT/USD	$1.02	$1.01	8	15	23
102	Bingx	🇳🇬USDT/NGN	1,382.00	1,370.00	15	7	22
103	Htx	🇸🇦USDT/SAR	—	3.81	1	21	22
104	Htx	🇮🇩USDT/IDR	Rp18,120.00	Rp17,924.00	4	18	22
105	Bingx	🇹🇷USDT/TRY	₺49.40	₺32.73	20	1	21
106	Bitget	🇿🇦USDT/ZAR	23.00	16.70	3	18	21
107	Kucoin	🇹🇷USDT/TRY	₺52.94	₺45.30	2	18	20
108	Mexc	🇺🇿USDT/UZS	1.00	12,300.00	5	15	20
109	Htx	🇰🇿USDT/KZT	553.50	569.90	2	18	20
110	Bitget	🇰🇿USDT/KZT	518.90	511.00	3	16	19
111	Kucoin	🇮🇳USDT/INR	₹114.70	₹101.00	5	14	19
112	Kucoin	🇰🇷USDT/KRW	1,579.00	1,525.00	6	12	18
113	Kucoin	🇰🇿USDT/KZT	570.00	480.10	1	16	17
114	Htx	🇮🇳USDT/INR	₹129.89	₹136.00	1	15	16
115	Kucoin	🇮🇩USDT/IDR	Rp18,099.00	Rp17,931.00	4	12	16
116	Bingx	USDT/PEN	—	3.34	5	9	14
117	Kucoin	🇸🇦USDT/SAR	4.00	3.74	1	13	14
118	Bingx	🇮🇩USDT/IDR	Rp18,170.00	Rp13,282.00	12	1	13
119	Kucoin	🇻🇳USDT/VND	₫34,198.00	₫26,050.00	1	12	13
120	Bingx	🇧🇷USDT/BRL	—	R$4.90	6	7	13
121	Mexc	USDT/MXN	17.50	17.00	5	7	12
122	Bingx	🇰🇿USDT/KZT	—	455.00	8	4	12
123	Bitget	🇮🇳USDT/INR	—	₹102.20	—	12	12
124	Bitget	USDT/COP	3,590.00	3,538.00	4	7	11
125	Kucoin	🇿🇦USDT/ZAR	—	13.00	—	10	10
126	Kucoin	🇧🇷USDT/BRL	—	R$4.90	—	9	9
127	Htx	USDT/COP	—	3,450.00	1	8	9
128	Bingx	🇬🇧USDT/GBP	£0.93	£0.71	2	7	9
129	Htx	USDT/MXN	17.55	22.55	2	6	8
130	Bingx	🇪🇬USDT/EGP	52.99	51.70	7	1	8
131	Bingx	🇹🇭USDT/THB	฿36.70	฿31.00	5	3	8
132	Kucoin	USDT/MXN	18.40	12.08	3	4	7
133	Bitget	🇧🇷USDT/BRL	—	R$5.38	—	7	7
134	Htx	USDT/TWD	—	37.70	1	5	6
135	Bybit	🇵🇰USDT/PKR	₨291.80	₨284.27	2	4	6
136	Htx	🇧🇷USDT/BRL	—	R$6.06	1	5	6
137	Bybit	🇸🇦USDT/SAR	3.92	3.73	2	3	5
138	Htx	🇦🇷USDT/ARS	—	$1,122.00	1	3	4
139	Htx	🇿🇦USDT/ZAR	—	15.00	1	3	4
140	Bingx	🇵🇭USDT/PHP	₱79.85	₱60.47	1	3	4
141	Htx	🇺🇦USDT/UAH	₴57.00	₴41.01	1	2	3
142	Mexc	🇸🇦USDT/SAR	4.05	3.60	1	2	3
143	Kucoin	🇦🇷USDT/ARS	—	$1,493.00	1	2	3
144	Bybit	🇹🇷USDT/TRY	—	₺44.92	1	2	3
145	Bybit	🇦🇷USDT/ARS	$1,522.00	—	2	1	3
146	Bybit	🇻🇳USDT/VND	₫26,975.00	—	1	1	2
147	Kucoin	USDT/COP	3,593.00	—	1	1	2
148	Htx	🇬🇧USDT/GBP	—	£0.67	1	1	2
149	Bingx	🇿🇦USDT/ZAR	—	14.26	—	2	2
150	Bybit	🇪🇺USDT/EUR	—	€0.83	1	1	2
151	Bybit	🇬🇧USDT/GBP	—	£0.75	1	1	2
152	Mexc	USDT/COP	—	3,490.00	—	1	1
153	Mexc	🇧🇷USDT/BRL	—	R$4.05	—	1	1
Σ	Total · 153 (exchange, fiat) combos		—	—	3.4K	9.4K	12.8K

About Bank Transfer on P2P

P2P trading via Bank Transferworks like every other rail: the exchange escrows the seller's USDT, the buyer sends fiat through Bank Transfer off-platform, and once the seller confirms receipt the crypto releases. Counterparty risk lives on the Bank Transferside — chargebacks, account holds and KYC mismatches are the failure modes. Always check the merchant's completion rate (>98%) and order count (>1000) before committing.

On OpenRate we currently track 12,782 Bank Transfer P2P ads across 7 exchanges and 30 fiat markets. The deepest liquidity is in RUB, NGN, UAH — sort the table above by total ads to see which (exchange, fiat) combo has the most active merchants right now.

Frequently asked questions

How do I buy USDT with Bank Transfer?+

Open a P2P market on any exchange (Binance, Bybit, OKX), filter the payment-method dropdown to Bank Transfer, pick a buy ad with a high-completion-rate merchant, and start the order. The exchange escrows the seller's USDT; you send fiat via Bank Transfer off-platform; the seller confirms receipt and the USDT releases. Typical settlement is 5–15 minutes.

Which P2P exchange has the best Bank Transfer rates?+

Across the 7 exchanges where Bank Transfer is currently active, Bingx, Bitget, Bybit, Htx, Kucoin, Mexc, Okx carry the most Bank Transfer ads. Rates differ by 0.1–0.5% between venues; this page shows the live prices side-by-side so you can pick the tightest spread.

Is paying with Bank Transfer on P2P safe?+

Yes — the platform escrows crypto until both sides confirm fiat settlement. Counterparty risk is on the Bank Transfer payment rail (chargebacks, account holds), not on the exchange. Always verify the merchant's completion rate (>98%) and order count (>1000) before committing capital.

Why are Bank Transfer P2P spreads tighter than other rails?+

What fiats can I use with Bank Transfer?+

Bank Transfer is currently active across 30 fiat markets on the exchanges we track, with the deepest liquidity in RUB, NGN, UAH. The full per-(exchange, fiat) breakdown is in the table above.

Other P2P payment methods