How to Choose a USDT Withdrawal Network: TRC20, ERC20, BEP20, Solana and TON Fees Compared, and the Risk of Picking the Wrong One

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When you move USDT off an exchange, the first thing you have to choose is the “network”. It is all USDT, but TRC20, ERC20, BEP20, Solana and TON are different chains. Withdrawal fees range from 0 to more than 5 USDT, and if you pick the wrong one you may not get your money back.

The short version: check which networks the receiving side supports, pick the one with the lowest withdrawal fee among the networks both sides have, and send a small test first when the amount is large. In official data from 8 October 2026, BEP20 cost just 0.01 USDT at Binance, Bitget, MEXC and Ourbit, TRC20 mostly cost 1 to 1.5 USDT, and ERC20 ranged from under 0.1 to 5.5 USDT. Each exchange sets its own withdrawal fees, so the same chain can cost several times more at one exchange than at another.

This article is a summary of information and not investment advice. Withdrawal fees, supported networks and deposit rules all change. The figures in the table come from each exchange’s official API or fee page on the date shown; before you send anything, go by what the exchange’s withdrawal and deposit pages show.

Three steps to choose a USDT withdrawal network

Start with the receiving side: open the USDT deposit page of the exchange, wallet or Taiwanese operator you are sending to and see which networks it supports. This decides what you can choose. However cheap a network is to withdraw on, you cannot use it if the receiving side does not support it.
Pick the cheapest network both sides have: on the sending exchange’s withdrawal page, choose the same network and check the fee and the minimum withdrawal. The table in the next section lets you compare withdrawal fees first.
Check the address and Memo, then send a small test: copy and paste the address rather than typing it, then check the first and last few characters. If the receiving side asks for a Memo (note or tag), you must fill it in. For large amounts, send a small amount first and send the rest once it arrives.

I always send a small amount before a large transfer. In October 2026 I sent 134,515 USDT from OKX to Bitfinex on Solana. The network fee was 0.33 USDT and the transaction confirmed on-chain in two minutes, but Bitfinex’s Solana deposits happened to be delayed and the funds were credited about 6 hours later. I wrote up what happened in “USDT deposit delayed: what to do”.

USDT withdrawal fees by exchange

The table below shows each exchange’s published USDT withdrawal fee on 7 common networks (in USDT; a dash means not supported or not found):

Data checked: 2026-10-08

Exchange	TRC20	ERC20	BEP20	Solana	TON	Arbitrum	Polygon	Source
OKX	1.5	0.52	—	0.32	0.024	0.0033	0.013	2026-10-08
Bitget	1.5	2	0.01	0.5	0.15	0.1	0.07	2026-10-08
Binance	1.5	0.5	0.01	0.3	0.3	0.4	0.07	2026-10-08
KuCoin	1.99	5.5	1	1.5	0.5	1	0.8	2026-10-08
MEXC	0.5	0.094	0.01	0.18	0.017	0.05	0.0065	2026-10-08
HTX	0.5	0.3	0.01	0.3	0.3	—	—	2026-10-08
Bitfinex	0	2.1479	—	0.5	0	0	0	2026-10-08
WEEX	1.5	0.5	0.5	0.5	0.1	0.15	0.1	2026-10-08
XT.COM	1	4	0.5	1	1	2	0.02	2026-10-08
Pionex	1	1.1636	0.2	0.695	1	0.13	—	2026-10-08
Ourbit	1.5	0.3	0.01	1	0.15	0.17	0.1	2026-10-09

A few things stand out:

BEP20 is cheap but not available everywhere: it costs 0.01 USDT at Binance, Bitget, MEXC and Ourbit; OKX and Bitfinex do not support BEP20.
TRC20 mostly costs 1 to 1.5 USDT; MEXC charges 0.5 USDT and Bitfinex charges 0.
ERC20 varies the most: about 0.094 USDT at MEXC, 0.5 USDT at Binance and 5.5 USDT at KuCoin.
Bitfinex charges 0 on several networks: TRC20, TON, Arbitrum and Polygon withdrawals are all free, while ERC20 costs about 2.15 USDT.
OKX’s figures are minimum fees and the actual fee changes with network conditions; Pionex’s figures come from its app’s withdrawal page.
Bybit, BingX and Gate are not in the table: their official withdrawal fee pages require logging in or load through scripts, so I could not find figures to verify. Go by their withdrawal pages.

What the common USDT networks are

Network	Chain	What to watch for
TRC20	Tron	Every exchange in the table supports it, but most charge more than 1 USDT to withdraw
ERC20	Ethereum mainnet	Every exchange in the table supports it; fees vary the most, from under 0.1 to 5.5 USDT
BEP20	BNB Smart Chain	Only 0.01 USDT at several exchanges, but OKX and Bitfinex do not support it; do not confuse it with the old BEP2
Solana	Solana	Mostly under 1 USDT; I have run into a delayed deposit on the receiving side
TON	TON	Mostly under 0.5 USDT, but deposits to exchanges often need a Memo
Arbitrum	An Ethereum layer 2 network	Mostly under 0.5 USDT; the receiving side may not support it
Polygon	Polygon PoS	Mostly under 0.1 USDT; the receiving side may not support it

It is all called USDT, but USDT on different networks is an asset on a different chain. If you send on TRC20, the receiving side has to choose TRC20 too. Addresses that look alike are not interchangeable. ERC20, BEP20, Arbitrum and Polygon addresses, for example, share the same format and all start with 0x, so the system may let you submit a withdrawal on the wrong network.

What happens if you pick the wrong network or forget the Memo

The receiving side does not support the network you chose: you may not get the assets back. Even if the exchange is willing to help recover them, it usually charges a fee and takes a long time, and it may refuse.
You forget the Memo or enter the wrong one: an exchange receives many people’s deposits at the same address and uses the Memo to tell them apart. A missing or wrong Memo can mean the deposit never arrives. At Bitfinex, for example, recovering a TON deposit without a memo costs US$150 and may take several months (Bitfinex fee page); WEEX also requires a note for TON deposits.
You paste the wrong address: a blockchain transfer cannot be reversed once sent. Some malware swaps the address in your clipboard, so check it after pasting.

If a transfer is confirmed on-chain but the exchange has not credited it, first use a block explorer to confirm that the transaction succeeded and that the address and network are correct, then contact support with the transaction ID. Do not send it again. The steps are in “USDT deposit delayed: what to do”.

What to check besides the fee

Minimum withdrawal: it differs by exchange and by network, and a small withdrawal may fall below the minimum. Go by the withdrawal page.
Confirmations on the receiving side: after on-chain confirmation, the exchange waits until its required number of confirmations before crediting the deposit, and this varies a lot between networks.
Withdrawal reviews and cool-down periods: after you add a new withdrawal address or change security settings, many exchanges temporarily restrict withdrawals, and large withdrawals may go to manual review.
Sending to your own cold wallet: confirm which networks the wallet supports. For long-term holdings, keep them in a cold wallet where you hold the private keys yourself; for how to check a wallet after you buy it, see the cold wallet checklist in “Ledger theft incident”.

For trading fees, VIP thresholds and invitation code fee discounts, see the “international exchange fee comparison”. For each exchange’s security and proof of reserves, see “How to choose a crypto exchange” and the individual reviews, such as the “OKX review”, “Binance review” and “Bitget review”.

Exchange invitation codes

These are the international exchanges in the table that offer an invitation code. Signing up with an invitation code gets you the official fee discount, and the percentages come from each exchange.

More articles are on the crypto topic page.

FAQ

Which network is cheapest for withdrawing USDT?

It depends on the exchange. In official data from 8 October 2026, BEP20 cost 0.01 USDT at Binance, Bitget, MEXC and Ourbit; TRC20, TON, Arbitrum and Polygon cost 0 at Bitfinex; Arbitrum cost about 0.0033 USDT at OKX. But the receiving side may not support the cheapest network.

What is the difference between TRC20 and ERC20?

TRC20 is USDT on the Tron chain and ERC20 is USDT on the Ethereum chain. They are assets on different chains, and their address formats differ too. Withdrawal fees are set by each exchange, and the same chain can cost several times more at one exchange than another: ERC20 is about 0.094 USDT at MEXC but 5.5 USDT at KuCoin.

What happens if I send USDT on the wrong network?

If the receiving side does not support the network you chose, you may not get the assets back. Even when an exchange is willing to help recover them, it usually charges a fee and takes a long time. Before sending, check that the receiving deposit page lists the same network, and for large amounts send a small test first.

Which networks need a Memo when depositing to an exchange?

TON is the most common. Bitfinex and WEEX both require a Memo (note) for TON deposits, for example. Without one the deposit may not arrive, and Bitfinex charges US$150 to help recover it. Whether you need one is whatever the receiving deposit page shows.

How long does a USDT withdrawal take to arrive?

On-chain confirmation usually takes a few seconds to a few minutes, but crediting also depends on the receiving side's required confirmations and its own process. In October 2026 I sent USDT from OKX to Bitfinex on Solana. It confirmed on-chain in two minutes, but because Bitfinex's Solana deposits were delayed, it was credited about 6 hours later.