How to Convert Bitcoin to Monero

• ChangeNOW is our pick for converting Bitcoin to Monero. Its BTC/XMR converter needs no account, offers both fixed and floating rates and tracks every order live, and the company reports an average standard exchange time of about one minute.
• No account doesn’t rule out checks. Any single order can still be held for a compliance review.
• Expect roughly half an hour before the XMR is spendable, most of it spent on the Bitcoin confirmation and Monero’s 10-block wallet lock.
• When you compare services, look at how much XMR each one says you’ll receive. The margin is already built into that figure.

Most people convert Bitcoin to Monero through an instant converter. You send BTC to a one-time address and get XMR back in your own wallet, with no exchange account in between. If you’re figuring out how to convert Bitcoin to Monero for the first time, the two choices that change your result are the rate type and the fees hidden in the quote. Speed depends mostly on the two blockchains.

Atomic swaps and centralized exchanges are the other two routes.

Key facts

Data as of October 2026.

How Does a Bitcoin to Monero Converter Work?

To convert BTC to XMR on a converter, you send bitcoin to a one-time deposit address and the service pays Monero to your wallet. You never keep a balance with it. No account is needed to start, although an individual order can still be held for a compliance check. The steps: