How to Send USDT From Trust Wallet to Another Wallet (TRC20 and BEP20)

Musa owes his cousin 150 USDT. The cousin sends a deposit address on WhatsApp with one word underneath: "BEP20." Musa's USDT is in Trust Wallet. He opens it, sees two lines that both say USDT, and stops. Which one? Will the address work for either? And why does the app keep mentioning BNB?

Sending USDT from Trust Wallet takes about a minute once you know the two checks that matter. Here they are, then the steps, then what to do when it doesn't go through.

The two-question check before you press Send

1. Which network does the receiver expect? USDT runs on several networks, and Tether lists every network it issues USDT on. The one you send on has to match the one the receiver is watching. Where to find it:

Sending to	Where the network is shown
KWIQ	On the USDT deposit screen, next to the address
An exchange	On its USDT deposit page, where you pick the network before it shows the address
A friend's Trust Wallet	On their Receive screen, as the label on the USDT they opened
A client or merchant	Ask them to write it down, for example "USDT, BEP20 (BNB Smart Chain)"

2. Do you have the fee coin? Trust Wallet pays the network fee from your own balance, in the network's own coin: TRX for TRC20, BNB for BEP20, ETH for ERC20. It has to be in the same wallet and on the same network. If that's new to you, read why you need TRX or BNB to send USDT first.

Musa's answer: the cousin wants BEP20, so he needs the USDT with the BNB Smart Chain label, and a little BNB on BNB Smart Chain to pay for it.

Step by step: sending USDT from Trust Wallet

1. Open the right USDT. Tap the USDT whose label matches the receiver's network. If you hold USDT on two networks, they're separate balances.
2. Tap Send.
3. Paste the address, or scan the receiver's QR code. Don't type it.
4. Check the first and last five characters against the address the receiver sent you.
5. Enter the amount. Using Max is fine for USDT itself, because the fee is paid in TRX, BNB or ETH, not USDT.
6. Read the confirm screen. It shows the network fee and the network. If the fee is more than your TRX or BNB balance, top up before you go on.
7. Confirm. The transfer appears in the USDT history straight away, first as pending and then as completed.

First time sending to this address? Send a small amount first, wait until the receiver confirms it arrived, then send the rest. The extra fee is cheap insurance.

Sending to an exchange, a friend or KWIQ

The steps are the same; what you check differs a little.

• To an exchange. Copy the address from its deposit page after choosing the network. Exchanges sometimes ask for a memo on certain coins. For USDT on TRON or BNB Smart Chain they usually don't, but if the deposit page shows one, enter it exactly. Our guide to memos and destination tags explains why.
• To a friend's self-custody wallet. TRON addresses start with T; BNB Smart Chain and Ethereum addresses start with 0x and look identical. That's why the network name matters more than the address when sending to a 0x address.
• To KWIQ. Open your USDT wallet in the app, copy the deposit address and use exactly the network the screen shows. If you're unsure whether KWIQ takes a particular network, see how to check which coins and networks KWIQ accepts.

Not sure an address is valid at all? Paste it into our crypto address checker, which tells you which network the format belongs to.

After you send: tracking it

Tap the transaction in your USDT history to see the transaction ID. Copy it and paste it into the network's explorer, Tronscan for TRC20 or BscScan for BEP20, or use our USDT transaction checker, which looks it up for you. You're checking four things: the status is confirmed, the token is real Tether USDT, the amount is right, and the "to" address is the one you were given. How to check a USDT transfer on Tronscan and BscScan covers each in detail.

If the explorer says confirmed but the receiver can't see it, the problem is on their side: usually the wrong network or a token they haven't switched on. Send them USDT not showing in your wallet.

When the transfer won't go through

What you see	What it usually means	What to do
"Not enough TRX" or "insufficient BNB for gas"	No fee coin, or not enough of it	Add a little TRX or BNB to the same wallet on the same network
"Insufficient balance" although you hold USDT	Your USDT is on a different network from the one you opened	Open the USDT with the other network label
"Invalid address"	The address belongs to another network, for example a T address in BEP20 USDT	Ask the receiver for the right address and network
Transfer shows "failed"	On TRON, it ran out of energy partway through; the TRX used isn't refunded	Top up more TRX than the estimate and try again

Already sent on the wrong network? Don't send more. Copy the transaction ID and read sent crypto to the wrong network for what can and can't be recovered.

Sending USDT to KWIQ to get naira

If the "another wallet" you're sending to is your own KWIQ wallet, the transfer is the first half of a cash-out. Once the deposit is confirmed, sell it for naira (crypto-to-naira swaps on KWIQ have zero fees, and the app shows the naira amount before you confirm), then withdraw to any Nigerian bank account. The full route is in Trust Wallet to Nigerian bank, and today's figure is on the USDT to naira rate page.

New to Trust Wallet itself? Start with how to use Trust Wallet in Nigeria.

Next time, it takes a minute

Match the network, keep a little TRX or BNB in the wallet, paste instead of typing, and test new addresses. That's the whole skill. When you want naira, download the KWIQ app and keep your deposit address ready, or create a free account on the web if your phone is short on space.