All articles

USDT transfer: TRC20, ERC20 or BEP20 — which network to use (2026)

When you transfer USDT in 2026, start with the network the receiver supports: for a deposit to Binance or OKX use the network shown on their deposit page, for a cold wallet you hold long term choose TRC20 (the lowest fee), and for Ethereum DeFi choose ERC20. Picking the wrong network is the most common accident, though it can often be recovered; the more hidden trap is having USDT you can't send at all, because the fee must be paid in that network's native coin. This article covers the fee comparison across the three main networks, how to choose, and what to do when you picked wrong.