Trust Wallet: How to Set It Up, Receive and Send USDT

Step 1: Install the real app

Trust Wallet says to download it only from official sources:

• iPhone: the Apple App Store
• Android: Google Play
• Browser extension and desktop: trustwallet.com/download

Before you install, check that the developer name is "Trust Wallet". Never install it from a link someone sent you in a message, a social media post or an email: fake copies of the app exist to steal your phrase.

Step 2: Create a new wallet

1. Open the app and tap Create a New Wallet. ("Import" is only for restoring a wallet you already have.)
2. Set a PIN. It's stored only on your phone: Trust Wallet can't see it or reset it. If you forget it, the only way back in is to restore the wallet with your secret phrase.
3. Turn on Face ID or fingerprint if you want, or skip it.

Your wallet is ready. But don't receive any money until you've done step 3.

Step 3: Back up your secret phrase (don't skip this)

The app no longer forces the backup during setup, so do it yourself right away:

1. Tap the wallet name at the top of the home screen.
2. Tap the three dots (⋮) next to it.
3. Choose Manual and enter your PIN.
4. Write the 12 words on paper, in order.

How to keep it safe, according to Trust Wallet:

• Paper, not your phone: no screenshot, no notes app, no email.
• At least two copies in two different safe places.
• Never share it. Anyone who has the 12 words has all your money. Trust Wallet support will never ask for it.
• Never type it into a website or pop-up. The only place it goes is the official app, when you restore your own wallet.

Trust Wallet also offers an optional encrypted backup to Google Drive or iCloud, protected by a password you choose. If you use it, pick a strong password that is different from your Google or iCloud password, and still keep a paper copy.

Step 4: Receive USDT (pick the right network)

1. On the home screen tap Receive.
2. Search for USDT and choose the version on the network you'll use:
   • TRC20: USDT on Tron
   • BEP20: USDT on BNB Smart Chain (your BNB Smart Chain address is your BEP20 address)
   • ERC20: USDT on Ethereum
3. Copy the address or show the QR code.
4. On the exchange, go to Withdraw → USDT, paste the address and choose exactly the same network.

Trust Wallet warns that the addresses on BNB Smart Chain, Ethereum and Polygon look alike, and that sending on the wrong network can mean the funds never show in your wallet. Check the network name, not just the address. First time? Send a small test amount, then the rest.

For some exchanges (Binance and Coinbase, for example), Receive also has a Deposit from Exchange option that connects your exchange account so you don't copy the address by hand. It isn't available for every coin or exchange.

Withdrawal guides: Binance · OKX · Bybit. Not sure which network? USDT networks explained.

Step 5: Send USDT

1. Open USDT on the network you hold it on and tap Send.
2. Paste the recipient's address and enter the amount.
3. Check the address again, and make sure the other side accepts USDT on this same network.
4. If the receiving exchange shows a memo or tag, enter it (USDT on TRC20, BEP20 and ERC20 usually doesn't need one).
5. Look at the network fee on the confirmation screen, then tap Confirm.

Blockchain transfers can't be reversed. A wrong address or network can mean the money is lost.

The network fee: why you need TRX or BNB

Every network charges its fee in its own coin, and the fee goes to the network, not to Trust Wallet:

Trust Wallet's rule: even when you send USDT, you need some of the network's own coin. If you don't have enough, the transfer fails. There are two exceptions to know:

• Tron: Trust Wallet rents "energy" for you through Tronify when it's cheaper, so the fee can be paid in TRX or USDT, whichever costs less at that moment. The total shows before you confirm. If you don't have enough of either, the transfer fails.
• BNB Smart Chain, Ethereum, Arbitrum, OP Mainnet and Base: with FlexGas you can tap Network Fee and pay in USDT, USDC or TWT instead of BNB or ETH. The token has to be in the same wallet.

The simple way: when you withdraw USDT from the exchange, also withdraw a little TRX (for TRC20) or BNB (for BEP20) to the same wallet.

Is Trust Wallet safe?

Here's what Trust Wallet says about security on its official page:

• The keys stay on your device: Trust Wallet never accesses or stores your private keys. They're encrypted on your phone and protected by your PIN and biometrics.
• No personal data needed: creating a wallet doesn't require a sign-up or an email address.
• Independent audits: outside security firms audit its products, and its core cryptography library, Wallet Core, is open source.
• Security Scanner: it warns you about known phishing sites and suspicious contracts before you sign anything.
• ISO/IEC 27001 and ISO/IEC 27701 certifications for information security and privacy.

The part that's up to you matters most: whoever knows your secret phrase can take all your money, and nobody can reverse a transfer or recover a lost phrase. Most losses come from fake apps and fake support, covered in the next section.

Avoid fake apps and phrase theft

These are the scams Trust Wallet warns about most:

• Fake apps: copies on unofficial sites or third-party app stores. Install only from the official stores or trustwallet.com/download.
• Fake support: people on Telegram, WhatsApp, Discord or X who say they're Trust Wallet support and ask for your phrase. Trust Wallet doesn't contact users on WhatsApp or by X direct messages.
• Look-alike sites: addresses like trustwalet.com instead of trustwallet.com.
• Tokens you never bought: don't sell, swap or send them, and don't visit the site they point to. You can hide them.
• A wallet someone "gives" you with a balance in it: some are shared wallets where the scammer holds a second key, so you can never move the money out. Always create your own wallet in the official app.

If someone ever learns your phrase, create a new wallet right away and move your funds to it.

How do I cash out from Trust Wallet?

Trust Wallet is only a wallet: there are no buyers in it who can pay you in your currency. The way to do it is to send your USDT to your exchange account, then sell it there on P2P.

1. On the exchange (Binance, for example): Deposit → USDT → choose the network (TRC20 or BEP20) and copy the address. How to deposit on Binance.
2. In Trust Wallet: open USDT on the same network → Send → paste the address → check the fee → Confirm. Make sure you have TRX or BNB for the fee (see the fee section above).
3. Wait for the USDT to arrive in your exchange account.
4. Sell it on P2P for your currency, get paid to a bank account or e-wallet in your own name, and only release the crypto once you see the money in your account. How to withdraw from Binance.

By country: Egypt (Vodafone Cash and InstaPay) · Saudi Arabia · Iraq · Syria.

Frequently asked questions

Is Trust Wallet free?

The app is free. You only pay the network fee when you send, and it goes to the blockchain, not to Trust Wallet.

Which network should I use to receive USDT in Trust Wallet?

The one the sending exchange also supports. TRC20 (Tron) and BEP20 (BNB Smart Chain) are the usual choices. Compare the fee on the exchange's withdrawal screen.

I have USDT but can't send it. Why?

Usually the fee. On Tron, you need enough TRX or USDT to cover it; on BNB Smart Chain, BNB (or USDT with FlexGas). Check the fee on the confirmation screen.

I forgot my PIN. What now?

Trust Wallet can't see or reset it. The only way back in is to restore the wallet with your 12-word secret phrase.

Can Trust Wallet get my money back?

No. It doesn't hold your funds or your phrase, so it can't recover a lost phrase or reverse a transfer.

Can I send money from Trust Wallet straight to my bank account?

No. Send the USDT to your account on an exchange like Binance, then sell it on P2P to a buyer who pays into your bank account or e-wallet.

Trust Wallet or a hardware wallet?

Trust Wallet is a free app on your phone. A hardware wallet like Ledger or Trezor keeps the keys on a separate device. See Ledger or Trezor.

Related guides

• How to send USDT to someone
• Move USDT to a Ledger or Trezor
• What is USDT?

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Last updated: 22 October 2026 · Sources: Trust Wallet's official help center (support.trustwallet.com), its official download and security pages, and Binance's deposit and P2P selling pages. Button names may differ slightly with your app version.