Move Bitcoin from Trust Wallet to a Nigerian bank account
Trust Wallet holds your Bitcoin but it cannot pay naira into a Nigerian bank. Send the BTC to your Monica address instead and the naira reaches your bank within 60 seconds of the network confirming, with no buyer, no chat and no swap in between.
Five steps, one screen each
There is no sell button and no amount to type in Monica. You do everything from the Send screen in Trust Wallet: the Bitcoin arrives at your Monica address, Monica converts it at the live rate, and the naira goes out to the bank account you verified with your NIN plus a selfie.
People search for how to convert, trade or exchange Bitcoin to naira on Trust Wallet, and the honest answer is that Trust Wallet cannot do it by itself. It is a self custody wallet: it stores your keys and sends coins, but it has no naira account and no Nigerian bank payout. The step that turns BTC into naira happens on an off ramp, and Monica is one. You keep using Trust Wallet to hold Bitcoin; you use Monica only for the moment you want cash in your bank.
Copy your Monica BTC address
Open the Monica app, tap Bitcoin and copy the address. It is a permanent address on the Bitcoin mainnet, one per coin, so you can reuse it every time you cash out.
Open Bitcoin in Trust Wallet and tap Send
On the Trust Wallet home screen tap Bitcoin, then Send. Paste your Monica address, or tap the scanner and point it at the QR code in the Monica app.
Check the network and the address
Trust Wallet sends native Bitcoin on the Bitcoin network, which is what your Monica BTC address expects. Do not pick a wrapped version of Bitcoin on another chain. Compare the first and last characters of the pasted address with the one in Monica.
Enter the amount and confirm
Type the amount in BTC or in dollars. Trust Wallet shows the network fee before you confirm; a higher fee usually means a faster confirmation. The minimum deposit on Monica is $5 worth of Bitcoin.
Wait for the Bitcoin network to confirm
Bitcoin confirmations usually take 10 to 30 minutes. Monica credits naira at the live rate the moment the network confirms and the money reaches your bank within 60 seconds of the network confirming.
Before you press send in Trust Wallet
Which network?
Bitcoin only travels on the Bitcoin network, and that is the network your Monica BTC address lives on. Trust Wallet also lists tokens that track the Bitcoin price on other chains; those are different assets and will not reach a BTC address. If a screen asks you to pick a network, choose the same network in both apps.
What it costs
Monica charges 0% conversion fee and 0% bank withdrawal fee. Bitcoin deposits carry a flat $2 fee because Bitcoin transactions cost more to process than the other coins; USDT, USDC, ETH, SOL, TRX and BNB deposits are free. Trust Wallet shows the Bitcoin network fee on the confirm screen, and you pay that to the network when you send.
Why the clock starts later for Bitcoin
A USDT send on Tron confirms in about a minute. Bitcoin is slower: the network needs to include your transaction in a block and add confirmations, which usually takes 10 to 30 minutes. The 60 second payout clock only starts once the network confirms, so a Bitcoin cashout is a 30 minute job, not a 60 second one.
How much to send
The minimum deposit on Monica is $5 worth of crypto. Trust Wallet lets you type the amount in BTC or in dollars; either way, check the live naira rate on the Monica calculator first so you know roughly what will land. The rate is set at the moment the network confirms, not when you tap send.
Questions people ask
How do I send Bitcoin from Trust Wallet to Monica?
Open the Monica app, tap Bitcoin and copy your BTC address. In Trust Wallet, tap Bitcoin, tap Send, paste the address or scan the QR code in Monica, enter the amount and confirm. Trust Wallet broadcasts the transaction and Monica credits naira once the Bitcoin network confirms it.
How long does a Bitcoin withdrawal from Trust Wallet take?
Trust Wallet broadcasts your send as soon as you confirm it. Bitcoin confirmations usually take 10 to 30 minutes, depending on the network fee you chose and how busy the blockchain is. Once the network confirms, the naira reaches your bank within 60 seconds. Weekends and public holidays make no difference.
Is there a fee to withdraw Bitcoin from Trust Wallet to naira?
Two costs. Trust Wallet shows the Bitcoin network fee before you confirm the send, and that fee goes to miners, not to Trust Wallet or Monica. On the Monica side, Bitcoin deposits carry a flat $2 fee, then 0% conversion fee and 0% bank withdrawal fee. The other six coins have free deposits.
Can I convert a crypto wallet balance to cash in Nigeria?
Yes. Any self custody wallet, Trust Wallet included, can send crypto to your Monica address. Monica converts it at the live rate when the network confirms and pays naira to any Nigerian bank on NIBSS. You keep your Trust Wallet and your seed phrase; only the coins you send leave it.
Do I need to swap BTC to USDT or ETH in Trust Wallet first?
No. Trust Wallet has a swap feature, but using it adds a second network fee and a price spread you do not need. Monica accepts Bitcoin directly. Send the BTC as it is and Monica converts it to naira at the live rate when the Bitcoin network confirms the deposit.
Why does Trust Wallet show my Bitcoin in dollars and not naira?
Trust Wallet shows a dollar value as a reference and has no naira payout of its own. Monica quotes the live naira rate in the app and on the rate calculator before you send, and the rate locks at the moment the network confirms your deposit, so the dollar figure in Trust Wallet is only a guide.
What if I sent on the wrong network?
Monica's BTC address accepts Bitcoin on the Bitcoin network only. If you sent a wrapped or tokenised version of Bitcoin on another chain, email [email protected] with the transaction hash. Recovery is not always possible, which is why you should choose the same network in both apps before you confirm.
Related pages
Move your Trust Wallet Bitcoin to naira today
Flat $2 Bitcoin deposit fee, 0% conversion fee, 0% bank withdrawal fee. Naira in your bank within 60 seconds of the network confirming.
0% conversion, 0% withdrawalArrives60safter the network confirms