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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
19.6K
across 6 exchanges
Buy ads
8.9K
merchants buying USDT
Sell ads
10.7K
merchants selling USDT
Fiat markets
101
top: SAR, AMD, UAH

Bank TransferP2P · per-exchange & fiat

#ExchangeMarketBest BuyBest SellBuy adsSell adsTotal ads
1OkxUSDT/AMD358.00357.106370133
2KucoinUSDT/AMD444.00341.006370133
3BybitUSDT/AMD358.50360.006370133
4BinanceUSDT/AMD354.00353.806370133
5BitgetUSDT/AMD398.37—6370133
6BybitUSDT/BYN3.043.524286128
7BinanceUSDT/BYN3.103.004286128
8KucoinUSDT/BYN—2.904286128
9OkxUSDT/BYN3.163.084286128
10OkxUSDT/MNT—3,540.993782119
11BybitUSDT/MNT3,850.004,299.003782119
12BinanceUSDT/MNT3,725.983,693.103782119
13BybitUSDT/KGS88.4490.004867115
14BinanceUSDT/KGS88.4988.114867115
15OkxUSDT/KGS—88.704867115
16BitgetUSDT/KGS—87.754867115
17KucoinUSDT/KGS90.0085.004867115
18Kucoin🇸🇦USDT/SAR﷼3.95﷼3.746646112
19Bitget🇸🇦USDT/SAR﷼3.87—6646112
20Bybit🇸🇦USDT/SAR﷼3.93﷼4.206646112
21Binance🇸🇦USDT/SAR﷼3.81﷼3.866646112
22Okx🇸🇦USDT/SAR﷼3.90—6646112
23Htx🇸🇦USDT/SAR—﷼3.726646112
24Bitget🇺🇦USDT/UAH₴46.95—633699
25Kucoin🇺🇦USDT/UAH₴47.87₴43.92633699
26Htx🇺🇦USDT/UAH₴46.88₴48.65633699
27Kucoin🇮🇩USDT/IDRRp18,348.00Rp17,950.00435699
28Okx🇮🇩USDT/IDRRp18,139.00Rp18,088.00435699
29Htx🇮🇩USDT/IDRRp18,235.00Rp21,400.00435699
30Bybit🇺🇦USDT/UAH₴46.14₴49.00633699
31Okx🇺🇦USDT/UAH—₴47.00633699
32Binance🇮🇩USDT/IDRRp18,100.00Rp18,074.00435699
33Binance🇺🇦USDT/UAH₴46.00₴50.00633699
34Bybit🇮🇩USDT/IDRRp18,115.00Rp18,080.00435699
35Bitget🇮🇩USDT/IDR—Rp18,100.00435699
36BybitUSDT/GEL2.573.00435396
37KucoinUSDT/GEL3.002.50435396
38BitgetUSDT/GEL—2.57435396
39HtxUSDT/GEL2.602.67435396
40BinanceUSDT/GEL2.582.57435396
41OkxUSDT/GEL—2.58435396
42KucoinUSDT/CZK—17.30435093
43BitgetUSDT/CZK—23.00435093
44OkxUSDT/CZK22.7521.00435093
45Kucoin🇵🇭USDT/PHP₱64.00₱63.30385593
46BinanceUSDT/CZK21.8021.35435093
47Htx🇵🇭USDT/PHP₱63.99₱63.67385593
48HtxUSDT/CZK23.8520.05435093
49Bybit🇵🇭USDT/PHP₱63.50₱63.40385593
50Binance🇵🇭USDT/PHP₱63.59₱63.30385593
51BybitUSDT/CZK22.1526.18435093
52Okx🇵🇭USDT/PHP₱63.51₱63.77385593
53Bitget🇵🇭USDT/PHP—₱63.47385593
54HtxUSDT/CAD1.501.66523991
55BinanceUSDT/CAD1.411.40523991
56OkxUSDT/CAD1.411.51523991
57BybitUSDT/CAD1.141.56523991
58BitgetUSDT/CAD—1.41523991
59KucoinUSDT/CAD1.421.39523991
60BinanceUSDT/QAR3.753.72454388
61OkxUSDT/QAR3.853.72454388
62Okx🇿🇦USDT/ZARR18.21R17.02266288
63Bitget🇿🇦USDT/ZAR—R16.10266288
64KucoinUSDT/QAR—3.15454388
65Binance🇿🇦USDT/ZARR17.13R18.00266288
66HtxUSDT/QAR—3.55454388
67Htx🇿🇦USDT/ZAR—R15.80266288
68Bybit🇿🇦USDT/ZARR17.15R16.90266288
69BitgetUSDT/QAR—3.80454388
70Kucoin🇿🇦USDT/ZAR—R13.69266288
71BybitUSDT/MDL18.3021.48394786
72BitgetUSDT/MDL18.98—394786
73KucoinUSDT/MDL—16.00394786
74OkxUSDT/MDL18.6517.25394786
75BinanceUSDT/MDL18.0018.25394786
76Bitget🇰🇿USDT/KZT₸494.00—473885
77Bybit🇰🇿USDT/KZT₸450.00₸486.00473885
78Kucoin🇰🇿USDT/KZT₸530.00₸443.00473885
79Okx🇰🇿USDT/KZT₸465.55₸498.92473885
80Htx🇰🇿USDT/KZT₸466.60₸515.00473885
81Binance🇰🇿USDT/KZT₸449.00₸460.05473885
82Bybit🇬🇧USDT/GBP£0.76£0.90325284
83Binance🇬🇧USDT/GBP£0.75£0.81325284
84Htx🇬🇧USDT/GBP£0.80£0.89325284
85Okx🇬🇧USDT/GBP£0.77£0.89325284
86Bitget🇬🇧USDT/GBP£0.79—325284
87Kucoin🇬🇧USDT/GBP£0.79£0.75325284
88Bybit🇦🇪USDT/AEDد.إ3.68د.إ4.00453883
89Kucoin🇦🇪USDT/AEDد.إ3.78د.إ3.67453883
90Binance🇦🇪USDT/AEDد.إ3.66د.إ3.66453883
91Bitget🇦🇪USDT/AEDد.إ2.32—453883
92Htx🇦🇪USDT/AEDد.إ3.71د.إ3.90453883
93BybitUSDT/RSD104.98100.73265581
94OkxUSDT/RSD117.9899.20265581
95BinanceUSDT/RSD101.89103.43265581
96BitgetUSDT/RSD191.25—265581
97KucoinUSDT/MAD11.499.81384179
98BybitUSDT/MAD9.9111.00384179
99OkxUSDT/MAD—10.50384179
100BinanceUSDT/MAD10.5410.50384179
101BitgetUSDT/MAD10.85—384179
102HtxUSDT/MAD—9.80384179
103BitgetUSDT/OMR—0.39383977
104BinanceUSDT/OMR0.390.39383977
105OkxUSDT/OMR0.390.39383977
106Binance🇹🇷USDT/TRY₺51.24₺59.90343973
107Bitget🇹🇷USDT/TRY₺53.00—343973
108Kucoin🇹🇷USDT/TRY₺57.09₺49.00343973
109Okx🇹🇷USDT/TRY₺51.85—343973
110Htx🇹🇷USDT/TRY₺55.50₺59.73343973
111Bybit🇹🇷USDT/TRY₺51.10₺53.00343973
112BinanceUSDT/AOA1,190.001,178.24264470
113KucoinUSDT/AOA—1,060.00264470
114BybitUSDT/AOA1,000.001,182.02264470
115OkxUSDT/AOA1,232.001,176.00264470
116Okx🇻🇳USDT/VND—₫26,616.00284068
117Binance🇻🇳USDT/VND₫25,987.00₫26,080.00284068
118Bitget🇻🇳USDT/VND—₫26,001.00284068
119Bybit🇻🇳USDT/VND₫26,165.00₫26,115.00284068
120Htx🇻🇳USDT/VND₫26,299.00₫25,951.00284068
121Kucoin🇻🇳USDT/VND₫26,380.00₫26,006.00284068
122BitgetUSDT/KWD—0.31333467
123KucoinUSDT/KWD0.320.31333467
124BinanceUSDT/KWD0.310.41333467
125OkxUSDT/KWD0.310.31333467
126BybitUSDT/KWD0.320.32333467
127Bybit🇵🇰USDT/PKR₨285.50₨285.20293665
128Bitget🇵🇰USDT/PKR—₨283.76293665
129Binance🇵🇰USDT/PKR₨281.65₨298.00293665
130Kucoin🇵🇰USDT/PKR₨287.00₨283.50293665
131Okx🇵🇰USDT/PKR₨285.70₨284.30293665
132OkxUSDT/SDG—3,691.41362662
133BinanceUSDT/SDG10,130.0010,161.01362662
134HtxUSDT/RON4.994.60233760
135BybitUSDT/RON4.005.73233760
136KucoinUSDT/RON—4.66233760
137BinanceUSDT/RON4.094.69233760
138BitgetUSDT/RON4.13—233760
139OkxUSDT/RON4.79—233760
140BinanceUSDT/TJS9.309.29283058
141HtxUSDT/TJS9.709.99283058
142BinanceUSDT/LYD9.0010.15253358
143OkxUSDT/TJS9.369.26283058
144BybitUSDT/TJS9.3110.00283058
145BitgetUSDT/TJS9.65—283058
146KucoinUSDT/TJS10.148.63283058
147BitgetUSDT/PLN4.18—273057
148Binance🇱🇰USDT/LKRRs338.60Rs340.00243357
149BybitUSDT/PLN3.914.72273057
150OkxUSDT/PLN3.943.92273057
151KucoinUSDT/PLN4.683.84273057
152Bitget🇱🇰USDT/LKRRs348.00—243357
153Kucoin🇱🇰USDT/LKR—Rs330.00243357
154Bybit🇱🇰USDT/LKRRs340.00Rs337.50243357
155HtxUSDT/PLN4.244.30273057
156BinanceUSDT/PLN3.903.88273057
157Okx🇱🇰USDT/LKRRs346.00Rs336.02243357
158OkxUSDT/AZN1.74—322456
159BinanceUSDT/AZN1.681.67322456
160BitgetUSDT/AZN1.72—322456
161HtxUSDT/AZN1.901.68322456
162BybitUSDT/AZN1.701.69322456
163BinanceUSDT/GMD76.7085.12203353
164OkxUSDT/KES—KSh190.20163551
165BinanceUSDT/KESKSh129.50KSh134.70163551
166HtxUSDT/KESKSh131.50KSh128.77163551
167KucoinUSDT/KESKSh131.88KSh110.17163551
168BybitUSDT/KESKSh128.40KSh129.37163551
169BitgetUSDT/KESKSh130.50—163551
170BitgetUSDT/CHF0.91—212950
171BinanceUSDT/CHF0.840.80212950
172OkxUSDT/MXN$18.91—222850
173HtxUSDT/MXN$19.70$24.15222850
174BybitUSDT/MXN$18.77$18.80222850
175BitgetUSDT/MXN$19.59—222850
176BinanceUSDT/MXN$18.85$19.40222850
177HtxUSDT/CHF0.880.78212950
178OkxUSDT/CHF0.840.84212950
179KucoinUSDT/MXN$19.13$17.20222850
180Bybit🇦🇷USDT/ARS$1,648.89$1,644.00212748
181Kucoin🇦🇷USDT/ARS$1,653.00$1,635.00212748
182Htx🇦🇷USDT/ARS$1,720.00$1,300.00212748
183Okx🇦🇷USDT/ARS$1,649.95$1,638.93212748
184Bitget🇦🇷USDT/ARS$1,655.00—212748
185Binance🇦🇷USDT/ARS$1,637.50$1,637.00212748
186HtxUSDT/AUD1.701.72163046
187OkxUSDT/AUD1.471.62163046
188BitgetUSDT/AUD—1.78163046
189BybitUSDT/AUD1.451.70163046
190KucoinUSDT/AUD1.841.29163046
191BinanceUSDT/AUD1.481.45163046
192Kucoin🇺🇸USDT/USD$1.00$1.30291544
193Bitget🇺🇸USDT/USD—$1.18291544
194Bybit🇺🇸USDT/USD$0.80$1.20291544
195Htx🇺🇸USDT/USD$1.00$1.20291544
196Binance🇺🇸USDT/USD$1.00$1.10291544
197Okx🇺🇸USDT/USD$1.00$1.35291544
198Binance🇮🇳USDT/INR₹101.00₹103.90202343
199Bybit🇮🇳USDT/INR₹90.99₹109.19202343
200Bybit🇪🇺USDT/EUR€0.84€1.08251843
201Binance🇪🇺USDT/EUR€0.89€0.94251843
202Kucoin🇪🇺USDT/EUR€0.92€0.89251843
203Kucoin🇮🇳USDT/INR₹109.00₹102.83202343
204Okx🇪🇺USDT/EUR€0.89€0.99251843
205Bitget🇪🇺USDT/EUR€0.68—251843
206Htx🇮🇳USDT/INR₹103.50₹115.00202343
207Htx🇪🇺USDT/EUR€0.93€1.06251843
208Okx🇮🇳USDT/INR₹124.33₹100.61202343
209Bitget🇮🇳USDT/INR—₹107.50202343
210BitgetUSDT/PENS/3.49—212142
211KucoinUSDT/PENS/3.99S/3.41212142
212BybitUSDT/PENS/3.35S/3.50212142
213BinanceUSDT/CRC452.80449.00212142
214OkxUSDT/CRC—450.00212142
215BinanceUSDT/PENS/3.50S/3.51212142
216OkxUSDT/PENS/3.53S/3.50212142
217KucoinUSDT/MRU45.0041.20192039
218BitgetUSDT/MRU—42.00192039
219BinanceUSDT/MRU44.8544.63192039
220Bitget🇯🇵USDT/JPY¥165.50—172138
221OkxUSDT/KHR4,133.004,033.33182038
222BinanceUSDT/KHR4,090.004,092.00182038
223Bybit🇯🇵USDT/JPY¥130.00¥181.00172138
224Okx🇯🇵USDT/JPY—¥162.00172138
225Binance🇯🇵USDT/JPY¥166.00¥155.00172138
226BybitUSDT/KHR4,105.004,090.00182038
227Kucoin🇯🇵USDT/JPY—¥140.00172138
228HtxUSDT/KHR4,500.003,978.00182038
229BitgetUSDT/KHR—4,030.00182038
230OkxUSDT/PYG8,744.275,700.00181937
231BitgetUSDT/PYG—5,650.00181937
232BinanceUSDT/PYG5,775.985,760.00181937
233BybitUSDT/PYG4,992.005,719.00181937
234OkxUSDT/TZS—2,689.99201636
235BinanceUSDT/TZS2,629.002,654.99201636
236BitgetUSDT/TZS—2,615.17201636
237KucoinUSDT/TZS2,750.002,610.50201636
238Kucoin🇳🇵USDT/NPR₨181.00₨120.00171835
239Bitget🇳🇵USDT/NPR—₨163.00171835
240Htx🇭🇰USDT/HKDHK$7.94HK$7.85161935
241Binance🇳🇵USDT/NPR₨168.29₨172.00171835
242Bybit🇳🇵USDT/NPR₨178.10₨172.00171835
243Okx🇳🇵USDT/NPR—₨160.71171835
244Bybit🇭🇰USDT/HKDHK$6.80HK$8.00161935
245Binance🇭🇰USDT/HKDHK$7.89HK$7.91161935
246Binance🇨🇳USDT/CNY¥6.56¥6.61161834
247Bitget🇨🇳USDT/CNY—¥6.57161834
248Okx🇨🇳USDT/CNY¥6.61—161834
249OkxUSDT/UYU44.7041.00171532
250HtxUSDT/CLP—935.00181432
251BitgetUSDT/UYU—40.67171532
252KucoinUSDT/CLP—945.00181432
253BybitUSDT/CLP900.001,001.50181432
254BitgetUSDT/CLP—990.53181432
255BinanceUSDT/UYU41.7040.66171532
256OkxUSDT/CLP1,018.96996.48181432
257HtxUSDT/UYU—48.10171532
258BinanceUSDT/CLP997.98999.50181432
259BybitUSDT/UYU43.0040.85171532
260BybitUSDT/RWF1,765.451,460.0262531
261OkxUSDT/RWF1,498.28—62531
262BinanceUSDT/YER546.501,600.0062531
263BinanceUSDT/RWF1,481.001,486.0062531
264BybitUSDT/YER546.00544.0062531
265BitgetUSDT/BND1.43—151429
266BinanceUSDT/BND1.311.52151429
267BinanceUSDT/BOB11.9912.09161329
268KucoinUSDT/BOB—11.90161329
269BybitUSDT/BOB11.9911.99161329
270BitgetUSDT/BOB12.02—161329
271OkxUSDT/BOB12.1812.04161329
272OkxUSDT/BND1.651.47151429
273BinanceUSDT/LAK22,730.0022,570.0091726
274OkxUSDT/LAK23,000.0022,600.0091726
275BitgetUSDT/LAK—21,111.0091726
276KucoinUSDT/LAK—22,000.0091726
277BinanceUSDT/JOD0.710.71121325
278BybitUSDT/JOD0.710.72121325
279KucoinUSDT/JOD0.730.62121325
280OkxUSDT/JOD0.71—121325
281BitgetUSDT/JOD—0.71121325
282BitgetUSDT/HUF363.30——2424
283BybitUSDT/HUF299.00393.33—2424
284BinanceUSDT/HUF393.49309.22—2424
285BitgetUSDT/BHD—0.3851924
286OkxUSDT/BHD0.390.3851924
287KucoinUSDT/HUF380.00316.69—2424
288OkxUSDT/HUF331.00317.22—2424
289HtxUSDT/HUF359.90314.85—2424
290BinanceUSDT/BHD0.380.3851924
291BinanceUSDT/BIF6,094.856,172.69101323
292BybitUSDT/PAB1.050.9912921
293BinanceUSDT/PAB1.001.0112921
294OkxUSDT/PAB—1.0012921
295BitgetUSDT/PAB—0.9912921
296KucoinUSDT/MWK—1,330.00—2020
297OkxUSDT/MOP8.248.0513720
298BinanceUSDT/MWK—7,833.75—2020
299BinanceUSDT/MOP8.218.1113720
300OkxUSDT/GTQ11.007.6110919
301BybitUSDT/GTQ6.407.6010919
302BinanceUSDT/BWP14.9514.6113619
303OkxUSDT/BWP—14.4213619
304BinanceUSDT/GTQ8.057.7810919
305HtxUSDT/VES—773.8810818
306OkxUSDT/VES1,004.00991.2110818
307BitgetUSDT/VES—985.0010818
308KucoinUSDT/VES—941.0310818
309BinanceUSDT/VES980.541,000.0010818
310BybitUSDT/VES997.00995.0010818
311BinanceUSDT/ERN12.0018.0031417
312BinanceUSDT/AFN66.4065.9011314
313KucoinUSDT/GNF—9,000.008513
314BinanceUSDT/GNF9,839.0010,100.008513
315BinanceUSDT/LRD179.18300.12—1212
316BybitUSDT/SEK9.9211.774812
317BinanceUSDT/CDF2,334.492,549.2511112
318OkxUSDT/CDF2,750.002,466.1511112
319BybitUSDT/CDF2,400.002,302.0011112
320KucoinUSDT/SEK12.309.564812
321OkxUSDT/SEK—9.324812
322HtxUSDT/SEK10.659.054812
323BinanceUSDT/SEK10.318.764812
324BitgetUSDT/SEK10.43—4812
325OkxUSDT/LRD190.00193.00—1212
326OkxUSDT/NIO—36.003811
327BybitUSDT/DZD257.00256.01—1111
328KucoinUSDT/DZD250.00240.00—1111
329Kucoin🇪🇬USDT/EGPE£58.00E£54.5011—11
330BinanceUSDT/SOS542.91601.264711
331Binance🇪🇬USDT/EGPE£55.20E£56.6211—11
332BinanceUSDT/DZD248.98290.00—1111
333BinanceUSDT/HNL27.2027.107411
334BitgetUSDT/DZD—252.00—1111
335Okx🇪🇬USDT/EGPE£56.10E£56.4611—11
336BinanceUSDT/NIO36.7536.503811
337Bitget🇪🇬USDT/EGPE£56.55—11—11
338OkxUSDT/HNL—26.707411
339OkxUSDT/DZD260.00250.00—1111
340Bybit🇪🇬USDT/EGPE£56.00E£56.5011—11
341BitgetUSDT/NOK—9.801910
342BinanceUSDT/NOK9.649.001910
343HtxUSDT/NOK10.859.351910
344BybitUSDT/NOK7.4811.051910
345BitgetUSDT/UGX4,471.00——1010
346BinanceUSDT/UGX4,142.774,549.49—1010
347OkxUSDT/UGX4,399.004,800.00—1010
348OkxUSDT/NOK9.469.251910
349BybitUSDT/UGX4,100.004,550.50—1010
350BinanceUSDT/TMT—3.79—99
351BitgetUSDT/TMT—3.50—99
352BybitUSDT/DOP62.6461.50448
353BinanceUSDT/DOP60.0862.13448
354HtxUSDT/DOP—57.61448
355OkxUSDT/DOP62.4260.30448
356BitgetUSDT/DOP—60.07448
357OkxUSDT/IQD1,700.001,701.00437
358BinanceUSDT/IQD1,700.001,697.06437
359BinanceUSDT/NZD1.881.66347
360BinanceUSDT/TTD—7.48—77
361BybitUSDT/IQD1,722.901,692.04437
362BybitUSDT/NZD1.842.13347
363HtxUSDT/NZD—1.75347
364KucoinUSDT/IQD1,790.001,612.99437
365KucoinUSDT/NZD—1.74347
366OkxUSDT/NZD1.851.90347
367OkxUSDT/TTD8.258.00—77
368BinanceUSDT/HTG141.00142.68516
369BinanceUSDT/TND3.373.34415
370BinanceUSDT/LBP89,813.0089,550.00—55
371KucoinUSDT/TND—2.85415
372BitgetUSDT/TND—3.20415
373OkxUSDT/LBP89,999.9989,500.00—55
374BybitUSDT/TND3.403.50415
375OkxUSDT/TND3.483.36415
376BybitUSDT/LBP89,950.0089,300.00—55
377Bybit🇧🇩USDT/BDT৳127.50৳135.01134
378Binance🇧🇩USDT/BDT৳127.00৳135.50134
379BinanceUSDT/SYP138.12155.07—44
380Kucoin🇧🇩USDT/BDT৳129.50৳127.10134
381Bitget🇧🇩USDT/BDT৳125.90—134
382BitgetUSDT/SYP—10,550.00—44
383Okx🇧🇩USDT/BDT৳135.00৳128.05134
384BinanceUSDT/CVE114.0094.00123
385OkxUSDT/MZN75.6873.503—3
386BinanceUSDT/MZN73.7374.223—3
387BybitUSDT/COP$3,144.00$3,170.00112
388Bybit🇧🇷USDT/BRLR$5.33R$5.41—22
389BinanceUSDT/ZMW20.1720.59—22
390Kucoin🇧🇷USDT/BRLR$5.62R$5.08—22
391OkxUSDT/COP$3,216.00$3,182.50112
392KucoinUSDT/COP$3,250.00$3,047.25112
393OkxUSDT/ZMW21.4020.24—22
394KucoinUSDT/ZMW—16.00—22
395Okx🇧🇷USDT/BRLR$5.50R$5.33—22
396BinanceUSDT/COP$3,169.99$3,177.00112
397Binance🇧🇷USDT/BRL—R$5.44—22
398OkxUSDT/ALL77.3979.77—22
399BinanceUSDT/ALL—71.83—22
400HtxUSDT/ALL—75.00—22
401Htx🇧🇷USDT/BRLR$5.49R$6.49—22
402BitgetUSDT/COP—$3,112.05112
403Bitget🇧🇷USDT/BRLR$5.52——22
404HtxUSDT/COP—$3,785.00112
405BybitUSDT/XOF602.20620.50—11
406BitgetUSDT/XOF—607.38—11
407BinanceUSDT/SLE24.5024.60—11
408OkxUSDT/SLE23.9024.68—11
409BinanceUSDT/JMD—142.70—11
410OkxUSDT/JMD162.99——11
411BinanceUSDT/MGA4,093.004,511.50—11
412OkxUSDT/XOF602.16640.00—11
413BinanceUSDT/XOF594.60646.58—11
414HtxUSDT/XOF—589.21—11
415KucoinUSDT/XOF—580.00—11
ΣTotal · 415 (exchange, fiat) combos——8.9K10.7K19.6K

About Bank Transfer on P2P

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.

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 19,597 Bank Transfer P2P ads across 6 exchanges and 101 fiat markets. The deepest liquidity is in SAR, AMD, 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 6 exchanges where Bank Transfer is currently active, Binance, Bitget, Bybit, Htx, Kucoin, 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?+

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.

What fiats can I use with Bank Transfer?+

Bank Transfer is currently active across 101 fiat markets on the exchanges we track, with the deepest liquidity in SAR, AMD, UAH. The full per-(exchange, fiat) breakdown is in the table above.