In September 2026, there are three common ways to get USDT on Bybit: buying USDT through P2P, purchasing crypto directly with a bank card via One-Click Buy, or depositing USDT on-chain from another exchange or wallet. If you only have fiat currency, P2P or a bank card is usually more convenient. If you already hold USDT on Binance, OKX, Bitget, or a personal wallet, an on-chain deposit is generally more suitable.

If you do not have a Bybit account yet, you can register through the Bybit BYOFFICIAL referral link. The referral code is BYOFFICIAL. The BYOFFICIAL referral link includes a 33% trading fee discount. When combined with MNT fee deductions, you can receive up to 50% off spot trading fees and up to 40% off derivatives trading fees.

Bybit’s official funding guide currently divides the main funding methods into Crypto Deposit, One-Click Buy, and Fiat Deposit. One-Click Buy may offer bank cards, P2P, third-party payment providers, and fiat balances. The payment methods available to you depend on your location, fiat currency, and account eligibility.

1. What Are the Ways to Buy USDT on Bybit?

For most new Bybit users, USDT funding methods can be simplified into three main categories:

Bybit also offers Fiat Deposit, which allows you to deposit fiat directly into your Funding Account and then use your fiat balance to buy crypto. Whether fiat deposits incur fees depends on the currency and payment method, so fiat funding should not automatically be assumed to be free.

2. How to Buy USDT Through Bybit P2P

P2P is suitable for users who only have fiat currency and want to purchase USDT directly from a merchant. Bybit P2P supports multiple payment methods. According to Bybit’s current information, the platform may offer more than 80 payment methods, including card payments and instant bank transfers. However, the options available to you depend on your location and fiat currency.

The general process is as follows:

1. Log in to Bybit.
2. Go to Buy Crypto → P2P Trading.
3. Select Buy.
4. Choose USDT as the asset.
5. Select your fiat currency.
6. Filter merchants by payment method, price, limits, and merchant terms.
7. Enter the amount of USDT or fiat currency you want to purchase.
8. Review and confirm the order.
9. Complete the payment using the recipient information shown in the order.
10. Mark the order as paid inside Bybit after completing the payment.
11. Wait for the seller to confirm receipt of payment and release the USDT.
12. Check your Funding Account after the USDT arrives.

Bybit also offers P2P Express, which allows App users to avoid manually reviewing a large number of advertisements. The system helps recommend suitable counterparties. P2P Express is currently available only in the Bybit App, and fiat P2P transactions are processed through the Funding Account.

3. How to Choose a Safer P2P Merchant

You should not choose a P2P merchant based only on who offers the cheapest USDT. For new users, a merchant’s completion rate, transaction history, payment methods, order limits, and actual quoted price are more important.

Consider checking the following:

• The merchant’s historical order count;
• Order completion rate;
• Average release time;
• Whether the merchant has a verified or high-quality status on the platform;
• Minimum and maximum transaction amounts;
• Supported banks or electronic payment methods;
• Whether the payment account name matches the order information;
• The actual price per USDT rather than only the advertisement ranking.

P2P fees may vary depending on the fiat currency, merchant level, and advertisement type. Therefore, you should not assume that all Bybit P2P transactions will permanently have zero fees in September 2026. Always check the current fee information and the order details before confirming a transaction.

4. Can You Buy USDT Directly With a Bank Card on Bybit?

Yes, but availability depends on your country or region, card-issuing location, fiat currency, and current account eligibility. Bybit allows users to purchase crypto directly with a bank card through One-Click Buy. The latest bank card guide supports Visa and Mastercard for direct card purchases. Bybit’s bank card FAQ may also list other payment options, such as JCB and Apple Pay, but the options shown on your One-Click Buy page should be treated as the final reference.

The process is as follows:

1. Log in to Bybit.
2. Go to Buy Crypto → One-Click Buy.
3. Select your fiat currency.
4. Choose the cryptocurrency you want to buy, such as USDT.
5. Enter the purchase amount.
6. Select Bank Card as the payment method.
7. Add your bank card if you are using the service for the first time.
8. Enter your card number, expiration date, CVV, and other required information.
9. Enter your billing address if required.
10. Review the estimated exchange rate and total payment amount.
11. Complete bank verification or 3D Secure authentication.
12. Wait for the crypto to be credited.

Bybit requires the cardholder’s name to match the name verified through Bybit KYC. When linking a card for the first time, you may also need to provide a billing address, which should match the address registered with the card issuer.

5. Can Taiwan Bank Cards Be Used to Buy Crypto on Bybit?

According to Bybit’s currently published One-Click Buy supported-region list, Taiwan is included among the supported regions for Visa, Mastercard, and Apple Pay. However, this does not mean that every Taiwanese bank or every card will successfully process the payment. The result may also depend on the issuing bank’s policies regarding overseas transactions, crypto-related payments, 3D Secure, and risk controls.

Bybit’s bank card FAQ also requires cards to support international and online transactions, as well as 3D Secure. Corporate cards are currently not supported.

If your payment fails, check the following:

• Whether overseas transactions are enabled on the card;
• Whether online payments are allowed;
• Whether 3D Secure authentication was completed;
• Whether the KYC name matches the cardholder’s name;
• Whether the bank blocks crypto-related payments;
• Whether the card payment option is still displayed on the current One-Click Buy page.

6. How to Deposit USDT to Bybit On-Chain

If you already hold USDT on another exchange or wallet, you do not need to buy USDT again. You can transfer it directly to Bybit through an on-chain deposit. Bybit’s deposit guide explains that a Crypto Deposit transfers crypto assets from an external wallet or another exchange to Bybit through a blockchain network.

The process is as follows:

1. Log in to Bybit.
2. Go to Assets → Deposit.
3. Select USDT.
4. Choose the network you plan to use.
5. Review the minimum deposit amount and network-specific instructions.
6. Copy the USDT deposit address displayed by Bybit.
7. Open the sending exchange or wallet.
8. Select USDT withdrawal or Send.
9. Select the exact same network as the one selected on Bybit.
10. Paste the Bybit deposit address.
11. Confirm the address, network, amount, and withdrawal fee.
12. Enter the correct Memo or Tag if required.
13. Complete security verification and submit the transfer.
14. Wait for blockchain confirmations and Bybit crediting.

Bybit advises users to use only assets and networks supported by the platform. Different assets may have different minimum deposit amounts and deposit procedures. Depending on local regulations, some users may also need to complete Travel Rule-related wallet address verification.

7. Which Network Should You Use for USDT?

Do not start by asking which network is “best.” First confirm that both the sending platform and Bybit support the same network. If the networks do not match, your assets may not be credited correctly even if both sides use USDT.

Consider these four factors:

• Whether the sending platform supports the network;
• Whether Bybit supports the network;
• The actual withdrawal fee charged by the sending platform;
• The minimum deposit amount and expected arrival time.

Withdrawal fees vary by platform and network conditions. Therefore, do not treat old figures such as “this network always costs 1 USDT” as permanent rules.

8. Which Is Cheaper: P2P, Bank Card, or On-Chain Deposit?

No single method is always the cheapest in every situation. The key comparison is how much you actually spend to receive 1 USDT.

For bank card purchases, Bybit One-Click Buy may charge different fees depending on the fiat currency and payment method. Therefore, do not focus only on convenience while ignoring the final exchange rate.

An on-chain deposit is not a purchase in which Bybit sells USDT to you, so there is no purchase price spread from Bybit. The main costs usually come from the sending platform’s withdrawal fee or blockchain-related costs. For users who already hold USDT, this is often the first option worth comparing.

9. Where Does USDT Arrive, and How Do You Start Trading?

USDT deposited on-chain is usually credited to the Funding Account by default. Bybit allows users to change the default deposit destination to the Funding Account, Unified Trading Account, or Earn Account. If no changes are made, the deposit generally goes to the Funding Account.

Bybit’s Funding Account guide also states that Crypto Deposits are credited to the Funding Account. If needed, users can configure automatic transfers to the Unified Trading Account.

After your USDT arrives, the process can be understood as follows:

P2P or on-chain deposit → Funding Account → Transfer to Unified Trading Account when needed → Spot or other eligible trading products

If you plan to trade spot markets and want to reduce fees further, the BYOFFICIAL referral link includes a 33% trading fee discount. When combined with MNT fee deductions, you can receive up to 50% off spot trading fees and up to 40% off derivatives trading fees.

If you do not have a Bybit account yet, register through Bybit BYOFFICIAL, then choose P2P, bank card, or on-chain deposit according to your source of funds.

10. Frequently Asked Questions About Buying USDT on Bybit

What is the Bybit referral code for September 2026?

The Bybit referral code used in this article is BYOFFICIAL. The referral registration link is Bybit BYOFFICIAL.

What fee discount does BYOFFICIAL provide?

Register through the BYOFFICIAL referral link to receive a built-in 33% trading fee discount. When combined with MNT fee deductions, you can receive up to 50% off spot trading fees and up to 40% off derivatives trading fees.

How can I buy my first USDT on Bybit if I do not own any crypto?

Check Bybit P2P, bank card purchases through One-Click Buy, or Fiat Deposit options available in your region. The available method depends on what is displayed in your Bybit account.

Can I use a bank transfer for Bybit P2P?

Yes, depending on your fiat currency and location. Bybit P2P supports multiple payment methods, including certain instant bank transfer options.

Does Bybit P2P always have zero fees?

Not necessarily. P2P fees may vary depending on the fiat currency, merchant level, and advertisement type. Always refer to the current P2P fee page and the order details.

Can I buy USDT on Bybit with Visa or Mastercard?

Bybit currently offers bank card purchases through One-Click Buy, and the latest guide explicitly supports Visa and Mastercard. Whether USDT is available depends on your location, fiat currency, and the assets displayed on the current purchase page.

Is KYC required to buy crypto with a bank card?

Yes. Bybit’s One-Click Buy FAQ states that users must complete individual identity verification to use One-Click Buy.

Can I transfer USDT directly from Binance to Bybit?

Yes. Binance and Bybit must both support the same USDT network, and you must select exactly the same network on both platforms.

Does Bybit charge a deposit fee for on-chain deposits?

The main cost usually comes from the withdrawal fee charged by the sending platform or blockchain gas fees. Whether Bybit applies any additional fees, minimum deposit requirements, or special conditions should be checked on the actual Deposit page. Always confirm the minimum deposit amount and relevant rules before transferring.

Why can’t I trade immediately after my USDT arrives?

If the funds are in your Funding Account and you want to use a product connected to the Unified Trading Account, you may need to transfer the funds internally first. Bybit also allows users to configure deposits to be routed automatically to the Unified Trading Account.

In September 2026, you can choose how to prepare USDT on Bybit based on your source of funds: if you only have fiat, use P2P or a bank card; if you already hold USDT, use an on-chain deposit. For P2P, focus on the merchant and actual execution price. For bank cards, focus on payment fees and exchange rates. For on-chain deposits, focus on the network, address, and withdrawal fee charged by the sending platform.

If you do not have a Bybit account yet, register through the Bybit BYOFFICIAL referral link. The referral code is BYOFFICIAL. The BYOFFICIAL referral link includes a 33% trading fee discount. When combined with MNT fee deductions, you can receive up to 50% off spot trading fees and up to 40% off derivatives trading fees. P2P payment methods, supported bank card regions, fiat currencies, deposit networks, and fees may change. Always rely on the real-time information displayed in your Bybit account in September 2026.