Buying USDT with UPI is one of the most searched topics for crypto traders who want speed and convenience. In this 2025 guide, we analyze whether you can buy Tether directly with UPI, the associated fees, and the safest platforms to use.
Can I Buy USDT with UPI?
India’s real-time payment system. But does it support crypto? The answer depends on your location and platform. Generally, direct purchases might be restricted, so P2P (Peer-to-Peer) markets are often the best route.
Pros and Cons of Using UPI
- Pros: Free, Instant, Universal in India
- Cons: India only
Step-by-Step Guide
- Choose a Platform: We recommend Bybit P2P or Binance P2P as they have high liquidity for UPI.
- Filter Ads: Go to the P2P section and select ‘USDT’ as the asset and ‘UPI’ as the payment method.
- Select a Merchant: Look for a verified merchant with a high completion rate (>95%).
- Trade: Enter the amount, confirm the trade, and send funds via your UPI account.
- Release: Once the seller confirms receipt, the USDT will be released to your wallet.
Fee Breakdown
| Fee Type | Cost |
|---|---|
| UPI Transfer Fee | Zero |
| P2P Platform Fee | Usually 0% for takers |
| Exchange Rate Spread | Varies (1-5%) |
Risk Assessment: Low
Using UPI carries a Low risk level. Always ensure you are trading on a reputable escrow platform to avoid scams.
