In the cryptocurrency circle, after struggling to accumulate wealth, don’t let issues arise during the withdrawal process. Whether you have hundreds of thousands or millions in your account, improper withdrawal operations may lead to financial loss or bank card freezing risks. Below, I will explain in detail how to transfer the money earned in the cryptocurrency circle safely into your bank card.
1. Choose the platform + select the right merchant to avoid 80% of the risks.
(1) Always choose top OTC platforms.
In the cryptocurrency circle, OTC (over-the-counter trading) is a common method. However, OTC platforms are mixed, making selection crucial. Always use OTC services from reputable major exchanges like Binance and OKX. These top platforms are strong and have mostly conducted strict reviews of OTC merchants. Trading on these platforms ensures fast fund arrival and supports full process operations with T + 1 (the first working day after the trading day). In sharp contrast, small exchanges, even if they advertise low fees and other tempting offers, should never be touched. Small exchanges lack strict regulation, and the risk of OTC merchants running away is high. Once a problem occurs and the money does not arrive, you won't even have someone to appeal to, and you can only blame your bad luck.
(2) Choose the time carefully, don’t be reckless.
The choice of withdrawal time also holds hidden mysteries. Try not to make withdrawal operations after 8 PM. During this time, platform customer service is basically off duty. In the withdrawal process, if issues such as incorrect card number or abnormal amount occur, without timely assistance from customer service, the transaction can easily get stuck halfway, creating an awkward state of being neither here nor there, increasing financial risk.
2. Don’t rush to withdraw after transferring to the wallet: let the on-chain heat "cool down."
Before withdrawing, there is a key step often overlooked, which is to first transfer the coins to a frequently used wallet and let it sit for three days. When withdrawing coins, choose wallets like MetaMask or Trust that have daily usage records. After transferring the coins into the wallet, do not perform any operations for three days to let the on-chain records "cool down." Never suddenly create a brand new address to receive a large amount of coins; this combination of "new wallet + large funds" is like waving a bright red flag in front of the bank's risk control system, easily triggering their mechanisms. In reality, many people's bank cards are frozen because they immediately tried to cash out after the coins arrived in the wallet without leaving enough buffer time for the fund flow.
3. Three iron rules for withdrawals: 99% of people fail at this step.
(1) Split the amount, do not withdraw in full.
Banks have their own set of judgment standards for account transactions, and "small amount + multiple transactions + reasonable intervals" are more likely to be viewed as normal. Therefore, during withdrawals, avoid making large withdrawals. For example, if you want to withdraw 100,000, you can split it into amounts such as 50,000, 30,000, and 20,000, operating one transaction per day; if the amount is as high as 1,000,000, then split it into about 8 transactions, with each interval of 2-3 days. This way, the bank system will think your funds in and out align with normal trading logic, reducing the risk of being controlled.
(2) The receiving card must be the one you "actually use."
What is a so-called "living card"? Simply put, it is the bank card you frequently use for daily expenses such as ordering takeout, paying utility bills, and repaying mortgages. This card has a balance of funds, records of daily transactions, and income deposits, presenting a real and normal state of financial transactions. When the bank reviews the inflow of funds, seeing a card that is "full of life" is more likely to be considered as having normal sources of funds and will be released. If you use a long-idle bank card with no daily transaction records to receive withdrawals from the cryptocurrency circle, the bank is likely to suspect the source of the funds and take risk control measures such as freezing the account.
(3) Preemptively "nurture the card": make a few small transactions.
If you expect to receive a withdrawal of 50,000 today, then yesterday afternoon, you can deliberately create a few small transaction records. For example, spend 18 yuan on breakfast, spend 42 yuan at the supermarket for daily necessities, and recharge 100 yuan for mobile phone expenses. The purpose of doing this is to let the bank system believe that this card has been actively used recently, making it more reasonable to receive a relatively large amount of funds. By preemptively "nurturing the card," you lay the groundwork for the inflow of large funds, reducing the bank's vigilance regarding financial risks.
4. After the funds arrive, don’t mess up in the last 10 meters.
(1) Always confirm the payer's name.
After the funds arrive, the first task is to carefully verify the payer's name and ensure it matches exactly with what is written in the order. If there is any discrepancy, you must immediately ask the merchant to cancel the order and redo the operation. Never harbor luck; if you receive money transferred from the wrong person, it is very likely that the funds are related to illegal activities and fall into the category of dirty money. Once the bank detects this, your bank card will definitely be frozen, and the subsequent unfreezing process is cumbersome and time-consuming, and you may even face legal risks.
(2) Make sure the notes are clean.
In withdrawal transactions, transaction notes should not be overlooked. The best practice is to have the merchant leave the notes blank or fill in ordinary, non-sensitive terms such as "living expenses" or "service fees." Absolutely avoid sensitive terms related to virtual currency transactions such as "USDT, digital currency, investment, purchasing agent." Because when banks monitor the flow of funds, if they find these sensitive terms in the notes, they will immediately place this transaction under close scrutiny, greatly increasing the risk of freezing your bank card.
(3) Don’t rush to transfer out after the funds arrive.
Within 48 hours after the funds arrive, try not to perform any operations on this amount. Patiently wait for two days, and from the third day onward, gradually transfer the funds out, with each transfer amount suggested to not exceed 20,000. This is because the bank system usually closely monitors the usage of funds within two days after they arrive; during this sensitive period, any large operations can easily trigger the bank's pre-set risk model, leading to account risk control. Therefore, it is best to remain inactive, smoothly pass through the observation period, and then arrange the fund transfers reasonably to ensure the safety of the funds.
5. Two of the easiest pitfalls to fall into.
(1) Do not sell USDT directly.
USDT, as a commonly used stablecoin in the cryptocurrency circle, has always been closely monitored by the banking system. Selling USDT directly undoubtedly exposes you to high risks. A more prudent withdrawal method is to first convert USDT into digital currencies linked to the RMB, such as CNC or QC, and then proceed with the withdrawal operation. Additionally, you can choose to go through "Blue Shield merchants" or "compliant channels." Although withdrawing through these channels may face slightly lower exchange rates, compared to financial safety, this loss is negligible, as safety is the top priority.
(2) Never attempt a test transfer.
Many people, out of caution, like to have the other party send 1 yuan beforehand to "test" if the bank card can receive money normally before officially receiving a large amount of funds. However, this seemingly cautious behavior is actually a typical signal for banks to determine "virtual currency transactions." Once the bank system detects such tentative transfer behavior, it may directly classify the account as involving virtual currency transaction risks, leading to the freezing of the bank card and making it unusable. Therefore, it is crucial to remember not to perform such tentative transfer operations during the withdrawal process in the cryptocurrency circle.
A one-sentence mantra: You can copy and use it.
Copy and edit the wallet, let it sit for three days, choose a card for daily use.
Split into smaller amounts for transfer, do not move funds around upon arrival.
Be cautious with USDT, Blue Shield is more secure.
Following the above steps and rules can greatly reduce the risk of withdrawing from the cryptocurrency circle, allowing your hard-earned wealth to be safely deposited. However, it is important to note that there are many uncertainties and risks in cryptocurrency trading, and policies and regulations are constantly changing. Always pay attention to the latest developments and act cautiously when operating.
If you currently feel helpless and confused about trading, and want to learn more about the cryptocurrency circle and cutting-edge information, click on my avatar to follow me, and no longer lose your way! Understand the market clearly, and you can operate with confidence. Steady gains are far more realistic than fantasizing about getting rich.
