> For the complete documentation index, see [llms.txt](https://docs.bankly.cc/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.bankly.cc/wallet/send-and-withdraw.md).

# Send & Withdraw

Move money out of your Bankly balance two ways: an instant transfer to another Bankly user, or a crypto withdrawal to an external wallet.

{% hint style="info" %}
Both flows draw from your wallet **Total balance** — the funds you deposited. This is separate from any individual card balance. See [Portfolio](/wallet/portfolio.md).
{% endhint %}

## Send to a Bankly user

Send to anyone on Bankly using their account email. Transfers are instant and stay inside Bankly.

1. Open **Send** from your wallet.
2. Enter the recipient's Bankly account email.
3. Enter the amount.
4. Review the details and confirm.

The funds leave your **Total balance** and arrive in the recipient's balance right away.

{% hint style="warning" %}
Double-check the email before you confirm. Send only to people you know and trust — internal transfers move instantly.
{% endhint %}

## Withdraw crypto to an external wallet

Move funds out of Bankly to a crypto wallet you control.

1. Open **Withdraw** from your wallet.
2. Choose the asset — USDC, USDT, BTC, ETH, SOL, or BNB.
3. Select the network for that asset.
4. Paste the destination wallet address.
5. Enter the amount and confirm.

Once the network confirms the transaction, the withdrawal is final.

{% hint style="danger" %}
Always verify the **address and network** before confirming. Crypto sent to the wrong address or on the wrong network cannot be recovered. If you're unsure which network to use, check the receiving wallet or exchange first.
{% endhint %}

## Fees

* **Bankly-to-Bankly transfers** are instant and internal.
* **External withdrawals** may carry a network fee, which depends on the asset and network you choose. The fee is shown before you confirm.

## Before you send

* Make sure your **Total balance** covers the amount.
* For external withdrawals, confirm both the **address** and **network** match the receiving wallet.
* Review the on-screen summary — every transfer is final once confirmed.

Track your balances and transaction history anytime in [Portfolio](/wallet/portfolio.md).


---

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