> ## Documentation Index
> Fetch the complete documentation index at: https://docs.agentcard.sh/llms.txt
> Use this file to discover all available pages before exploring further.

# withdraw

> Withdraw money from the balance to a bank account or a crypto address.

<Note>Renamed from `withdraw_wallet` in July 2026; the old name keeps working until August 20, 2026.</Note>

Requests a withdrawal from the user's spendable balance — to their saved bank account, or as USDC on Base to an address they provide. Transfers are processed manually by the Agentcard team, usually within 1-3 business days; the user is emailed when the request is received and again when it's sent. The agent should always confirm the amount and destination with the user before calling this.

## Parameters

| Parameter             | Type   | Required | Description                                                                                                                                                 |
| --------------------- | ------ | -------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `amount_cents`        | number | Yes      | Amount in cents, like `2500` for $25.00. Range: $2.00 to \$10,000.00.                                                                                       |
| `recipient_id`        | string | No       | Bank rail: the saved account to pay (`wrec_...`). Omit it and the tool lists the saved accounts — one match is used directly, several ask the user to pick. |
| `destination_address` | string | No       | Crypto rail: a `0x` address on Base to receive USDC. When set, the withdrawal goes on-chain instead of to a bank.                                           |

## Returns

A confirmation with the withdrawal reference (`wd_...`) and the expectation that it lands within 1-3 business days. Open requests hold the balance, so `insufficient_funds` replies include how much is actually available right now.

If the user has no saved bank account and no `destination_address` was given, the response points at [create\_withdrawal\_recipient](/companies/mcp/tools/create_withdrawal_recipient) first. Agentcard-managed addresses are rejected as crypto destinations. If the company the user connected through has disabled withdrawals, the response says so.

## Example

```json theme={null}
{ "name": "withdraw", "arguments": { "amount_cents": 2500 } }
```

```json theme={null}
{ "name": "withdraw", "arguments": { "amount_cents": 2500, "destination_address": "0xAb5801a7D398351b8bE11C439e05C5B3259aeC9B" } }
```