From 1 May 2026, USD withdrawals on Crypto.com Exchange are subject to a fee based on each client's rolling 30-day net USD fiat withdrawal and will be subject to the Fair Usage Policy - USD Fiat Withdrawals. This article explains how the fee works, what your daily limits are, and how to manage your usage.
Daily USD Withdrawal Limits
Client Classification | Daily USD withdrawal limit |
Retail | $100,000 / rolling 24h |
Retail VIP | $500,000 / rolling 24h |
Institution | $10,000,000 / rolling 24h |
How the Fee is calculated
The fee is based on your net USD withdrawn over the past 30 days:
Net USD withdrawn = (USD you've withdrawn) − (USD you've deposited) − (Net USD you've received from OTC trades)
Net USD received from OTC = (USD received from OTC trades) − (USD spent on OTC trades), over the past 30 days. If this comes out negative, it counts as zero — it never adds to your net.
A few things to note:
What reduces your net: USD deposits into your wallet, and net USD received from OTC trades. Deposits in USDC, USDT, BTC, ETH or other crypto on their own do not reduce your net.
The 30-day window is rolling. Each withdrawal looks back 30 days from that moment — there is no first-of-the-month reset.
Only the portion above $1,000,000 is charged. Anything at or below $1M is free.
Fee Schedule
Net 30-day withdrawal band | Fee Rate |
$0 - $1,000,000 | Free (0%) |
Above $1,000,000 | 0.05% (5bps) |
Examples
Example 1 — withdrawal within the free portion (no fee)
You request a $500,000 withdrawal. Your net USD withdrawn over the past 30 days is currently $300,000.
Daily limit check: $500,000 is within your daily withdrawal cap.
Your net stays in the free band ($0 – $1M) even after this withdrawal ($800,000).
Fee = $0. You receive the full $500,000.
Example 2 — withdrawal entirely above the free portion (paid)
You request a $5,000,000 withdrawal as an Institution client. Your net USD withdrawn over the past 30 days is currently $50,000,000 (already above $1M).
Daily limit check: $5M is within your $10M Institution daily cap.
All $5M of this withdrawal sits above the $1M free portion.
Fee = $5M × 5bps = $2,500.
You receive $5,000,000 − $2,500 = $4,997,500.
Example 3 — withdrawal that crosses the $1M mark
You request a $2,000,000 withdrawal. Your net USD withdrawn over the past 30 days is currently $300,000.
Daily limit check: passes.
This withdrawal pushes your net from $300,000 to $2,300,000:
$700,000 still falls in the free portion → $0
$1,300,000 falls in the paid portion → $1.3M × 5bps = $650
Total fee = $650.
You receive $2,000,000 − $650 = $1,999,350.
Only the portion that takes your net above $1M is charged.
Example 4 — OTC trades cover the withdrawal (no fee)
Over the past 30 days you've sold $5,000,000 of BTC via OTC and received USD into your wallet. You haven't spent any USD on OTC trades, and you have no USD deposits or withdrawals in the same window. You now request a $3,000,000 USD withdrawal.
Daily limit check: $3M is within your $10M Institution daily cap.
Net USD received from OTC over the past 30 days = $5,000,000.
Net USD withdrawn = $3M − $0 − $5M = below zero, so it counts as $0.
$0 is in the free portion.
Fee = $0. You receive the full $3,000,000.
The USD you received via OTC fully covers this withdrawal.
Example 5 — partial OTC offset
Over the past 30 days you've sold $5M of BTC via OTC (receiving $5M USD) and bought $2M of ETH via OTC (spending $2M USD). Net USD received from OTC = $5M − $2M = $3,000,000. You now request a $4,000,000 USD withdrawal, with no USD deposits in the same window.
Daily limit check: passes.
Net USD withdrawn = $4M − $0 − $3M = $1,000,000, right at the free portion edge.
Fee = $0. You receive the full $4,000,000.
If you instead requested $5,000,000, your net would push to $2M — $1M in the free portion and $1M in the paid portion. Fee = $1M × 5bps = $500.
Frequently Asked Questions
Are USDC withdrawals charged?
No. The fee applies only to USD withdrawals via bank wire. USDC withdrawn on-chain remains free.
Do USDC, BTC, or other deposits reduce my net fiat withdrawal?
Direct USDC, BTC, ETH or other crypto deposits do not reduce your net on their own. Two things reduce your net:
USD deposits (wires received into your Exchange USD wallet).
Net USD received from OTC trades (USD received from OTC trades minus USD spent on OTC trades over the same 30-day window). For example, if you sold BTC via OTC and received USD into your wallet, that USD counts toward reducing your net when you later withdraw USD.
When is the withdrawal fee deducted?
The fee is calculated and deducted from your withdrawal amount at the moment you submit the withdrawal request. The amount disbursed to you is your requested withdrawal amount minus the fee, before any external bank or wire charges your receiving bank may apply.
For example, if you request a $5,000,000 withdrawal and the fee comes out to $2,500, you will receive $4,997,500 from us (before any external bank charges).
How do OTC trades and sub-accounts work for the offset?
If you trade with the OTC desk:
OTC trades that bring USD into your wallet (e.g. you sold BTC and received USD) reduce your net.
OTC trades that take USD out of your wallet (e.g. you bought ETH and paid USD) reduce that offset.
If you've done both — for example, sold $1M of BTC and bought $1M of ETH — they cancel out and you get no offset from that activity.
If you operate multiple sub-accounts under one main account, the offset is calculated across your main account and all your sub-accounts combined. An OTC trade in one sub-account and an OTC trade in another are added together.
OTC trades quoted in USDT, EUR or other non-USD currencies do not affect the calculation.
What activity counts on the very first day this is live?
The fee schedule applies from 1 May 2026. There is no backfill of activity prior to 1 May 2026 — your 30-day counter starts fresh on 1 May. In the first 30 days after launch the counter builds up day by day. From 30 May 2026 onwards the full rolling 30-day window is in effect. This means no client can be in a fee-paying band on day one.
How does the rolling 30-day window work?
Each withdrawal request looks back 30 days from that moment — there is no calendar reset. Withdrawals, deposits and OTC trades older than 30 days drop off the window automatically as time passes. Activity prior to 1 May 2026 is not counted.
When does my withdrawal start counting toward my 30-day total?
Your withdrawal counts toward your net 30-day total from the moment you submit the request — not when the withdrawal finally settles in your bank account.
This means:
If you submit two withdrawals back-to-back, the second withdrawal will already see the impact of the first one in your net 30-day total, even if the first is still pending settlement.
If your withdrawal is later cancelled or fails (for example, if the bank wire is rejected), the amount and any fee charged for that withdrawal are automatically removed from your 30-day total.
How can I reduce my fees?
Withdraw less USD over any 30-day window.
Deposit USD into your wallet — these deposits directly reduce your net.
If you use the OTC desk, OTC trades that bring USD into your wallet also reduce your net. (Round-trip trades — selling and then buying back — cancel out and don't help.)
Where suitable, use USDC withdrawals — these remain free.
Are there any other terms applicable USD fiat withdrawals?
USD withdrawals are subject to the applicable Crypto.com Exchange Terms and Conditions as well as the Fair Usage Policy - USD Fiat Withdrawals, which may be amended from time to time.
Who do I contact for questions or disputes?
For commercial questions, please contact your relationship manager. For general support, please contact chat.crypto.com.