BTC → XMR: where to swap

Updated 22 September 2026 · compiled by the editorial team from the services' own pages

Where to swap Bitcoin for Monero without opening an account, what each service asks for and what decides the amount you actually receive. The market rate below is a reference; the final number is named by the service at the quote step.

BTC → XMR swaps one asset for another without going through a stablecoin. Two volatile sides mean the quote is held for a shorter window — that is where a fixed rate earns its small premium.

Leaving Bitcoin usually means the wait is over rather than the price is wrong — each move costs the most in fees, so it is done rarely and in size.

Monero is taken for privacy: amounts and addresses are hidden by the protocol itself, not by a policy someone can change.

Minimum for BTC: 0.001 BTC. Networks: Bitcoin out, Monero in — check the network your wallet supports before you send.

How this swap goes

1. Pick BTC → XMR and the amount. The quote is for that amount: a larger transfer can get a different one.
2. Give the receiving address on the right network — Monero for XMR. The same coin on another network is another address.
3. Send from your wallet. Confirmations are the network's job, not the service's: under load the wait grows.
4. The payout arrives at your address. Nothing stays on an account anywhere — there is no account.

This pair in numbers

Networks and timing for this pair

Sending BTC takes about 10 minutes per confirmation, and the fee is the highest of the coins here at busy hours. The payout in XMR settles in about 2 minutes; its fee is low and is deducted from what you receive. Bitcoin confirmations are slow by design, so a floating rate has the most time to move while the transfer waits. Monero hides amounts and addresses, so a swap cannot be traced back the way a Bitcoin one can — expect AML rules to be stricter on the way out.

What changes the amount you get

• The network fee is deducted at payout. On XMR over Monero it is the smallest part of the deal; over ERC-20 at a busy hour it can be the largest.
• The rate type. A floating rate follows the market until confirmation, a fixed one is locked — see which to choose.
• The minimum. Just above it the fixed network fee takes a painful share — see why.

Verification and AML

A standard swap here needs no identity check. A transfer that trips AML rules is held and verification is requested — every service in the table states this before you send, and this guide explains what it means in practice.

Questions about BTC → XMR

How long does BTC → XMR take?

Sending BTC takes about 10 minutes per confirmation, and the fee is the highest of the coins here at busy hours. The payout in XMR settles in about 2 minutes; its fee is low and is deducted from what you receive. Bitcoin confirmations are slow by design, so a floating rate has the most time to move while the transfer waits. Monero hides amounts and addresses, so a swap cannot be traced back the way a Bitcoin one can — expect AML rules to be stricter on the way out. In practice the whole swap is the sum of those two waits plus the seconds the service needs in between.

What is the smallest BTC amount that makes sense?

The service minimum is 0.001 BTC, but «makes sense» is higher: just above the minimum the fixed network fee of XMR takes a visible share of the payout. Why that happens.

Do I need an account to swap BTC for XMR?

Not with the services in the top of the table — they move coins from your wallet to your wallet and hold nothing in between. Verification appears only when a transfer trips AML rules.

Nearby directions

• BTC → USDT
• ETH → USDT
• SOL → USDT
• BNB → USDT
• LTC → USDT
• USDT → TRX