Swap Bitcoin (BTC) to Monero (XMR)
Swapping Bitcoin (BTC) to Monero (XMR) is the canonical private on-ramp — you convert a publicly traceable Bitcoin balance into Monero's private, view-key-protected form, all without opening a SwapRocket account. SwapRocket aggregates quotes from non-custodial providers such as FixedFloat, Changelly and ChangeNOW and delivers native XMR directly to a wallet you control (Cake, Feather, Monero GUI, Monerujo), under 10 minutes on average.
How it works
- 01Enter the amount of BTC to swap.
- 02Paste your Monero wallet address.
- 03Pick a fixed or floating rate.
- 04Send BTC to the one-time deposit address.
- 05Receive XMR in your wallet.
BTC to XMR swap rates compared
Live BTC to XMR swap rates from every connected provider, side by side. Pick a swap size, load the quotes and see which provider pays out the most XMR right now.
Quoting about $1,000 worth of BTC.
| Provider | You receive | Rate | ETA |
|---|---|---|---|
| Load live quotes to compare every provider for this pair. | |||
Rates are live provider quotes for the size shown and refresh every 15 seconds. Network fees on the BTC deposit chain are paid by your wallet. Quotes stay indicative until you confirm an order.
BTC → XMR routing details
SwapRocket requests quotes from every connected liquidity provider for this route and shows the one that pays out the most XMR. Rates are live, so the exact amount you receive is confirmed in the widget above before you send anything, with zero added fees on top of the rate you see.
- Supported networks
- BTC Bitcoin (native)
- XMR Monero (native)
- Confirmations
- BTC 1–2 confirmations (~10–20 minutes)
- XMR 10 confirmations (~20 minutes)
- Typical processing
- BTC Under 10 minutes on average
- XMR Under 10 minutes on average
- Custody
- BTC Sent from your own BTC wallet to a one-time deposit address.
- XMR Paid straight to the Monero address you provide — SwapRocket never holds funds.
Fixed rate or floating rate for BTC → XMR?
- Fixed rate
- The XMR amount is locked when you confirm. The provider carries the market risk while your BTC deposit confirms, so the payout matches the quote even if the price moves. Best when you need certainty on the exact amount received.
- Floating rate
- The swap executes at the market rate when your BTC deposit lands. Usually pays out slightly more XMR than a fixed quote, but the final amount can move up or down while the deposit confirms.
Why swap BTC to XMR on SwapRocket
- Aggregated rate comparison. SwapRocket compares quotes across multiple providers so your XMR payout reflects the strongest quote SwapRocket found at that moment — with zero added fees, so you can compare elsewhere before confirming.
- Non-custodial. SwapRocket never holds your BTC or XMR. The Monero is sent straight to the wallet address you provide.
- No account. No SwapRocket account is required to swap BTC for XMR. The selected provider may request identity verification or hold a transaction for review under its own compliance policy, regardless of amount.
- Fixed or floating rate. Lock the BTC/XMR rate at quote time, or use the market rate at execution.
Why swap BTC → XMR
- Convert BTC into fungible, private XMR for savings or spending.
- Move a portion of a public Bitcoin stack into a wallet whose balance no one else can see.
- Fund a fresh Monero wallet without going through Kraken or KuCoin's KYC gate.
- Rotate between the two most-battle-tested crypto assets — deep-liquidity BTC and privacy-first XMR.
Network fees explained
- Sending BTC
- Standard Bitcoin miner fee applies on the send side and is set by your wallet at broadcast — usually a few dollars during normal mempool conditions. Fee bumps (RBF) work as usual; the swap provider watches for confirmation regardless of what fee you paid.
- Receiving XMR
- The XMR payout is paid by the routing provider — you don't need any Monero pre-funded to receive. Monero's own network fee (charged on future outbound sends) is famously cheap, typically a fraction of a cent.
Best wallets for XMR
- Cake Wallet. Best mobile / all-platform starter — non-custodial, easy setup on iOS, Android, macOS, Linux and Windows.
- Feather Wallet. Lightweight desktop wallet with first-class Tor support — the privacy purist's default.
- Monero GUI. Official reference wallet — run in full-node mode for zero trust in third-party infrastructure.
- Monerujo. Long-standing Android wallet, F-Droid distribution, Ledger over USB-OTG.
Verify the destination address and network before confirming — crypto transfers are irreversible.
Fees and pricing
Zero added fees: SwapRocket does not add a platform fee, a minimum or a withdrawal charge — the rate you see is the rate you get. Blockchain network fees are shown in full before you confirm, and the final amount you receive is quoted up front.
SwapRocket does not add a separate fee or markup to the provider quote. SwapRocket may earn a commission from the liquidity provider when a completed swap is referred through our platform. Provider spreads and applicable network costs are reflected in the quoted amount.
Network fees are set by the blockchain, not by SwapRocket. No account, no subscription and no withdrawal charge. Live support is available 24/7.
BTC → XMR FAQ
How do I swap BTC to XMR?
Enter the amount of Bitcoin you want to exchange, paste your Monero wallet address, and confirm the deposit. SwapRocket aggregates quotes from multiple providers and settles XMR directly to your wallet — no account required.
How long does a BTC to XMR swap take?
Most BTC/XMR swaps average under 10 minutes, depending on Bitcoin network confirmation times.
What's the fee to swap BTC to XMR?
SwapRocket aggregates quotes and routes to the best executable rate. The displayed quote is what you receive — there is no hidden spread. Network fees for Bitcoin apply on top.
Do I need an account to exchange BTC for XMR?
No. SwapRocket is non-custodial — provide a Monero address and swap directly from your wallet.
What's the minimum BTC to XMR swap?
Minimums are set by the underlying liquidity provider and shown live before you confirm a quote.
Do I need to verify my identity to swap BTC for XMR?
SwapRocket never asks you to create an account or upload identity documents for a crypto-to-crypto swap. The swap itself is executed by a third-party provider (for example FixedFloat, Changelly or ChangeNOW) under that provider's own AML policy: a provider can hold a transaction for review and request verification when its risk checks flag it, whatever the amount. Check the provider's published policy before you send. Buying crypto with a card or bank transfer is a separate flow that always requires verification.
How long does BTC → XMR take end-to-end?
Under 10 minutes on average. The provider waits for 1–2 Bitcoin confirmations (10–20 min), then broadcasts the XMR payout, which typically lands in the next Monero block (<10 min).
Fixed rate or floating rate — which should I pick for BTC → XMR?
Fixed locks the XMR you'll receive at quote time — best when you want certainty and can accept a slightly wider spread. Floating settles at the market rate when your BTC confirms — often slightly better output but exposes you to short-term XMR volatility during confirmation.
Should I run my own Monero node for the receiving wallet?
It's a meaningful privacy upgrade. A remote node sees the IP address that queries it and can correlate subaddress lookups. If you can't run your own, point Cake or Feather at a community node over Tor rather than the vendor default.
Is the Monero I receive linked to the BTC I sent?
Not on-chain, but not in an absolute sense either. The Bitcoin you send is a normal public transaction to the provider's deposit address, and the provider itself knows both sides of your order. What Monero changes is everything after the payout: once XMR lands in your wallet, ring signatures obscure the sender, stealth addresses obscure the receiver and confidential amounts hide the value, so on-chain observers cannot follow it further.
Related crypto guides
- Best no-KYC crypto exchanges (2026)A side-by-side look at exchanges still operating without accounts — limits, who holds your coins, and privacy compromises.
- Non-custodial crypto exchange (2026)What a non-custodial crypto exchange is, how it differs from a custodial exchange and a DEX, and the strongest options in 2026.
- No KYC crypto exchange (2026)What a no KYC crypto exchange is, how no-KYC swaps work without an account or ID, the trade-offs, and the strongest options in 2026.
Related pairs
Related comparisons for BTC → XMR
How SwapRocket stacks up against other exchanges and routes for these assets.
- SwapRocket vs ChangeNOW for BTC → XMR swapsMulti-provider quotes versus a single exchange desk.
- SwapRocket vs Coinbase: no-KYC and privacy for BTC → XMR swapsAccount-free swaps versus a custodial exchange that requires ID.
- Privacy coin comparison relevant to BTC → XMR swapsMonero vs Zcash: shielding models, liquidity and swap support.
- No-KYC exchanges compared for BTC → XMR swapsWhich platforms swap without an account or ID check.
- SwapRocket vs SimpleSwap for BTC → XMR swapsCoverage, spread transparency and payout speed.
Learn more
- How to buy BitcoinBuy BTC by swapping crypto you already hold: wallet setup, live rate comparison and address checks.
- Swap BTC to USDT without an accountStep-by-step Bitcoin-to-USDT guide covering provider comparison, network selection, address checks, and settlement tracking.
- How to swap cryptoA complete walkthrough of swapping any pair, including the difference between fixed and floating rates.
Compare exchanges
- Best crypto exchange (2026)How the major no-account swap venues stack up on rates, fees, coverage and custody.
- SwapRocket vs ChangellyAggregated best-of-N quotes versus a single-provider exchange — rates, KYC and coverage.
- SwapRocket vs ChangeNOWSide-by-side on pricing transparency, privacy-coin support and account requirements.
Keep exploring
Canonical: https://swaprocket.com/swap/btc-to-xmr