Overview
You can send USDC from your Bancoli Web 3 Wallet to an external wallet address on Base or Ethereum.
There is no Bancoli transfer fee for this.
You pay $0. Bancoli sponsors the blockchain network (gas) fees for supported outgoing USDC transfers, subject to the sponsorship limits below.
This article covers USDC wallet sends only. It does not apply to bank payouts such as ACH or wire.
Quick answer
Destination | Bancoli fee | Network (gas) fee |
|---|---|---|
USDC on Base | $0 | Sponsored by Bancoli (limits apply) |
USDC on Ethereum | $0 | Sponsored by Bancoli (limits apply) |
What this applies to
This fee treatment applies when you:
Hold USDC in your Bancoli Web 3 Wallet (self-custodial Smart Wallet), and
Send that USDC to an external EVM wallet address (
0x…) on Base or Ethereum.
Self-custodial USDC send/receive in Bancoli is supported on Base and Ethereum.
Note: Your Smart USD balance is a combined USD-equivalent view of eligible USDC, USDi, and USDT in your self-custodial wallet. It is not a separate traditional fiat “USD bank account.” To send USDC on-chain, you need sufficient USDC available in the Web 3 Wallet for the network you choose.
What you pay
Bancoli platform / transfer fee
$0 to send USDC from the Web 3 Wallet to an external Base or Ethereum wallet
No percentage conversion fee for a plain USDC-to-USDC on-chain send
No flat transaction fee for this method in the standard fee schedule
Network (gas) fees
All outgoing gas fees for supported USDC transfers are sponsored by Bancoli
You are not charged for gas when sponsorship is available
Incoming USDC deposits do not require gas sponsorship on your side
Gas sponsorship limits
Sponsorship is not unlimited. If you hit a limit, the transfer may not go through until the policy resets.
Base
Limit | Amount |
|---|---|
Max operations | 10 per user |
Per-user sponsored cap | $100 USD |
Global sponsored cap | $1,000 USD |
Reset | Daily |
Ethereum
Limit | Amount |
|---|---|
Max operations | 5 per address |
Reset | Every 10 minutes |
How long does a send take?
Times are estimates until the transfer is confirmed on-chain:
Network | Estimated settlement time |
|---|---|
Base | ~15 minutes |
Ethereum | ~15 minutes |
Actual time can vary with network conditions.
Before you send
Confirm you have enough USDC balance in the Web 3 Wallet.
Confirm the recipient address is a valid 42-character
0x…EVM address.Confirm the network (Base vs Ethereum) matches the recipient’s wallet.
Complete Coinbase 2FA approval when prompted.
Double-check the address and network — on-chain transfers cannot be reversed or cancelled once submitted.
Related fees (not the same product)
These are different payout methods and use different fees:
Method | Typical fee (standard plans) |
|---|---|
Outgoing USD ACH | $1 on Free and Plus; $0 on Premium and above |
Outgoing Fedwire / domestic wire | $25 |
Local FX payouts | FX conversion fee by currency and plan monthly allowance |
Sending USDC to a Base or Ethereum wallet is not ACH or wire pricing.
Enterprise accounts may have custom fee agreements that override the default schedule.
FAQs
Is there a fee to send USDC from Bancoli to MetaMask / Coinbase Wallet / another 0x address?
No. For supported Web 3 Wallet USDC sends on Base or Ethereum, Bancoli does not charge a transfer fee, and gas is sponsored within the limits above.
Do I pay different fees for Base vs Ethereum?
No platform fee difference. Both are $0 transfer fee. Gas sponsorship rules differ by network (see limits above).
Are fees charged when I receive USDC?
Receiving USDC into the Web 3 Wallet is treated as 0% conversion fee and $0 transaction fee under the standard program fee treatment for USDC held as USDC. You still need to use the correct network and token.
Why is my Smart USD balance not the same as “USDC I can send”?
Smart USD can include USDC, USDi, and USDT. Only USDC on a supported network can be sent as a USDC on-chain transfer. Convert or fund USDC first if needed.
Can I cancel a USDC send?
No. Once the transaction is submitted to the blockchain, it cannot be reversed or cancelled.
Where can I see official pricing for other products?
See Bancoli Pricing and your account dashboard fee schedule. Enterprise pricing may be set in your agreement.
Need help?
If a transfer fails, check:
Balance and network
Address format
Gas sponsorship limits
Coinbase 2FA approval
If the transaction is confirmed on-chain but not reflected in Bancoli, use the block explorer link in your wallet history and contact Support with the transaction hash.