Funding, Withdrawals & Fees

This article covers how to load funds into your Tangem Pay account, how withdrawals work, what fees apply, and important warnings about supported tokens.

Which tokens are supported?

Tangem Pay currently supports USDC and USDT on the Polygon, Base, Arbitrum, and BNB Smart Chain networks.

Important: Each blockchain has a different wallet address. Only send supported USDC or USDT to the correct address and network.

Sending any other token or cryptocurrency, or sending a supported token to the wrong address or network, will result in the permanent and unrecoverable loss of your funds. Incorrectly sent funds cannot be retrieved, converted, or returned.

How can I add funds to my account?

Option A — Transfer directly from your Tangem Wallet

1. Open your Tangem Pay account.
2. Tap Add funds.
3. Tap From your Tangem Wallet.
4. Select the cryptocurrency and the wallet you want to transfer funds from.
5. Enter the amount you want to transfer and review the blockchain transaction fee.
6. Tap Transfer/Swap.
7. If you select a cryptocurrency other supported in Tangem Pay, you’ll be prompted to choose one of the available swap providers.
8. Confirm the transaction to sign it. For more information, see How to confirm actions in your wallet.

Note: USDT is displayed as USDT in your Tangem Pay account regardless of the network. In your Tangem Wallet, however, the token name may differ depending on the network. To receive USDT correctly, make sure you select the corresponding token in your Tangem Wallet.
 

Option B — Send from another wallet or exchange

1. Open your Tangem Pay account.
2. Tap Add funds.
3. Tap From another wallet or exchange.
4. You’ll see a list of available networks.

Fast options — These are networks supported by Tangem Pay. Tap a network to view and copy the corresponding deposit address.

Important: Only send USDC or USDT to the deposit address for the network you selected. Sending another cryptocurrency or sending USDC or USDT to the wrong network or address will result in the permanent and unrecoverable loss of your funds.

1. Copy the deposit address and paste it into the sending wallet or exchange. Make sure the selected network matches the network for the address you copied. Tokens received on different networks will be consolidated into your total Tangem Pay balance.

Other options — These are commonly used networks that are not directly supported by Tangem Pay. Tapping one of these networks will redirect you to the available swap options, allowing you to swap your assets to a supported network before transferring them to Tangem Pay.

Option C — Bank transfer

In some regions, you can fund your Tangem Pay account via bank transfer. Availability depends on the country where you verified your Tangem Pay account.

Currently, ACH and Fedwire transfers are supported. If bank transfers are available in your region, you’ll see the option in the app.

1. Open your Tangem Pay account.
2. Tap Add funds.
3. Tap Bank Transfer.
4. Tap Show details.
5. Wait for your banking details to be generated. This may take some time.
6. Once your account details are ready, share them with the sender or enter them on the sending platform.

Funds can be sent from either your personal bank account or a third-party account.

Once the transfer is completed, the funds will be converted to USDC and credited directly to your Tangem Pay account balance.

How do I withdraw funds?

Option A — Transfer directly to your Tangem Wallet

You can withdraw any available USDC or USDT to your Tangem Wallet at any time by tapping Withdraw in the app.

1. Open your Tangem Pay account.
2. Tap Withdraw.
3. Choose the available token you want to withdraw.
4. Choose the token you want to receive in your Tangem Wallet.

   • If you select a token you already hold in your Tangem Pay account: you can transfer it directly to your Tangem Wallet without swapping.

     Note: USDT is displayed as USDT in your Tangem Pay account regardless of the network. In your Tangem Wallet, however, the token name may differ depending on the network. To receive USDT correctly, make sure you select the corresponding token in your Tangem Wallet.

     Network	Name in Tangem Pay	Name in Tangem Wallet
     Polygon	USDT	USDT0
     BNB Smart Chain	USDT	Binance Bridged USDT
     Base	USDT	L2 Standard Bridged USDT (Base)
     Arbitrum	USDT	USDT0

      

   • If you select a cryptocurrency that you do not have in your Tangem Pay account: you’ll be prompted to choose from the available swap providers.
5. Confirm the transaction.

Option B — Bank transfer

In some regions, you can withdraw assets from your Tangem Pay account via bank transfer. Availability depends on the country where you verified your Tangem Pay account.

Currently, ACH and Fedwire transfers are supported.

If bank transfers are available for your region, you will see the option in the app. If your country is not supported, tapping Withdraw will automatically open the standard token swap screen instead.

1. Open your Payment account and tap Withdraw.
2. In the Bank transfer block, select To personal account, To business account, or tap a saved recipient tile.
3. Enter the withdrawal amount, verify the token (USDC + network), select your preferred transfer method (ACH or FedWire), and tap Continue.
4. For personal accounts only: Select whether the destination is Your account or a 3rd-party account.
5. Select the account type: Checking or Saving.
6. Enter the Recipient details:
   • Account number (the app will suggest previously used recipients as you type)
   • Routing number
   • First and Last name (or Company name for business accounts)
   • Full address (Country, Region/state, City, Address line 1, Postal code)
7. Enter the Bank details: Bank name, Bank region/state, Bank city, Bank address line 1, and Postal code.
8. Review the Confirm transfer screen, which displays the transfer summary and the total amount including fees. Tap the amount or details block if you need to make edits, then tap Send and confirm the transaction.

Note:

• Bank Location: The receiving bank must be located in the United States. ACH and FedWire are US-only payment systems. SWIFT transfers and non-US banks are not supported. The bank country is fixed to the US.
• Recipient Address: While the bank must be in the US, the recipient’s personal or business address can be in any country.
• Limits: There are no daily or monthly limits (only the $10,000 per-transaction cap).
• The transfer fee is added on top of your payout amount and debited from the same token balance (USDC). The recipient receives the exact USD amount you enter.

Example: If you send $500 via ACH, a total of $501 USDC will be deducted from your Payment Account. Your confirmation screen will display: “You are sending $501 including an ACH fee of $1”.

Once the transfer is confirmed

• Immediate Debit: The sent amount and fee are immediately deducted from your Payment account. Remaining funds remain available for immediate use.
• No Cancellation: Once scanned with your card, the transfer cannot be canceled.
• Status Tracking: In-app transfer status tracking (e.g., "In transit", "Completed") is currently not available. Funds arrive based on the chosen method's standard processing time.
• You cannot start a new withdrawal or token swap until the pending transfer finishes processing. Tapping Withdraw during this time displays a Withdrawal in progress message.

Saved Recipients

• Auto-saving: Recipients are saved automatically after your first successful transfer. You cannot manually save a recipient without completing a transfer.
• Viewing: Up to 3 saved recipient tiles show on the Withdraw screen. If you have more, tap See all to view and search an A–Z list by name or account number.
• Editing/Deleting: Saved recipients cannot be edited or deleted once saved.

Why is the Bank Transfer option disabled or unavailable?

The Bank transfer option may be grayed out, inactive, or hidden for the following reasons:

• Zero Balances: Tokens with a zero balance are hidden from the list.
• Unsupported Region: Bank transfers are only available if your KYC-verified country is supported. If your region is not supported, tapping Withdraw will automatically open the standard token swap screen instead of displaying the Bank Transfer option.
• No Supported USDC Balance: You must hold a positive balance of USDC on Polygon, Base, or Arbitrum. If you have zero USDC across these three networks, the Bank transfer block on the Withdraw screen will remain inactive.

Can I withdraw cash?

ATM withdrawals are available only at contactless-enabled ATMs.

Please note the following conditions:

• Plus plan: 2% fee on the withdrawal amount. For example, if you withdraw $100, $102 will be charged to your account.
• Basic plan: 4% fee on the withdrawal amount. For example, if you withdraw $100, $104 will be charged to your account.
• Maximum withdrawal per transaction: $250
• Maximum withdrawals: 3 per 24 hours

Note:

ATM withdrawals are available only for cards issued after March 10, 2026. In Apple Pay or Google Pay, the card must display either “Platinum” or “Signature” below the Visa logo. This label must be visible in Apple Pay or Google Pay, not in the Tangem app.

If your card was issued before March 10, 2026, or does not display the required label in Apple Pay or Google Pay, you’ll need to reissue the card through the Tangem app to enable ATM withdrawals.

Why can’t I withdraw my full balance?

If you are unable to withdraw your full balance, it may be because part of your balance consists of refunded funds, which remain in the card program and cannot be withdrawn. If you believe there is an error, contact pay@tangem.com with your wallet logs and a description of the issue.

Will I receive my crypto back if my purchase made with a Tangem Pay card is refunded?

Refunds work differently from withdrawals and this distinction is important to understand.

If a merchant issues a refund, the amount is returned to your card balance and will be available for spending again. However, it will not be returned to your on-chain USDC balance and cannot be withdrawn back to your wallet.

Additionally, your on-chain USDC balance and your card balance are not always identical. After a purchase, your on-chain balance may take up to 2 business days to update. During this window the two balances may differ — this is normal.

What fees apply to transactions?

There are no monthly account fees or standard transaction fees for using Tangem Pay.

The following charges may apply:

• Foreign exchange markups — if you make a purchase in a currency other than USD, Visa’s standard foreign exchange rates apply. When paying abroad, selecting the local currency at the terminal (rather than USD) typically results in lower fees.
• Polygon network gas fees — apply when you send USDC from your wallet to top up your Tangem Pay account. These are network fees, not charged by Tangem, and vary based on network conditions.
• ATM withdrawals — Plus plan: 2% fee on the withdrawal amount. Basic plan: 4% fee on the withdrawal amount.

A full fee schedule is provided during sign-up and is available in your cardholder agreement at paera.com.

What fees apply to bank transfers?

Basic Plan

• ACH transfers cost $1 and typically take up to 3 business days to complete.
• Fedwire transfers cost $11 and typically take up to 1 business day to complete.

Deposits to your Tangem Pay account:
The transfer fee is deducted from the amount received. Please note that the sender's bank may also charge additional fees when initiating the transfer.

• To receive $1,000 USDC via ACH: The sender should send $1,001.
• To receive $1,000 USDC via Fedwire: The sender should send $1,011.

This ensures the full $1,000 USDC is received after deducting the applicable fee.

Withdrawals from your Tangem Pay account:
The transfer fee is added to your payout amount and debited from your USDC balance. The recipient receives the exact USD amount you enter.

• Example: If you send $500 via ACH, a total of $501 USDC will be deducted from your Payment Account. Your confirmation screen will display: “You are sending $501 including an ACH fee of $1.”

Plus Plan

ACH and Fedwire transfers are free of charge, and no transfer fees are deducted from the amount received. However, please note that the sender’s bank may still charge additional fees when initiating the transfer.