How to send USDT to another wallet or exchange without mistakes
Step-by-step USDT transfer guide: choosing the network, checking the address, adding a memo, paying the fee and tracking the transaction so you do not lose funds.
1. Find out the recipient's network
Ask the recipient or check the exchange's deposit page to see which network it accepts USDT on: TRC20, ERC20, TON or another. Send only on that network.
2. Copy the address
Copy the full address from the recipient's wallet or exchange. Do not type it by hand or take it from old chats. After pasting, compare the first and last 4-6 characters.
3. Check the memo
Some exchanges require a memo (comment) for TON. If the deposit page has that field, copy it too.
4. Check the fee
Make sure your wallet holds the network coin for the fee: TRX for TRC20, ETH for ERC20, TON for TON. More in the lesson on network fees.
5. Send a test amount
For the first transfer to a new address, send a small amount and wait for it to arrive. A test fee is cheaper than a mistake.
6. Send the rest and save the hash
After a successful test, send the remainder. Save the transaction hash: it lets you find the transfer in a block explorer and prove it was made.
Network differences are covered in the lesson on TRC20, ERC20 and TON.
FAQ
What happens if I send USDT on the wrong network?
Funds can be lost or stuck. An exchange can sometimes return them for a fee, but there is no guarantee. That is why you check the network before sending.
What is a memo or tag?
An extra identifier that tells the exchange which account to credit. If the exchange requires it, funds will not be credited automatically without the memo.
How long does a USDT transfer take?
On TON and Tron usually from a few seconds to a couple of minutes, on Ethereum longer when the network is busy.
Updated October 6, 2026