Move USDT from Trust Wallet to a Nigerian bank account
Trust Wallet holds your USDT but has no naira cash out of its own. Send the USDT to your Monica address, on the same network in both apps, and the naira reaches your Nigerian bank within 60 seconds of the network confirming. Free USDT deposits, 0% conversion fee, 0% bank withdrawal fee.
How do you convert USDT to naira on Trust Wallet?
You do not convert inside Trust Wallet. Open the USDT balance in Trust Wallet, tap Send, paste your Monica USDT address, choose the network that matches the one you picked in Monica, and confirm. Trust Wallet sends the USDT, the network confirms, and the naira lands in any Nigerian bank on NIBSS within 60 seconds of the network confirming. Monica charges 0% conversion fee and 0% bank withdrawal fee, and USDT deposits are free.
- Free USDT deposits, 0% conversion fee, 0% bank withdrawal fee
- Naira is paid within 60 seconds of the network confirming
- Minimum deposit is $5 worth of crypto
- Choose the same network in both apps
Six screens from Trust Wallet to your bank
There is no sell button in Trust Wallet and none in Monica. You send the USDT, Monica converts it the moment the network confirms, and the naira goes out to the bank account you saved in the app. Once the network confirms, there is nothing else to tap.
Copy your Monica USDT address
Open the Monica app, tap USDT and pick the network you will send on. Monica shows a separate address for TRC20, ERC20, BEP20 and Solana. Copy the one that matches where your USDT sits.
Open USDT in Trust Wallet
In Trust Wallet, tap the USDT balance you want to move. If you hold USDT on more than one network, each one shows as its own line with the network name under it.
Tap Send and paste the address
Paste your Monica address into the recipient field. Compare the first four and last four characters with what Monica shows before you go any further.
Check the network label
The network under the USDT line in Trust Wallet must be the one you picked in Monica. Tron in Trust Wallet is TRC20 in Monica, Ethereum is ERC20, BNB Smart Chain is BEP20, and Solana carries the same name in both apps.
Enter the amount and confirm
Trust Wallet shows the network fee before you confirm. You need a little of the network's own coin in the same wallet to pay it: TRX on Tron, ETH on Ethereum, BNB on BNB Smart Chain, SOL on Solana.
Wait for the network to confirm
Monica converts the USDT at the live rate at the moment the network confirms, and the naira reaches your bank within 60 seconds of the network confirming. Nothing else to tap.
Before you press confirm in Trust Wallet
Trust Wallet is a self custody wallet. It keeps your keys on your phone and sends coins wherever you point it, but it does not hold naira and cannot pay a Nigerian bank. That is why people search for how to convert USDT to naira on Trust Wallet and find no button for it. The naira part happens on the receiving side, and four things decide whether it goes smoothly.
Which network to send on
Trust Wallet lists USDT on Tron, Ethereum, BNB Smart Chain and Solana, and Monica accepts USDT on all four. Most USDT held in Nigeria sits on Tron because its network fee is usually small, and that is the one labelled TRC20 in Monica. Whatever you hold, the rule is the same: choose the same network in both apps. USDT sent on a network Monica does not show for that coin may not be recoverable.
What it costs
Trust Wallet does not add a fee of its own on a send. You pay the network fee, shown on the confirm screen, in the network's coin. On Monica there is 0% conversion fee and 0% bank withdrawal fee, and USDT deposits are free. Bitcoin is the only coin with a deposit fee on Monica, a flat $2.
How much you can send
Anything from $5 worth of USDT upward converts. Sellers moving $5,000 or more at a time can use the high volume desk for a named contact and a locked quote.
Set up Monica once
Verification on Monica is your NIN plus a selfie, done once in the app. Add the bank account you want paid, any Nigerian bank on NIBSS, before you send so the naira has somewhere to go. After that, every USDT deposit from Trust Wallet pays out on its own.
Questions people ask
How do I get USDT out of Trust Wallet into naira?
Copy your Monica USDT address, open USDT in Trust Wallet, tap Send, paste the address, check that the network matches, enter the amount and confirm. Monica converts the USDT when the network confirms and pays the naira into your saved bank account within 60 seconds of the network confirming. You never type an amount in Monica.
Can I convert USDT to naira inside Trust Wallet?
No. Trust Wallet holds your keys and sends coins. It does not hold naira and it does not pay into Nigerian bank accounts. The conversion happens on the receiving side, which is why you send the USDT to your Monica address and let Monica handle the naira part.
Can I send USDT TRC20 from Trust Wallet to Monica?
Yes. In Trust Wallet the coin shows as USDT with Tron under it. In Monica, tap USDT and choose TRC20 to get the matching address. Keep a small amount of TRX in the same Trust Wallet to pay the Tron network fee, or the send will not go through.
How much does Trust Wallet charge to send USDT?
Trust Wallet does not add a fee of its own on a send. You pay the network fee, shown on the confirm screen and paid in the network's coin: TRX on Tron, ETH on Ethereum, BNB on BNB Smart Chain, SOL on Solana. On the Monica side USDT deposits are free, with 0% conversion fee and 0% bank withdrawal fee.
Can I transfer USDT from Trust Wallet to a bank account directly?
Not in one step. A bank account cannot hold USDT, only naira. The route is one hop: USDT from Trust Wallet to your Monica address, then naira from Monica to your bank. The bank credit comes from Monica's settlement account, not from another person, so there is no stranger's transfer on your statement.
What is USDT TRX?
USDT TRX, USDT Tron and USDT TRC20 all mean the same thing: Tether issued on the Tron network. It is the same dollar token as USDT on Ethereum or BNB Smart Chain, only the network it moves on differs. Monica shows a separate address for each network, so pick TRC20 when your Trust Wallet USDT sits on Tron.
Which wallets support USDT TRC20?
Trust Wallet, TronLink and the wallets built into the large exchanges can all hold and send USDT on Tron. Monica receives USDT TRC20, so any of them can send to your Monica address. The sending wallet needs TRX for the network fee. Monica does not, because on Monica you only receive.
What if I sent on the wrong network?
Email [email protected] with the transaction hash and the network you used. Recovery is not always possible, and it is never possible on a network Monica does not show for USDT, which is why the network label in Trust Wallet must match the label in Monica before you confirm.
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Move your Trust Wallet USDT to naira today
Free USDT deposits, 0% conversion fee, 0% bank withdrawal fee. Send on the same network in both apps and the naira is in your bank within 60 seconds of the network confirming.
0% bank withdrawal feeArrives60safter the network confirms