Over the last few years, more crypto users have become extremely careful about where they keep their money. With scams, hacks, and exchange shutdowns making headlines, crypto thefts have already topped $2.17 billion by mid-2025. Many people now prefer holding their assets in self-custody wallets like Atomic Wallet for better control and security. However, while moving to a private wallet feels safer, a new problem often shows up: withdrawing your crypto into your local bank account becomes confusing. A lot of people who recently switched from exchange wallets now realise that the process isn’t as straightforward as clicking a “withdraw” button. New crypto users who just bought their first tokens are also stuck at the same point of “How do I cash out?” And then, some have tried withdrawing before but ran into technical issues like choosing the wrong network or paying unexpectedly high fees.
In this article, we’ll break down how to withdraw from Atomic Wallet to a bank account smoothly, safely, and without unnecessary mistakes. You’ll learn how the withdrawal process actually works, what options Atomic Wallet supports, the limitations you should expect, and the best alternatives to use if direct withdrawal isn’t available.
Table of Contents
Can you withdraw from Atomic Wallet directly to a Bank Account?
You cannot withdraw from Atomic Wallet straight to your bank account because the wallet does not work like a traditional exchange. Atomic Wallet is a self-custody wallet, which helps you keep and manage your crypto, but it does not handle direct fiat withdrawals. There is no “sell to bank” button inside the app, and Atomic Wallet has no license to convert crypto into cash or send money to banks. To cash out, you must move your crypto from Atomic Wallet to a platform that supports selling crypto for fiat, like an exchange or a crypto payment service. That platform will convert your coins to cash and then send the money to your bank. Even though you want to cash out from Atomic Wallet to a bank account, the real process must pass through a service that supports crypto-to-fiat conversion.
How to Cash Out from Atomic Wallet to a bank account in 6 steps
- Open your Atomic Wallet and choose the coin you want to cash out
Open the app and go to your list of cryptocurrencies. Pick the exact token you want to convert to money. Make sure you check the network it uses so you avoid sending the wrong version of a coin. - Send the coin to a crypto exchange that supports bank withdrawals
Atomic Wallet cannot send money straight to a bank, so you need a trusted exchange. Popular options include Binance, Coinbase, Kraken, or any verified local exchange in your region. Copy your deposit address from the exchange and paste it into Atomic Wallet. - Select the right network and move your funds
When sending from Atomic Wallet, choose the network your exchange supports. Many users make mistakes here. For example, if your exchange only supports ERC20, you must choose the ERC20 version in Atomic Wallet. After that, enter the amount you want to cash out and confirm the transfer. - Wait for the deposit to show on the exchange
Blockchain transfers are not instant. Your coins will arrive after the network confirms the transaction. You can check the progress inside Atomic Wallet or on the blockchain explorer. - Sell your crypto for your local currency
Once your funds reach the exchange, go to the trading or convert section and sell the coin. The exchange will convert it to your local money and show the balance in your fiat wallet. - Withdraw your cash to your bank account
Go to the withdraw or cash-out section on the exchange. Choose bank transfer and enter your bank details if you have not saved them. Then, confirm the withdrawal. Your bank should receive the money based on the time frame your exchange uses.
5 Best Crypto Exchanges to Withdraw Crypto from Atomic Wallet
Bitpanda
Bitpanda is great when you want to move funds from your wallet into a real bank account. You first send your crypto from Atomic Wallet to your Bitpanda wallet. After the deposit shows, you sell the crypto for cash in your Bitpanda account. From there, you send the money to your bank with a SEPA transfer. SEPA cash-outs have no extra fee. When you swap coins on Bitpanda, the cost is already added to the price you see. You still pay a blockchain fee when sending crypto from Atomic Wallet to Bitpanda. If you want simple crypto to fiat on Atomic Wallet, Bitpanda makes the cash-out step easy once the crypto gets to your account.
Changelly
Changelly works more as a swap service than a full exchange. You use it when you want to change your coins into something easier to sell on another platform. For example, you can swap your token into USDT or another coin, then send it to an exchange that supports bank withdrawals. Changelly takes a 0.25% fee for swaps. You also pay a blockchain fee for the network you use. It does not handle bank transfers for every region. It stands as a place to convert your token into a better option before withdrawing it somewhere else.
Gemini
Gemini is a regulated exchange that helps you move from crypto to cash with fewer steps. You send your crypto from Atomic Wallet to your Gemini wallet. Once it lands, you sell it for the cash currency you use. You can withdraw with bank transfer options like ACH, which has no fee. Wire transfers have a $25 fee. Deposits of crypto into Gemini are free. If you ever withdraw crypto from Gemini, the network fee changes based on the blockchain.
Coinbase
Coinbase is one of the easiest platforms for beginners. After you get crypto out of my Atomic Wallet and into Coinbase, you sell it into your cash balance. ACH withdrawals in the U.S. have no fee. Some other withdrawal methods, like card cashouts, can have extra costs. When you convert crypto inside Coinbase, the price you see may include a small spread or a fee. These costs show before you confirm.
MEXC
MEXC is a trading exchange that also supports bank withdrawals in some regions. You move your crypto from Atomic Wallet to your MEXC deposit address. After it arrives, you sell it into a fiat currency like EUR. You can then withdraw the cash through SEPA. There is no set fee for SEPA cash-outs. Limits include up to €20,000 per transaction and up to €200,000 per day. If you withdraw crypto instead of cash, you pay a network fee. Some users must finish extra verification before using bank withdrawals.
What Fees Should You Pay When Withdrawing Assets from Atomic Wallet to a Bank Account?
When you want to move funds from Atomic Wallet into your bank, there are a few fees you should expect along the way. First, you pay a network fee, also called a gas fee. This is not charged by Atomic Wallet. It goes to the blockchain you are sending your crypto through, and the cost depends on how busy the network is. Next, you deal with a swap or exchange fee if you need to convert your crypto into a coin that a cash-out service or exchange supports. This fee can change based on the token and the platform you pick. After that, if you move your funds to a centralised exchange to complete the withdrawal, you may pay a deposit fee, withdrawal fee, or both, depending on that exchange’s rules. Some banks also charge a receiving fee when funds land in your account, especially for international payments.
FAQs
Can I Link My Bank Account Directly to Atomic Wallet?
You cannot connect your bank account to Atomic Wallet, because it’s a self-custody wallet built for storage, swaps, and basic crypto actions, not for bank payments. It has no feature that connects to banks or supports cash-out functions inside the app. Since it does not hold your money or process fiat transactions, it cannot handle bank withdrawals. To move money to your bank, you must send your crypto from Atomic Wallet to an exchange or service that supports cash-out. From there, you can transfer funds from Atomic Wallet to a bank through the approved withdrawal option on that platform.
How Long Does it take to Cash out Funds from Atomic Wallet to My Bank?
Cashing out from Atomic Wallet to your bank can take a few minutes to several hours. First, you swap your crypto, then you send it to an exchange that supports bank withdrawals. The exchange processes your cashout, and the final deposit time depends on your bank and payment method.
What is the Easiest Way to Withdraw Money from Atomic Wallet?
The easiest way to withdraw money from Atomic Wallet is to send your crypto to a trusted exchange that supports cash withdrawals, then withdraw to your bank account. This works best because exchanges handle the conversion for you, provide clear steps, and remove the stress of network or token issues.
Conclusion
Now, you understand how to withdraw from Atomic Wallet to bank account without stress, how each step works, and which tools make it smoother. Knowing this process helps you move your money with convenience and protect your funds at every step. Keep fees, networks, and the limits of Atomic Wallet in mind. Remember to also check how different countries set local rules for crypto cash-outs and what applies in your region.
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