Direct Bank Withdrawal (India)

1. Before you start

To unlock the direct bank withdrawal option, users in India must complete the KYC verification with Onramp.money.

To complete your KYC Verification:

1. Go to Settings in your Airtm account.
   
   

2. Open the Verification tab.
   
   

3. Under Special Features verifications, start your Onramp.money KYC verification and follow the on-screen steps.
   

2. Prerequisites

1. Local Indian phone number
    Only users with a verified Indian phone number in their Airtm account can access this feature.
   
   

2. KYC verification approved
    You can check your KYC status under:
    Settings → Verifications → Special Features.
   
   

3. 1st-party withdrawals only
    Funds can only be withdrawn to personal bank accounts under the same name as the Airtm account owner.
   
   

3. Starting a withdrawal

1. Log in to your Airtm account (web or app).
   
   

2. In the main menu, select Withdraw.
   
   

3. Choose country: India.
   
   

   • If your KYC is complete, you’ll see a note confirming that you can now use Direct Withdrawals.
     
     

   • If your KYC is not yet complete, this is where you’ll see the option to start or finish your verification with Onramp.money.
     
     

4. You’ll then see two withdrawal methods:
   
   

   • Peer-to-peer (P2P)
     
     

   • Onramp.money (Direct Bank Transfer)
     
     

4. Selecting Onramp.money

1. Select Onramp.money as your withdrawal method.
   
   

2. Enter the amount in USDC you want to withdraw.
    Airtm will instantly display the USDC → INR exchange rate so you can see exactly how much you’ll receive.

3. If this is your first time setting up a direct withdrawal, add your bank account details in this order:
   
   

   • Bank name

   • Alias: a name to identify your bank account.

   • Bank account number

   • IFSC code
     
     

4. If you already have a saved payment method, just select it.
   
   

5. Confirming the withdrawal

1. Double-check all details before confirming.
   
   

2. Confirm the transaction to send your withdrawal request.
   
   

3. You can track it under Activity, and you’ll also receive an in-app notification when it’s completed.
   
   

6. Processing time

• Most transfers are completed within minutes, but depending on your bank, the funds may take up to 2–3 business days to appear in your account.
  
  

7. Limits and support

• Limits: The same Airtm withdrawal limits apply. Check them under Settings → Limits.
  
  

• Conversion: Onramp.money automatically handles the conversion from USDC to INR at the rate shown before confirmation.
  
  

Support: If your withdrawal takes longer than 3 business days or fails, contact support@airtm.io