# Offramping \[Move crypto out to the team'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.

Then offramp either by clicking *Offramp* on the Dashboard, or from Settings > Banks: click the three dots on the target bank account and select *Offramp*.

Offramps carry the 0.25% [banking fee](/banking), deducted from the amount. To send fiat to a bank account that isn't yours, see [Paying vendors](/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 team already has an offramping provider, you can offramp through it instead, without completing Splits' [entity verification](/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](/contacts), then [send](/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.