# Offramping

Move crypto out to the workspace's bank accounts

Before you can offramp, add a bank account from [Settings > Banks](https://app.splits.org/settings/team/banks/): connect a US account with [Plaid](https://plaid.com/) or enter its routing and account numbers manually; EU accounts are added by IBAN. You can add as many bank accounts as you wish.

To offramp, open *Send* and choose your bank account as the recipient. You can also go to Settings > Banks, click the three dots on the target bank account, and select *Offramp*; this opens *Send* with that bank account selected.

## Exact bank amount

Enter the fiat amount you want the bank to receive in *Recipient gets*. The app increases the token amount sent to cover the 0.25% [banking fee](https://splits.org/docs/banking), so the bank receives the amount entered. For example, to receive $1,995.00, the account sends 2,000.00 USDC: $5.00 covers the fee.

The review step shows the amount sent, the fee, and the amount the bank receives before you confirm. The minimum amount the bank can receive is $10 or €10.

To offramp to someone else's bank account, see [Paying vendors](https://splits.org/docs/banking/paying-vendors).

## Settlement

In the US, we send via [Same Day ACH, which settles in batches throughout the day](https://apidocs.bridge.xyz/platform/orchestration/more/cutoffs#processing-windows-and-cutoff-times). In Eastern Time, settlement occurs at 1:00 pm, 5:00 pm, and 6:00 pm, with corresponding cutoffs at 9:15 am, 1:30 pm, and 3:30 pm (we've added a 15m buffer relative to Bridge's documentation, which has been necessary in our experience). Offramps sent after 3:30 pm ET arrive the following business day.

For IBAN banks supporting SEPA Instant, settlement occurs in under 30 seconds.

## Using your own provider

If your workspace already has an offramping provider, you can offramp through it instead, without completing Splits' [entity verification](https://splits.org/docs/banking#getting-verified). Most providers issue a **liquidation address**: a deposit address that converts incoming stablecoins to fiat and forwards them to your bank account. Save that address as a [contact](https://splits.org/docs/contacts), then [send](https://splits.org/docs/transactions/sends) stablecoins to it like any other recipient.

Splits treats these as ordinary sends: the 0.25% banking fee and the settlement times above don't apply; your provider's own fees and timing do.