BNB from Trust Wallet

Move BNB from Trust Wallet to a Nigerian bank account

Q: What if I sent BNB on the wrong network?

Email support@monica.ng with the transaction hash and the amount. Recovery is not always possible, which is why the network in Trust Wallet must match the one next to your Monica address. Trust Wallet cannot reverse a confirmed transfer either, so check the label before you confirm.

Trust Wallet holds your BNB but it cannot pay naira into a bank account. Send the BNB on BNB Smart Chain to your Monica BNB address and the naira is paid to any Nigerian bank on NIBSS within 60 seconds of the network confirming. No swap to another coin first, no P2P buyer, no chat. Monica never sells crypto; it only turns the BNB you already hold into naira.

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BNB from Trust Wallet to nairaNo swap, no P2P

TrustYour Trust WalletSend BNB on BNB Smart ChainYou send

Your Monica BNB addressPermanent address, BEP20 (BNB Chain)Converts on confirmation

Your Nigerian bankEvery bank on NIBSSWithin 60s of confirmation

Fare on this route₦0 on the Monica side

Free BNB deposits0% conversion fee0% bank withdrawal feeTrust Wallet shows the network fee before you confirm

Leg 01Send

Five steps, one screen each

There is no sell button in Monica and you never type an amount. The BNB arrives from Trust Wallet, the naira goes out to your bank. You do not need the swap feature in Trust Wallet, and you do not need to turn the BNB into USDT or Bitcoin first.

ScreenWhat you do

Copy your Monica BNB address

Open the Monica app, tap BNB and copy the deposit address. Monica accepts BNB on BEP20 (BNB Chain), and the network is printed next to the address so you can match it in Trust Wallet. The address is permanent, so the same one works every time you send.

Tap BNB in Trust Wallet

On the Trust Wallet home screen, tap BNB. Trust Wallet lists it under BNB Smart Chain, which is the same network as BEP20 in Monica. If you have more than one BNB entry, use the one whose network label matches what Monica showed. Choose the same network in both apps.

Tap Send and paste the address

Tap Send, paste your Monica BNB address into the recipient field and enter the amount. Check the first four and last four characters against the Monica app before you go on. Leave a little BNB behind, because the network fee on BNB Smart Chain is paid in BNB itself.

Review the network fee and confirm

Trust Wallet shows the network fee before you confirm. It is a small amount of BNB and it goes to the network, not to Trust Wallet or Monica. Confirm with your passcode or fingerprint and Trust Wallet broadcasts the transfer.

Wait for BNB Smart Chain to confirm

BNB Smart Chain usually confirms within a few minutes. Monica credits the naira as soon as the network confirms the transfer and pays it into your bank within 60 seconds of the network confirming. You can watch the deposit arrive in the Monica app.

Naira reaches your bank within 60 seconds of the network confirming

Leg 02Before you send

Before you press send

Trust Wallet is a self custody wallet: it holds the keys, you hold the BNB, and nobody can pay naira into your bank from inside it. The bank payout happens after the BNB leaves Trust Wallet and reaches Monica. Four things to check first.

Network

Which network?

Trust Wallet sends BNB on BNB Smart Chain. Monica receives BNB on BEP20 (BNB Chain), which is the same network under a different label. Monica lists every network it accepts for each coin in the app and on the supported networks page. If you ever hold BNB that Trust Wallet lists under another network, do not send that one. Choose the same network in both apps, and send a small amount the first time.

Cost

What it costs

Trust Wallet does not add its own fee to a plain transfer; you pay the BNB Smart Chain network fee it shows before you confirm. On the Monica side the fees are 0% conversion fee, 0% bank withdrawal fee, flat $2 deposit fee on Bitcoin only, free deposits on the other six coins. BNB is one of the six, so a BNB deposit costs nothing on Monica. The fees page lists every charge.

Limits

Minimum and verification

The minimum deposit is $5 worth of crypto, shown in the Monica app. Verification is NIN plus a selfie, done once before your first payout. Trust Wallet has no verification of its own because it is a self custody wallet; the identity check happens on the Monica side, where the naira is paid out to a bank account in your name.

Rate

What your BNB balance becomes

Trust Wallet shows your BNB balance in dollars at the market price, not in naira. The naira you receive is set by the live rate at the moment the network confirms your deposit. The Monica app and the rate calculator show that rate before you send, so you know the naira figure in advance.

Leg 03Questions

Questions people ask

How do I convert BNB in Trust Wallet to naira?

Trust Wallet has no naira payout, so you send the BNB out. Copy your Monica BNB address, tap BNB in Trust Wallet, tap Send, paste the address and confirm. Monica converts the BNB at the live rate when BNB Smart Chain confirms and pays the naira into your Nigerian bank within 60 seconds of the network confirming.

Which network do I use to send BNB from Trust Wallet?

BNB Smart Chain. Trust Wallet lists BNB under that network and Monica receives it as BEP20 (BNB Chain), which is the same chain. Match the network label shown next to your Monica address and choose the same network in both apps. A small test send the first time costs very little and removes the doubt.

Is there a deposit fee for BNB on Monica?

No. BNB deposits are free on Monica, along with USDT, USDC, ETH, SOL and TRX. Only Bitcoin deposits carry a flat $2 fee. Conversion to naira is 0% and the bank withdrawal is 0%. The only cost on the route is the BNB Smart Chain network fee, which Trust Wallet shows before you confirm.

Do I need to convert BNB to Bitcoin or USDT in Trust Wallet first?

No. Monica accepts BNB directly, so there is no reason to swap it into Bitcoin or USDT before sending. A swap adds a second network fee and a price spread for nothing. Send the BNB as it is to your Monica BNB address and the naira is paid to your bank.

What is a BNB wallet?

A BNB wallet is any wallet that holds a BNB Smart Chain address, such as Trust Wallet. It stores the keys to your BNB; it does not hold naira. Your Monica BNB address is also a BNB wallet address, with one difference: BNB that arrives there is converted and paid out to your bank.

How much naira will I get for my BNB?

The Monica app shows the live BNB to naira rate before you send, and the rate calculator on this site shows the same figure. The amount you receive is fixed at the moment BNB Smart Chain confirms your deposit, with 0% taken for conversion and 0% taken for the bank withdrawal.

Can I send ETH from Trust Wallet instead of changing it to BNB?

Yes. Monica accepts ETH on its own, with free deposits, so there is no need to change Ethereum to BNB first. Tap ETH in Trust Wallet, send it on the Ethereum network to your Monica ETH address, and the naira follows the same route to your bank once Ethereum confirms.

What if I sent BNB on the wrong network?

Email [email protected] with the transaction hash and the amount. Recovery is not always possible, which is why the network in Trust Wallet must match the one next to your Monica address. Trust Wallet cannot reverse a confirmed transfer either, so check the label before you confirm.

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Move your Trust Wallet BNB to naira today

Free BNB deposits, 0% conversion fee, 0% bank withdrawal fee. Naira in your bank within 60 seconds of the network confirming.