Buy USDT with a credit card, debit card or bank transfer, delivered to a wallet you control. Choose the USDT network before you pay. From $30, with the fee and the amount you'll receive shown before you confirm.
Other popular cryptocurrencies to buy
Pick the destination: you nominate the wallet before you pay.
Delivered, not held: the USDT arrives there once the purchase clears.
No exchange account: it does not sit on a platform waiting to be withdrawn.
Pick it at checkout: the network is chosen during the purchase, not after.
Match the destination: the coins arrive on the chain your wallet or service supports.
Hard to undo: a transfer sent on the wrong network generally cannot be reversed.
The rate: what your money converts at.
The fees: processing and network costs that come off the top.
The estimated USDT: the final amount that should arrive.
Pay by card, debit card or bank transfer where available
Start from $30, with the fee shown before you confirm
Hold, send, swap or sell your USDT afterwards
Pay by card, debit card or bank transfer where available
Start from $30, with the fee shown before you confirm
Hold, send, swap or sell your USDT afterwards
Pay by card, debit card or bank transfer where available
Start from $30, with the fee shown before you confirm
Hold, send, swap or sell your USDT afterwards
Pick the network first. It decides where your USDT can go. Then choose an amount, a payment method and a wallet.
1. Choose the USDT network and amount
Select the USDT network you want before anything else: it decides which wallets and services can receive the coins. Then enter an amount and check the estimated USDT you'll receive.
One USDT is designed to be worth one US dollar, so $100 buys about 100 USDT before fees. The peg holds only as long as Tether maintains it.
Rate, processing fee and network fee all come off the top. Compare quotes on the final USDT figure.
USDT is issued by Tether. It is not dollars held in your name at a bank. Tether publishes reports on the reserves behind it.
USDT runs on several blockchains, and each one uses its own coin to pay the transfer fee. The Bitcoin.com Wallet can receive USDT on these four.
Four things you can do once the USDT is in a wallet you control.
Keep USDT in a self-custody wallet.
Transfer it to another wallet using the same supported network.
Exchange it for BTC, ETH or another supported crypto.
Convert it back to fiat where supported.
The Bitcoin.com Wallet holds USDT on four networks: Ethereum, BNB Smart Chain, Polygon and Avalanche. If you buy USDT on a network it does not support, such as Tron or Solana, send it to a wallet that does support that network instead.
Yes. Selling works like the purchase in reverse: a payment provider takes the USDT and pays out to a card or bank account, subject to the verification and regional limits that apply to you. You can start that from the sell crypto page. Swapping USDT for another cryptocurrency is a different operation that stays on-chain and does not produce cash.
USDT is issued by Tether, which reports the reserves held against the tokens in circulation on a quarterly basis. The peg is a claim on those reserves rather than a guarantee, and a stablecoin's value depends on the issuer maintaining it. Our explainer on what USDT is goes into how the peg works in more detail.
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We are ISO 27001 certified, the international standard for information security management. Crypto you buy here is sent to an address you control rather than held in an account for you.
2. Choose your payment method
Choose from the payment options available to you, which may include debit card, credit card or bank transfer. What you see depends on your location and on the payment provider shown at checkout.
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3. Complete any required verification
The payment provider verifies your identity before processing the purchase. That usually means a government-issued photo ID, and sometimes a selfie or proof of address, depending on the provider, the amount and your location. There is no route here that skips it.
4. Review the rate, fee, network and amount
Check the exchange rate, the fee, the USDT network you selected and the amount you'll receive before approving the purchase. The quote shows what it costs in total before you confirm.
5. Receive your USDT
Once the payment is processed, your USDT is sent to the wallet address you provided, on the network you chose. If that is a self-custody wallet, it is yours to hold, send or swap as soon as the transfer confirms.
This is the decision that matters most when you buy USDT, and it is the one people get wrong. Tether issues USDT on several blockchains. A dollar of USDT is the same claim on each of them, but the versions are not interchangeable in transit: each network uses its own address format, and a transfer sent on one network cannot be received by a wallet that only supports another. Choose the network before you pay, not afterwards.
| Token standard |
|---|
| Network fees paid in |
|---|
| Bitcoin.com Wallet can receive it |
|---|
| Ethereum | ERC-20 | ETH | Yes |
| Tron | TRC-20 | TRX | No. Send to a wallet that supports Tron |
| BNB Smart Chain | BEP-20 | BNB | Yes |
| Polygon | ERC-20 on Polygon | POL | Yes |
| Solana | SPL | SOL | No. Send to a wallet that supports Solana |
| Avalanche | ERC-20 on the C-Chain | AVAX | Yes |
Every network charges its own transaction fee, and that fee is paid in the network's own coin rather than in USDT. Holding USDT on Ethereum means keeping a little ETH in the same wallet to move it; on Tron it means TRX, on Polygon POL, and so on. Fees differ between networks and change with how busy each one is, so the cheapest choice today is not always the cheapest next month.
The practical rule is to match the network to the destination. If the USDT is going into the Bitcoin.com Wallet, pick Ethereum, BNB Smart Chain, Polygon or Avalanche. Those are the four networks it holds USDT on. If you are sending it somewhere else, check which network that wallet, exchange or service expects first, and buy on that one. USDT bought on Tron or Solana needs a wallet that supports those networks; it will not arrive in a wallet that does not.
Cards are the quickest route. You enter an amount, pick your card, and the USDT is sent to the wallet you nominated once the payment clears, which is usually straight away. Bank transfer generally costs less and takes longer to settle. Which methods you actually see depends on your country and on the payment provider handling the purchase, and the provider lists your options before you confirm.
One thing worth checking before paying by credit card: some issuers treat cryptocurrency purchases as a cash advance rather than an ordinary purchase, which can mean a higher interest rate with no grace period plus a cash-advance fee, on top of the purchase fee. That is a decision your card issuer makes, not Bitcoin.com. Debit cards are not treated as cash advances, although other issuer or provider fees may still apply. How the payment methods compare across crypto generally is set out on our page dedicated to buying crypto.
The cost of buying USDT is not only the processing fee. The quoted rate carries a spread, and the network fee for delivering the coins depends on the network you chose. Because USDT tracks the dollar, the clearest comparison is simply how much USDT you end up with for the amount you paid, and the quote shows that figure before you confirm.
A USDT purchase has more moving parts than an ordinary online payment. Your money travels on payment rails, and the tokens travel on whichever blockchain you picked above. Different parties run those two halves, and each sees something different about the transaction. Knowing who does what tells you who can actually fix a problem, and who ends up holding which piece of your information.
Card payments fall under PCI-DSS, the Payment Card Industry Data Security Standard, which sets out how card data may be transmitted, processed and stored. The practical consequence is that the checkout form belongs to the payment provider: your card number is entered there and stays within the provider's systems rather than passing through Bitcoin.com. If your bank adds a 3-D Secure step, that exchange is between you and your bank, so the code or approval you give is not seen by the provider or by us.
On our side of the transaction, Bitcoin.com is ISO 27001 certified, the international standard for information security management, and our privacy policy sets out what the site itself collects.
You do not have to take anyone's word for the delivery. The transfer is written to whichever blockchain you bought on, and that record is public, so you can look it up by its transaction hash or by your receiving address and see the amount, the fee and whether it confirmed. Use the explorer belonging to that network: a TRC-20 transfer on Tron will not appear in an Ethereum explorer, and nor will one on Solana or Polygon. Our explainer on what a blockchain explorer is covers how to read one. If the transfer is not there, the USDT has not been sent, and the provider that took your payment is the one who can say why.
Not on this page, and not through any regulated on-ramp. Buying USDT with fiat currency means a payment provider is converting your money, and providers that handle card and bank payments are required to verify who their customers are. Anywhere advertising a card purchase with no identity check at all is worth treating with suspicion.
The requirement has two roots. Exchanging money for crypto is a regulated activity in most countries, so the provider has to establish who its customer is before it processes the payment. And a card payment can be reversed by the cardholder long after it has cleared, while a confirmed USDT transfer cannot be reversed by anyone: the provider is taking an irreversible action on the strength of a reversible one, which is why a crypto purchase asks for identification when an ordinary online checkout does not.
What the provider asks for depends on the provider, the payment method, the amount and your location. It usually means a government-issued photo ID, and sometimes a selfie or proof of address. Having those to hand before you start makes the purchase quicker. The requirements are set by the provider processing your transaction rather than by Bitcoin.com, and the provider tells you what it needs during the purchase.
Verification applies to the fiat purchase, not to the USDT afterwards. Once the coins are delivered to a self-custody wallet, holding and sending them does not involve a provider at all.
Your USDT is sent to the wallet address you give during checkout, on the network you selected. If that address belongs to a self-custody wallet such as the Bitcoin.com Wallet, the coins are yours to hold, send or swap once the transfer confirms, without asking a provider to release them. If you buy on a custodial exchange instead, the USDT stays in that platform's custody until you withdraw it.
Two things have to line up: the address and the network. An address that is valid on one network is not valid on another, and a confirmed transfer generally cannot be reversed by the sender. Copy the receiving address from the wallet itself rather than typing it, confirm the network matches the one you bought on, and for an unfamiliar destination consider sending a small amount first.
Both are dollar-pegged stablecoins, both run on multiple networks, and in day-to-day use they behave the same way: one unit is designed to be worth one dollar. They differ in who issues them and how each issuer reports its reserves, and in where each is most widely accepted. USDT tends to be the more common choice on exchanges and in peer-to-peer trading, while USDC is often preferred by regulated businesses. If the USDT is destined for a particular exchange, wallet or service, the practical question is which one that destination supports. You can also buy USDC here, and hold it in the USDC wallet.
Converting USDT back to your local currency works the same way as the purchase, in reverse: a provider takes the USDT and pays out to a card or bank account, subject to the verification and regional limits that apply to you. You can start that from the sell crypto page. Swapping USDT for another cryptocurrency is a different operation and stays on-chain: it does not involve a bank, and it does not turn the balance into cash.
For a fuller explanation of what Tether is, how the peg is meant to hold and how the reserves are reported, see our explainer on what USDT is.
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