# How to transfer cryptocurrency: check the network, address and fees Author: Abdullah Özkurt Language: English Published: 2026-09-25T10:01:55+03:00 Updated: 2026-09-28T01:59:31+03:00 ![Crypto transfer illustration with two digital wallets connected by matching blockchain blocks](https://kriptometa.com/uploads/kripto-para-transferi-nasil-yapilir-ag-adres-ve-ucret-kontrolu-7589_article.webp) ## Quick answer To transfer cryptocurrency, choose the asset and network in the receiving account, use the matching network at the sending end, and verify the address and any required memo. Check that the amount arriving after fees meets the deposit minimum; make a small test transfer if the conditions allow it. A valid-looking address does not fix a network mismatch. The lowest withdrawal fee does not necessarily identify the right route. Check what the recipient supports, which extra details are required and how much will actually arrive. When transferring cryptocurrency, the most expensive mistake is often unrelated to the fee. If the network selected by the sender does not match one the recipient supports, the funds may never reach the account you intended. An application accepting the address is not enough to establish compatibility. The checks below apply to **on-chain transfers** from an exchange to a personal wallet or another supported exchange. They do not cover cashing out to a bank account, bridging between networks or recovering a mistaken transfer. The aim is to settle six practical questions before pressing Confirm. ## 1. Start with the receiving account Open **Receive or Deposit crypto** in the account that will receive the funds. Choose the asset, then find the networks that the account accepts for that asset. Starting with the sender’s cheapest withdrawal option and trying to make the recipient fit it reverses the check. Suppose the recipient accepts USDC deposits on Ethereum. You would look for the matching Ethereum withdrawal route at the sending end. Seeing USDC on other networks in the same application does not establish that the deposit account accepts every version. If native and bridged versions are listed separately, verify which version is supported too. If you have not established what your wallet supports, complete the asset-and-network check in our [wallet selection guide](https://kriptometa.com/en/choose-crypto-wallet) first. Switching applications during a transfer does not make an incompatible network compatible. ## 2. Match the sending and receiving networks After selecting the asset at the sending end, **compare the withdrawal network with the deposit network**. Ethereum and TRON are separate networks. A matching token ticker does not make them interchangeable. ERC-20 and TRC-20 identify token standards; platforms may display those labels alongside a network name. ![Sender and recipient match on USDC and Ethereum; address and required memo come from the recipient](https://kriptometa.com/uploads/kripto-para-transferi-nasil-yapilir-ag-adres-ve-ucret-kontrolu-1358_article.webp)*A transfer-check diagram, not a real wallet interface. Both ends must support the asset and network; the address and any required memo come from the receiving account.* Take particular care with **addresses beginning with 0x**. Similar address formats are used across EVM networks. Instead of inferring the network from the first characters, verify it in the recipient’s support or deposit screen. If the match is unclear, stop and ask through the service’s official help channel. ## 3. Check the address and any required memo Copy the address from the recipient account’s current deposit screen and compare the **entire address** at confirmation. Checking only the first and last few characters leaves a gap. If you scan a QR code, still verify the address the application resolves. A familiar-looking entry in transaction history is not a trusted source by itself. In the [address-poisoning method described by MetaMask](https://metamask.io/en-GB/news/address-poisoning-detection), an attacker can plant a lookalike address in the history through small transactions. Wallet warnings can help, but the absence of a warning does not establish that the address has been verified. If the recipient provides a **[memo or destination tag](https://kriptometa.com/en/glossary/memo-destination-tag)**, enter it exactly as supplied. It may identify which customer should receive a deposit sent to a shared exchange address. Do not invent a payment note or insert a random zero. Not every network or personal wallet requires a memo; follow the receiving service’s instructions. You do not share a [private key](https://kriptometa.com/en/glossary/private-key) or recovery phrase to receive crypto. Keep the recipient address separate from the token contract address too. The contract identifies the token; it is not a substitute for your deposit address in a normal transfer. ## 4. Calculate the fee and the amount that will arrive An exchange’s **withdrawal fee** does not have to equal the blockchain’s **[network fee](https://kriptometa.com/en/glossary/gas-network-fees)**. For an exchange withdrawal, check the deduction and net amount on the confirmation screen. With a personal wallet, check which asset will pay the network fee. Many flows use the network’s native coin; some wallets and supported networks offer payment with other tokens. Our [Ethereum gas fee calculator](https://kriptometa.com/en/tools/gas-fee-calculator) helps estimate network cost, not an exchange’s withdrawal tariff. The [Bitcoin transaction fee tool](https://kriptometa.com/en/tools/bitcoin-transaction-fee-calculator) likewise estimates a network fee for Bitcoin transfers. Return to the service’s confirmation screen for the actual terms of your withdrawal. **Withdrawal and deposit minimums are separate limits.** A sender may allow an amount that the recipient will not credit. Kraken’s [deposit requirements](https://support.kraken.com/articles/360000292886-cryptocurrency-deposit-fees-and-minimums) illustrate why an amount below the minimum after fees can fail to reach your account balance. Read the current limit for the selected asset and network in your own account. Hypothetical example: fee deducted from the amount, deposit minimum 10 USDC | Sent | Fee | Net received | Minimum check | |---|---|---|---| | 20 USDC | 1 USDC | 19 USDC | Meets the 10 USDC minimum | | 5 USDC test | 1 USDC | 4 USDC | Below the minimum | These figures illustrate the calculation; they are not a service’s current rates. If the fee comes from a separate balance, you would not use the same subtraction. The distinction we want readers to notice is between the amount entered for sending and the amount that will reach the recipient. ## 5. Make a test transfer that meets the minimums For a new address or service, a small test can help reveal a mismatch before you send the main amount, provided the conditions allow it. **Small must not mean below the minimum.** Account for the sender’s withdrawal threshold, the recipient’s deposit threshold and the fee together. Once the test completes, check that the correct asset appears in the receiving account rather than relying only on a successful blockchain status. Verify the address, network and memo again before sending the main amount. A successful first transfer does not validate different details entered for the second. A test and the main transfer are two transactions and may incur two fees. If testing is disproportionately expensive for a small balance, do not try to solve that by sending a test below the minimum. Clarify the terms first, and leave the main transfer unsent while a material uncertainty remains. ## 6. Confirm the details and track the transfer Review these fields on the final confirmation screen: - The asset and selected network - The recipient’s complete address and any required memo or tag - The fee, which balance pays it and the net amount - The platform’s security checks and requested recipient information Keep the [TXID after](https://kriptometa.com/en/glossary/transaction-hash) the transaction is broadcast. If a result has not appeared yet, examine the existing record instead of sending the same amount again. Our [guide to tracking a crypto transfer](https://kriptometa.com/en/track-crypto-transaction) separates on-chain status from the receiving exchange’s account-crediting step. If you discover an address or network mismatch, stop sending more funds. Contact the relevant platform through its official support channel with the transaction ID and accurate records. Reversal or recovery depends on the network, address and service. Do not give recovery words to someone promising a guaranteed fix. ## Frequently asked questions ### How long does a crypto transfer take? There is no single delivery time. Sender security checks, the network transaction queue and the recipient platform’s confirmation requirements can each add a wait. An on-chain transfer may be complete before an exchange credits your account. Check both the withdrawal record and the receiving platform’s deposit status. ### Why can’t I send crypto when my account shows a balance? Your total balance may differ from the amount available to withdraw. Open orders, a hold on recently deposited funds, security checks or network maintenance can restrict transfers. Check the available amount and the platform’s official explanation. Choosing another network does not resolve an account restriction. ### Can I send crypto to someone else’s exchange account? The receiving service must accept third-party transfers, and the sending platform’s rules must also be met. Ask the recipient for the current address, network and any memo shown in their own account. A platform may request recipient identity or wallet ownership information; provide accurate details where required. ### Why is there no transaction ID for an internal transfer? Some services move value between customers through their own account ledger rather than a blockchain transaction. An off-chain transfer may have no TXID to look up in a block explorer. Check the transfer type and reference in your account history; do not assume that on-chain fee rules apply. ### Should I send tokens to the token contract address? For a normal transfer to a recipient, the token contract address is not a substitute for the person’s or exchange account’s deposit address. It identifies the token contract. Using it as the recipient by mistake can make funds inaccessible. Follow the receiving account’s Receive or Deposit instructions.