What is Smart Transfer and how does it work?

Last updated: April 24, 2026

Smart Transfer lets you send crypto from an external wallet or exchange (such as Binance, Kraken, or MetaMask) to a dedicated crypto deposit address that’s linked to a bank account in OneSafe.

When funds arrive at that address, OneSafe automatically converts the crypto and deposits the funds into the linked bank account — no manual steps required.

As long as the crypto is sent to the Smart Transfer address, it will be processed and delivered to the recipient’s bank account.

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Supported rails, tokens, and networks

  • Bank rails: ACH, SEPA, SPEI, Pix, FPS, BRE-B, COP Bank Transfer

  • Tokens: USDC, USDT

  • Networks: Ethereum, Arbitrum, Base, Polygon, Avalanche, Optimism, Solana, Stellar, Tron

Available options are shown when you view Smart Transfer details for a recipient from your Address Book.

SEPA limitations

For SEPA Smart Transfers, only USDC deposit addresses are supported. USDT is not available for SEPA at this time.

Pricing

Smart Transfers follow standard OneSafe pricing.

For example:

A USDT Smart Transfer via ACH includes:

  • 0.15% ACH fee

  • 0.10% USDT surcharge

  • Total fee: 0.25%

Full pricing details are available on the Pricing page.

Related articles

👉 How do I create a Smart Transfer recipient?

👉 Can I add Smart Transfer details to an existing recipient?