Buying USDT (Tether) on Binance is one of the most common entry points for newcomers entering the cryptocurrency market. As a stablecoin pegged to the US dollar, USDT offers stability and wide usability across exchanges, making it an ideal choice for trading, saving, or transferring value. In this comprehensive guide, we’ll walk you through every step of purchasing USDT using either a credit/debit card or Binance’s peer-to-peer (P2P) trading platform. We’ll also cover how to securely withdraw your USDT to an external wallet.
Whether you're based in Vietnam, the U.S., or anywhere else, these methods are accessible and user-friendly — designed to help you convert fiat currency into digital assets with confidence.
Why Buy USDT on Binance?
Binance is the world’s largest cryptocurrency exchange by trading volume, offering a secure, fast, and intuitive platform for buying, selling, and managing digital assets. With support for multiple payment methods and robust buyer protection in P2P trades, Binance makes it simple to acquire USDT regardless of your location or experience level.
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Method 1: Buy USDT Using a Credit or Debit Card
Purchasing USDT with a card is the fastest way to enter the crypto ecosystem. This method is perfect if you want instant access to your tokens without waiting for bank transfers.
Step-by-Step Guide
- Open the Binance App
Launch the Binance mobile app and log in to your account. From the homepage, tap Trade at the bottom, then select the Fiat tab at the top. - Select Cryptocurrency and Payment Method
Choose Buy and enter “USDT” as the cryptocurrency you wish to purchase. Binance supports VISA and Mastercard transactions globally. - Enter Purchase Amount
Input the amount of fiat currency you'd like to spend (e.g., 500,000 VND). Note that Binance enforces minimum and maximum limits — for example, in Vietnam, the range is typically between 360,000 and 118,000,000 VND per transaction. - Review Exchange Rate and Fees
Binance will display the current exchange rate and any associated fees. If this is your first time using the card, you’ll be prompted to enter your card details and billing address. - Confirm Transaction
Double-check all information and tap Confirm. Once approved, USDT will be credited directly to your Binance spot wallet within seconds.
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Method 2: Buy USDT via Binance P2P (Peer-to-Peer)
Binance P2P allows users to buy USDT directly from other individuals using local payment methods like bank transfers. It's free of trading fees and offers greater flexibility in payment options.
Option A: Express P2P Purchase
This is the quickest P2P option — Binance automatically matches you with a seller at a competitive rate.
- Tap Trade, then go to the P2P tab.
- Select Express Buy, choose USDT, and input the fiat amount you want to spend.
- Confirm your order. Binance assigns a seller and locks their USDT in escrow.
- Transfer funds to the seller’s bank account within 15 minutes.
- Click Transferred after completing the payment.
- Once the seller confirms receipt, USDT is released to your wallet.
⚠️ Always take a screenshot of your payment confirmation. This serves as proof in case of disputes.
Option B: Traditional P2P Trading
For more control over price and counterparty selection, use standard P2P trading.
- Go to P2P Trading and select your preferred fiat currency (e.g., VND).
Browse available offers. Look for:
- Sellers with a diamond badge (business traders)
- High trade volume and completion rate (ideally 100%)
- Positive user feedback
- Click on an offer and enter the amount you’d like to buy.
- Follow the same payment and confirmation steps as above.
Binance holds the seller’s USDT in escrow throughout the transaction, ensuring your funds are protected.
Frequently Asked Questions (FAQ)
Q: Is it safe to buy USDT through Binance P2P?
A: Yes. Binance uses an escrow system that locks the seller’s USDT until you confirm payment. As long as you follow instructions and keep proof of transfer, your transaction is secure.
Q: How long does it take to receive USDT after payment?
A: In most cases, USDT is credited within minutes after the seller confirms your payment. The entire process should not exceed 15–30 minutes.
Q: Are there fees for buying USDT on Binance?
A: Card purchases include a small processing fee (usually around 1–2%). P2P trading itself has no fees, but spreads between sellers may vary.
Q: Can I sell USDT for fiat using these methods?
A: Absolutely. The selling process mirrors buying — initiate a P2P sell order, receive fiat into your bank account, then confirm release of USDT to the buyer.
Q: What should I do if a P2P trade gets stuck?
A: Use the Chat function to communicate with the seller. If unresolved, click Appeal and provide your payment screenshot. Binance support will mediate.
Q: Why choose USDT over other stablecoins?
A: USDT is widely accepted, highly liquid, and backed by reserves (though always do your own research). Its 1:1 USD peg makes it reliable for storing value without volatility.
How to Withdraw USDT from Binance to an External Wallet
Once you’ve bought USDT, you might want to move it to a personal wallet for added security or use in decentralized applications (dApps).
Steps to Withdraw
- From the home screen, tap Wallet > Withdraw.
- Search for USDT and select it.
- Enter the recipient wallet address.
- Choose the correct blockchain network (e.g., TRON/TRC20, Ethereum/ERC20, BNB Chain). Ensure compatibility with your destination wallet.
- Input the withdrawal amount.
- Confirm with your security password or two-factor authentication (2FA).
📌 Warning: Double-check the withdrawal address and network. Sending via the wrong chain can result in permanent loss.
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Final Thoughts
Learning how to buy USDT on Binance opens the door to the broader world of digital finance. Whether you prefer the speed of card purchases or the flexibility of P2P trading, Binance provides reliable tools for converting fiat into crypto with ease.
By following best practices — such as choosing trusted sellers, keeping transaction records, and using strong security measures — you can confidently navigate your crypto journey from day one.
And once you're ready to expand beyond Binance, knowing how to withdraw and manage your USDT empowers you to engage with DeFi platforms, NFT marketplaces, and global payment systems.
👉 Start exploring what’s possible when you take control of your digital currency today.
Remember: Always verify URLs, enable 2FA, and never share your private keys. With responsible habits and the right knowledge, buying and managing USDT can be a seamless part of your financial routine.