USD withdrawals FAQs

Are there any fees for withdrawing USD to my bank?

Circle's fees are minimal and outlined here.

You may be charged an incoming wire fee by your bank, please contact them for details. If the amount you are wiring is less than the fee your bank charges, your account may not be credited.

Is there any minimum withdrawal amount?

The minimum withdrawal amount at the moment is 100 USD.

When can I withdraw USDC?

Withdrawals are available from Monday to Friday (more timing details below), excluding holidays observed by the Federal Reserve System.

How long will my withdrawal take?

Once you initiate a withdrawal, our system automatically processes it in terms of burning the USDC tokens and initiating the bank wire transfer. Wires are periodically sent from Circle through our banking partners to your linked bank account. The time between requesting a withdrawal and having the corresponding wire initiated should at most be 1 hour.

Withdrawal requests initiated before 3 pm EDT on business days will have the associated wire sent for processing the same day. Requests initiated after 3 pm EDT will have the wire sent for processing the following business day.

Withdrawal requests to SEN-enabled bank accounts are processed instantly. For more details on USDC and SEN, check this support article here.

I submitted my withdrawal request, but it is still pending. What can I do?

Please contact support for further information.

My withdrawal is marked complete, but I have not received the funds in my bank account. What can I do?

Wire transfers initiated due to withdrawal are subject to standard wire processing time, which can take 1-3 business days. If that time has passed and you still do not see the funds in your account, please contact support.

My bank account is not a USD account. What will the FX (Foreign Exchange) rate be?

Our bank accounts only receive or initiate transfers in USD, so we will not assess any FX rate or FX charges. Therefore, your transfer will be subject to the FX rate applied by your bank's network, and you may incur additional FX processing fees. Please contact your bank for further information.

I would like to withdraw above my limit. What can I do?

Please read more for further information on requesting an account limit increase