Mining digital currency has long been one of the most trending ways of earning money in the blockchain sphere. Every year, mining cryptocurrency becomes more and more complicated, because this process requires a huge amount of electricity, expensive hardware and decreasing every 5 years the reward paid to participants for protecting the network, if we are talking about bitcoin.
How to withdraw crypto to the card in 2025. The main ways
A study by Chainalysis, which every year assigns a global index of cryptocurrency usage to each country, has ranked Ukraine 6th among all countries in the world in 2024, passing only India, Nigeria, Indonesia, the United States and Vietnam.
The level of cryptocurrency masses in Ukraine is growing every year: according to the number of owners of digital assets Ukraine ranks 18th in the world as of 2024, according to data provided by Triple-A.
Thus, the issue of correct handling of cryptocurrencies becomes more and more important every year, and crypto-education may soon become an integral part of our lives.
With the growth of masses of Web3 sphere adoption, withdrawing cryptocurrency to a bank card will become a more and more demanded procedure, the specifics of which everyone will need to know.
Is it possible to withdraw cryptocurrency into real money?
At the moment, there are many ways to withdraw cryptocurrency quickly and safely in Ukraine, but each of them has its own specifics.
We have highlighted the main ways of withdrawal, relevant in 2025 in Ukraine:
- crypto exchanges and crypto wallets
- exchangers
- trading bots
- aggregators
- P2P services
How to exchange USDT and withdraw fiat money to a Ukrainian card?
How to withdraw money from a cryptocurrency wallet: step-by-step instructions
Choose a reliable cryptocurrency wallet for using cryptocurrency. We wrote more about the specifics of choosing a wallet for storing assets in our material. Let’s consider withdrawing cryptocurrency using the Trustee Plus custodial wallet.
How to withdraw cryptocurrency to a card using Trustee Plus
The procedure of withdrawal to a bank card via P2P is as simple and safe as possible. Trustee Plus offers automatic conversion of bitcoin, Ethereum and USDT into fiat currency with a 0.5% commission. In addition, the wallet is integrated with ApplePay and GooglePay payment apps. With Trustee Plus, you can withdraw money via ATM.
In order to withdraw cryptocurrency to the card using Trustee Plus, follow the steps below:
1. On the home screen, tap the “Transfer” button.
2. Select the desired crypto asset.
3. Specify the P2P method - exchange without commission.
4. Select the fiat currency and the desired bank, check all the data and click “Next”.
5. Enter details for receiving funds.
6. Specify full name, card number, bank and country.
7. The funds will be received within 15 minutes. After receipt, click “Confirm”.
How to withdraw cryptocurrency through crypto exchanges
Crypto exchanges are one of the most efficient ways to exchange and withdraw cryptocurrency with the widest selection of trading pairs and options. Such platforms provide maximum security for clients, as they do not use third-party services when conducting transactions.
It is worth remembering that due to the tightened regulation of the cryptocurrency market at the moment Ukrainian cards do not support direct withdrawal from crypto exchanges.
However, the Binance exchange currently has an option to withdraw fiat via Fiat Trade or GeoPay Wallet service.
WhiteBIT exchange supports transactions with several fiat currencies, including Ukrainian hryvnia and euro. Special integrated services are used for this procedure.
Be sure to pay attention to transaction fees. In addition, some exchanges (e.g. Binance) require two-factor approval of the transaction (mail confirmation and authenticator).
How to withdraw cryptocurrency via P2P platforms
The P2P (peer-to-peer) trading format involves the exchange of funds between users without the participation of intermediaries. This decentralized way of withdrawing cryptocurrency is present on almost all major exchanges and can be an excellent alternative in the Ukrainian reality, where there are problems with withdrawal to national bank cards.
Going to the P2P section of any exchange, you will see a list of offers from sellers, where they publish their offers to buy or sell cryptocurrency or fiat money.
Each seller's account has a detailed description, which allows you to evaluate the conditions, risks and choose the most favorable deal. Here you can find the seller's overall rating based on the number of successfully completed transactions; the currency/cryptocurrency limits the seller has; the total number of transactions and the bank address to which the cryptocurrency should be transferred.
In fact, P2P transactions are a type of simple physical exchange, with the difference that you do not hand over the cryptocurrency in person, but send it to the card to the seller, and he subsequently undertakes to send an equivalent amount of fiat (e.g. hryvnia) to your account. The platform itself often acts as a guarantor of safety, but it is worthwhile to carefully read the terms of the exchange before making an exchange.
Carefully study the details of the transaction in the seller's account. After the transfer, many of them ask for a screenshot confirmation of the money transfer.
How to withdraw money through online exchangers
An online exchange is another variation of the simple exchange of crypto for fiat with the transfer of funds to the recipient's address. That is, one client sells cryptocurrency, and another client buys for fiat.
At the moment in Ukraine, such online exchangers act as a kind of bridge that unites crypto-assets and fiat.
However, it should be understood that here you act at your own risk, because no one gives you any guarantees for this exchange. In addition, you can fall for fraudsters, for example, phishing site, which uses a fake copy of the current service and steals users' funds.
At the moment, there are several online exchange services for cryptocurrencies and fiat, which, among other things, conduct cash transactions in Ukraine and abroad. They are trusted by users and easy to use. For example, Dvizh, Bulldog Exchange and 001k Exchange. All these services are characterized by high speed of processing applications, as well as the presence of support service, which is ready to help if there are any problems with the transaction.
In order to withdraw cryptocurrency to a card, you usually need to perform just a few simple actions:
- specify the type of cryptocurrency (e.g., hryvnias) and its amount to be withdrawn
- enter your details (usually name, e-mail and phone number are required - less often bank details)
- create an application, go to payment, copy the address and transfer cryptocurrency to it
- The seller makes the transfer, the transaction is processed. And the money comes to your card (processing time usually takes from 30 minutes to 4 hours)
The withdrawal fee varies depending on the trading pair you choose.
Aggregators
To protect yourself from losing money, you should use an analog of P2P-sellers rating on crypto exchanges - an aggregator of crypto exchanges with their current rating. Of course, this rating is not a guarantee of a successful transaction and security of the resource, but it is formed on the basis of user feedback and therefore it can usually be trusted.
Conduct a comparative analysis of sites can be carried out on services such as Obmify. This platform has the largest database of exchangers with accompanying ratings and real user reviews.
Remember that these platforms do not provide exchange service directly, but only conduct a comparative characterization of different online exchangers so that you can make the best choice.
Telegram bots
Telegram bots are automated programs with convenient functionality (everything you need is in the Telegram chat) and a simple interface, which greatly facilitates the process of exchanging cryptocurrency for fiat.
You can withdraw fiat funds simply by registering and creating an account in such a bot.
After that, just follow the simple instructions in the bot:
- link your cryptocurrency wallet
- specify details for exchange (card) and receiving money
- specify the required amount and type of cryptocurrency for exchange
- After payment, wait for the money to be received on the specified details
Such bots fully preserve the anonymity of all operations, but it is not recommended to store large amounts on them, as there is a high risk of theft of funds due to the fact that you are not the actual owner of the wallet.
Conclusion
For any user, the most important criteria for cryptocurrency exchanges are speed, transaction security and the lowest commission.
The problem of withdrawing money to bank cards from cryptocurrency exchange wallets is something that Ukrainians have faced as a consequence of the regulatory policy aimed at combating illegal gambling and the entry into force of the law “On Virtual Assets”. However, at the moment there are many alternative ways to withdraw cryptocurrency to a Ukrainian bank card. Always pay attention to the exchange rate, commissions, account requirements and possible restrictions that may arise when using the service. Test different platforms and tools to choose the most suitable one for you.
