XT.COM Deposits and Withdrawals 2026: Free Deposits, USDT Fees by Network, Fiat and P2P

XT.COM charges no deposit fees, and withdrawals cost a fixed amount per network: USDT costs 0.5 USDT on BNB Smart Chain, 1 USDT on Tron and 4 USDT on Ethereum, with a 10 USDT minimum on every network. Buying crypto by card, third-party payment or P2P requires KYC; spot and futures trading do not (checked October 2026).

This guide uses the public data behind the "Deposit & Withdrawal Fees" tab of XT.COM's official fee page to list withdrawal fees and minimums for USDT, USDC, BTC, ETH and other major coins, then covers fiat on-ramps, KYC, internal transfers and the XT Smart Chain (XSC) network, checked on 2026-10-07. Once your funds are in, trading fees are the biggest long-term cost: bind code FEEOTTER through Fee Otter and XT.COM pays a 70% futures rebate, 3.5 times a common 20% code.

Quick answers

• Deposits are free: the official data shows a deposit fee of 0 for all 1,098 coins on every network.
• The cheapest USDT withdrawal is BNB Smart Chain at 0.5 USDT; Aptos charges only 0.01 USDT, but the recipient must support that network.
• Minimums: 10 USDT on every USDT network; USDC on Ethereum needs 35 USDC.
• Fiat and P2P need KYC: card purchases, third-party payment and P2P all require identity verification.
• Internal transfers are free between the spot, margin, futures and Earn accounts.

Check which networks the recipient supports first, then pick the cheapest one. Sending on the wrong network is the most common loss and the hardest to undo.

Ways to fund: on-chain deposits and fiat purchases

There are two ways to get funds into XT.COM:

• On-chain deposit: transfer crypto in from another exchange or wallet. Go to Assets, then Deposit, choose the coin and network, and copy the deposit address (some coins also need a Memo or Tag). No KYC needed.
• Buying with fiat: XT.COM's Buy Crypto menu offers credit and debit cards (Visa, Mastercard), third-party payment providers, P2P trading (buy USDT and others with a bank card) and XT OTC for individuals and institutions. These require KYC.

According to XT.COM's official registration and KYC guide (January 2026), you upload color photos of a passport or national ID and complete a liveness check; review usually takes up to 2 days. Verified users get fiat and P2P access, can apply to be P2P merchants and have higher daily withdrawal limits. XT.COM also notes that extra verification may be required depending on your location or payment channel.

USDT withdrawal fees by network

From the public data behind the deposit and withdrawal tab of the XT.COM fee page, checked on 2026-10-07:

Polygon POS, earlier suspended for deposits and withdrawals, had reopened when we checked on 2026-10-13, at 0.02 USDT per withdrawal with a 10 USDT minimum, the cheapest common network on XT.COM. Fees are flat amounts, not percentages: withdrawing 1,000 USDT costs 4 USDT (0.4%) on Ethereum and 0.5 USDT (0.05%) on BNB Smart Chain.

Withdrawal fees for other major coins

BTC can also go out on BNB Smart Chain (0.00001 BTC) or Ethereum (0.00008 BTC), but that is a BTC token on that chain, not native Bitcoin, and the recipient must support the same network. The official fee page has the full list, and fees change with network conditions.

Be careful with XT Smart Chain (XSC)

XSC is XT.COM's own blockchain, and many coins have an XSC version. XT.COM's official warning on the withdrawal page says that when you choose XSC, you must make sure your withdrawal address supports XT Smart Chain; if the other platform does not support it, your assets may be lost.

When withdrawing from XT.COM to another exchange, do not choose XSC unless that exchange's deposit page lists it. Funds sent on the wrong network usually cannot be recovered automatically, and manual recovery depends on whether the receiving exchange is willing to help.

Internal transfers: free between accounts

XT.COM splits assets across spot, margin, USDT-M futures, COIN-M futures and Earn accounts, and states that internal transfers are free. To trade futures, move USDT from spot to the USDT-M futures account; before the first transfer you need to activate futures on the trading page. The Earn account cannot transfer directly: XT.COM first redeems the matching amount of flexible products, then transfers it. Futures fees and rules are in the XT.COM futures guide.

Withdrawal limits and KYC

Unverified XT.COM accounts can deposit, trade and withdraw; KYC raises the daily withdrawal limit. The actual limit for each verification level is whatever the XT.COM withdrawal page and its official withdrawal limit guide show. When moving assets from an old account to a new one, limits are counted per day, so large amounts can be moved over several days; the full steps are in the XT.COM rebind guide.

If you only trade spot and futures with modest amounts, you can skip KYC for now and verify when you need fiat, P2P or a higher withdrawal limit.

After depositing: cut your trading fees

Deposit and withdrawal fees are one-off, while trading fees come with every trade: 0.06% futures taker and 0.2% spot on XT.COM. Register with code FEEOTTER and submit your UID on the Fee Otter rebate platform for a 70% futures rebate and 45% on spot, which brings futures taker down to 0.018%. Rebate amounts at different volumes are in the XT.COM fee rebate guide, and signup steps are in the XT.COM registration guide.

If you're already a VIP on an exchange and want to rebind or sign up on another one, contact support. We can help you apply for special trading perks or a higher rebate rate.

XT.COM referral codes can only be entered at signup. If you already have an account, open a new one with a phone number or email that has never been registered, then withdraw your assets across.

Common mistakes

• Choosing a network the recipient does not support, especially XSC. Check the networks on the recipient's deposit page first.
• Leaving out the Memo or Tag: for coins such as XRP and TON, a correct address without the Memo will not reach your account.
• Going below the minimum: for example, you cannot withdraw less than 10 USDT.
• Assuming internal transfers cost money: moving between accounts is free, so there is no need to deposit again for futures.

FAQ

Does XT.COM charge for deposits?

No. The official data shows a deposit fee of 0 for every coin and network; the sending exchange or wallet may charge its own withdrawal fee.

Which network is cheapest for withdrawing USDT from XT.COM?

Among the common networks, BNB Smart Chain at 0.5 USDT. Tron, Solana and TON cost 1 USDT, and Ethereum 4 USDT. The minimum is 10 USDT on all of them.

Can I withdraw from XT.COM without KYC?

Yes. Unverified accounts can withdraw, and KYC raises the daily limit; the official withdrawal page shows the limit for each level. Fiat and P2P always require KYC.

Can I buy crypto with a credit card on XT.COM?

Yes. The Buy Crypto menu offers Visa and Mastercard credit or debit cards, third-party payment and P2P, all of which require KYC.

Do transfers between XT.COM accounts cost anything?

No. Internal transfers between the spot, margin, futures and Earn accounts are free.

Withdrawal fees and minimums in this article come from the public data behind XT.COM's official fee page, and the KYC details from XT.COM's official blog, checked on 2026-10-07. Fees change with network conditions; the withdrawal page always prevails. This article is for information only and is not investment advice.

ⓘ Fee Otter rebate rates in this article are for futures unless marked as spot; the spot rate is 45%.

Data verified: 2026-10-07