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USB flash drive: USB 3.2, speed, real capacity, FAT32 or exFAT

2 November 2026 6 min read
USB flash drive: USB 3.2, speed, real capacity, FAT32 or exFAT

USB 3.0, 3.1 and 3.2 Gen 1 are the same speed, the big number is a read speed, and a 64 GB drive shows 59 GB by simple arithmetic. What to check before buying, and how to set up a drive for a TV or car radio.

Contents
  1. USB 2.0, 3.0, 3.1, 3.2: many names, few speeds
  2. Read and write: the big number is the read speed
  3. Why a 64 GB drive shows less
  4. Fake high-capacity drives
  5. USB-A, Type-C or dual drive
  6. FAT32, exFAT, NTFS: the file system decides what fits
  7. On a TV or a car radio
  8. Our advice by use

Two 64 GB USB flash drives can copy the same folder in two minutes and in twenty. Once plugged in, the drive shows less than 64 GB, refuses a 6 GB film or is ignored by the car radio. All of this is on the label if you know what to look for: the USB standard, the write speed, the connector and the file system.

USB 2.0, 3.0, 3.1, 3.2: many names, few speeds

The names changed several times for the same speeds. A drive sold as USB 3.0, USB 3.1 Gen 1 or USB 3.2 Gen 1 has exactly the same interface, rated at 5 Gbit/s.

Name on the packOther namesInterface rate
USB 2.0Hi-Speed480 Mbit/s, or 60 MB/s
USB 3.2 Gen 1USB 3.0, USB 3.1 Gen 15 Gbit/s
USB 3.2 Gen 2USB 3.1 Gen 210 Gbit/s
USB 3.2 Gen 2x2none20 Gbit/s

The interface rate is a ceiling, not the speed of the drive. The memory inside sets the pace. A USB 2.0 drive never goes past 60 MB/s and in practice stays well below. An entry-level USB 3.2 Gen 1 drive reads at around 100 to 150 MB/s, far from 5 Gbit/s.

Compatibility works both ways. A USB 3.2 drive works in a USB 2.0 port, at USB 2.0 speed. On a PC, USB 3 ports often have a blue tab inside, though this is not a fixed rule.

Read and write: the big number is the read speed

The up to 150 MB/s printed on the pack is a read speed. That is the case for the SanDisk Ultra Flair 128 GB, rated up to 150 MB/s read, or the Kingston DataTraveler 50 in 64 GB, up to 110 MB/s.

The write speed, copying to the drive, is often missing from the spec sheet. On entry-level drives it is clearly lower than the read speed. If you often copy large folders to the drive, that is the figure that matters, and a USB 3.2 drive is still much faster than a USB 2.0 one on this point.

Two more things affect real speed:

  • Thousands of small files, such as photos and documents, copy much more slowly than one large file of the same total size.
  • The port: plugged into a USB 2.0 port or a hub, a fast drive drops to USB 2.0 level.

To carry a few Word or PDF files, a USB 2.0 drive like the Kioxia TransMemory U202 32 GB is enough. For videos, backups or installation files, take a USB 3.2 Gen 1 drive.

Why a 64 GB drive shows less

The maker counts in base 10: 1 GB = 1,000,000,000 bytes. Windows counts in base 2: one GB on screen is 1,073,741,824 bytes. A drive of 64 billion bytes therefore shows 59.6 GB at most, then a little less after formatting, which reserves room for the file table.

Roughly what Windows shows:

  • 32 GB: about 29 GB
  • 64 GB: about 58 to 59 GB
  • 128 GB: about 115 to 119 GB
  • 256 GB: about 230 to 238 GB

A much larger gap calls for a test.

Fake high-capacity drives

A fake drive claims 1 or 2 TB and shows that capacity in the file explorer, but holds only 8 or 16 GB of real memory. Once that memory is full, new files overwrite old ones or become unreadable.

To check a new drive, run a full write test: H2testw on Windows or F3 on Linux and macOS fill the drive and then read back every byte. Do it before you put any data on it. Warning signs: a very high capacity with no known brand, a misspelled maker name, a pack with no model reference. Memory cards have the same problem, see our guide to microSD speed classes.

USB-A, Type-C or dual drive

The USB-A connector is the large rectangular port on desktop PCs, TVs and car radios. Most drives are still USB-A, like most of our USB flash drives.

Type-C is the small reversible port on recent Android phones, iPhones with a USB-C port and many thin laptops. A dual drive, like the SanDisk Ultra Dual Drive Go Type C 32 GB, has both a USB-A and a Type-C connector. It lets you offload photos from a phone and plug them into a PC with no cable. The phone must support OTG, which most recent Android phones do. The models we carry are grouped under USB Type C flash drives.

The shape matters too. A nano drive like the SanDisk Ultra Fit 64 GB barely sticks out of the port, so it can stay plugged into a laptop, a TV or a car radio. A cap protects the connector in a pocket, a capless metal body means nothing to lose.

FAT32, exFAT, NTFS: the file system decides what fits

  • FAT32: read by almost everything, including older TVs and car radios. Limit: a single file cannot exceed 4 GB. A 6 GB film is refused with a disk full message while the drive is nearly empty.
  • exFAT: no practical file size limit, read and written by recent Windows and macOS. The right choice for a drive that moves between a PC and a Mac with large files.
  • NTFS: the Windows format. macOS reads it but cannot write to it without extra software.

To see the current format, right-click the drive in the file explorer, then Properties. To change it, right-click, then Format. Formatting erases everything, so copy your files elsewhere first.

On a TV or a car radio

These devices have their own limits, and they are written in the manual under USB or multimedia.

  • File system: many car radios only read FAT32. Some TVs read exFAT or NTFS, others do not.
  • Maximum capacity: some car radios refuse drives above 32 GB. A 32 GB USB flash drive in FAT32 avoids the issue.
  • Speed: playing music or a film needs little bandwidth, and the ports on these devices are often USB 2.0. A USB 3.2 drive does not play any faster there, it mostly fills up faster on the PC.
  • Recording: a TV that records programmes to a drive reformats it in its own format. Back up its content first.

Our advice by use

  • Documents, school work, printing at a copy shop: 32 GB is enough, USB 2.0 or 3.2. The Kioxia U202 with its cap does the job.
  • Everyday use, phone photos and videos: a 64 GB USB flash drive in USB 3.2 Gen 1, for example the Kingston DataTraveler Exodia 64 GB.
  • Backups, films, installation files: 128 or 256 GB in USB 3.2 Gen 1, formatted in exFAT, like the Kingston DataTraveler Exodia M 256 GB.
  • Phone to PC: a dual USB-A and Type-C drive, after checking that the phone supports OTG.
  • Car or TV: a nano drive that stays plugged in, in FAT32, 32 or 64 GB depending on the device limit.

A USB flash drive is not an archive. Keep a second copy of anything that matters on another medium.

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