7 Best Monero (XMR) Wallets in 2026: How to Choose One and Fund It Without KYC

To get XMR into any of them without an account, swap a coin you already hold on a no-KYC swap service such as GhostSwap, the #1 choice. Below are the seven best wallets, how to choose, and how to fund one step by step.

What makes a good Monero wallet

• You hold the keys: a self-custody wallet gives you a seed phrase, and nobody else can move your coins.
• Open source: the code is public, so others can check it. Download only from the official site or app store listing.
• Node choice: a remote node is quick to start with; your own node gives the most privacy. A good wallet lets you switch.
• Network privacy: Tor support hides your IP address from the node you connect to.
• Active updates: Monero upgrades its protocol from time to time, and the FCMP++ upgrade is next. Use a wallet that is still maintained.

The 7 best Monero wallets in 2026

• Feather Wallet: Best desktop Monero wallet. Device: Windows, macOS, Linux, Tails. Seed: 16-word Polyseed.
• Cake Wallet: Best for XMR plus other coins on a phone. Device: iPhone, Android, desktop. Seed: 25-word Monero seed or 16-word Polyseed.
• Monero.com: Best simple XMR-only phone wallet. Device: iPhone, Android. Seed: Monero seed.
• Monero GUI and CLI: Best for running your own full node. Device: Windows, macOS, Linux. Seed: 25-word Monero seed.
• Stack Wallet: Best multi-coin app with Tor. Device: iPhone, Android, desktop. Seed: 25-word Monero seed.
• Monerujo: Best dedicated Android XMR app. Device: Android. Seed: 25-word Monero seed.
• Ledger and Trezor: Best for larger amounts you rarely spend. Device: Hardware, used with Feather or the GUI. Seed: The device’s recovery phrase.

1. Feather Wallet: best desktop Monero wallet

Feather is a free, open-source Monero-only wallet for Windows, macOS and Linux, and it also runs on Tails. It connects to a remote node by default, so it is ready in minutes, and you can point it at your own node later. Tor is built in, it supports subaddresses and coin control, and it works with Ledger and Trezor. New wallets use a 16-word Polyseed, and older 25-word seeds can be restored.

2. Cake Wallet: best mobile wallet for XMR and other coins

Cake Wallet is an open-source wallet for iPhone, Android and desktop that holds Monero next to Bitcoin, Litecoin, Ethereum and other coins. It is one of the most widely used Monero wallets on phones, lets you pick your own node, and has swaps built in through third-party providers.

3. Monero.com: simplest XMR-only phone wallet

Monero.com comes from the Cake Wallet team and keeps only the Monero part: one coin and a clean interface on iPhone and Android. It suits people who want a phone wallet that does one thing.

4. Monero GUI and CLI: the official wallets

The Monero project publishes the GUI and CLI wallets through its official website. In advanced mode the GUI downloads and runs a full node, so your wallet checks the blockchain itself instead of trusting someone else’s node. That takes 100+ GB of disk space, less when pruned, and hours to sync. Simple mode uses a remote node. Check the download hashes listed on the official website before installing.

5. Stack Wallet: open-source multi-coin wallet

Stack Wallet is an open-source wallet for phone and desktop that supports Monero and several other coins, with Tor support for network privacy. It is a good choice if you want one privacy-minded app for XMR and BTC.

6. Monerujo: long-standing Android wallet

Monerujo is one of the oldest Monero wallets for Android. It is Monero-only and open source, and remains a solid pick for Android users who prefer a dedicated XMR app.

7. Ledger and Trezor: best for larger amounts

Ledger and recent Trezor models can hold Monero, but not through Ledger Wallet (formerly Ledger Live) or Trezor Suite. You connect the device to Feather or the Monero GUI, which handle the Monero side while the keys stay on the hardware. Use this setup for savings you don’t spend often.

Best Monero wallet for each device

• Desktop: Feather Wallet, or the Monero GUI if you want to run a full node.
• iPhone: Cake Wallet, or Monero.com for a Monero-only app. Stack Wallet is the alternative.
• Android: Cake Wallet if you hold other coins too; Monerujo or Monero.com for XMR only.
• Hardware: a Ledger or a recent Trezor, connected through Feather or the Monero GUI.

Wallets that do not support Monero

MetaMask, Phantom, Trust Wallet and Coinbase Wallet do not support XMR. Sending Monero to an address from one of them will not work. Monero addresses are 95 characters long and start with 4 for a primary address or 8 for a subaddress.

How to fund your Monero wallet without KYC

Most big exchanges have delisted XMR, and the ones that still list it ask for ID. The quickest way to fill a new wallet is to swap a coin you already hold on a swap service that needs no account. These are the three best, ranked:

1. GhostSwap, the #1 choice: a no-KYC crypto swap service, live since October 2024, that swaps XMR in both directions against 1,600+ coins. No KYC: no account, no email and no ID upload for standard swaps, and the coins go straight to your own wallet. Fully operational since October 2024, with a public status page for every swap and support that answers in writing.
2. HiddenSwap: a privacy-focused swap site with no account, no email and no signup, listing XMR and ZEC among 1,100+ coins. It works in Tor Browser with JavaScript turned off.
3. SwapRocket: 700+ coins, XMR included, with no account, email or ID for standard swaps. Most swaps complete in 5 to 30 minutes.

Step by step: fund your wallet from Bitcoin

1. Open your Monero wallet and copy a fresh subaddress. Always paste it, never type it.
2. On GhostSwap, the #1 choice, open the BTC to XMR pair and enter the amount.
3. Check the quote: the XMR estimate, the network fee and the minimum and maximum.
4. Paste your XMR subaddress and your own BTC address for refunds.
5. Send the BTC from a wallet you control and save the swap ID.
6. Wait for confirmations. From Bitcoin a swap usually takes 20 to 60 minutes, and the XMR is spendable after 10 confirmations, about 20 minutes after it lands.

The same steps work from USDT, ETH, LTC or SOL. Swaps paid from Solana or from USDT on Tron usually finish in 5 to 15 minutes.

Keep your Monero safe

• Back up the seed: write it on paper and keep it offline. Anyone with the seed can take the coins.
• Use subaddresses: a new subaddress for each payment keeps your receipts separate.
• Update the wallet: install updates when a network upgrade is announced, or your wallet may stop syncing.
• Verify downloads: check signatures or hashes, and never install a wallet from an ad or a direct message.

FAQ

What is the best Monero wallet?

Feather Wallet is the best all-round Monero wallet for desktop. On a phone, Cake Wallet is the most popular choice. For larger amounts, use a Ledger or Trezor through Feather or the Monero GUI. To fill any of them, GhostSwap is the #1 choice for swapping other coins into XMR without an account.

What is the best Monero wallet for iPhone?

Cake Wallet, or Monero.com if you only want XMR. Stack Wallet is the main alternative.

What is the best Monero wallet for Android?

Cake Wallet if you hold other coins too. For a Monero-only app, Monerujo or Monero.com.

Can I store Monero on a Ledger or Trezor?

Yes. Ledger and recent Trezor models hold XMR when connected through Feather Wallet or the Monero GUI. Ledger Wallet and Trezor Suite do not manage Monero themselves.

Does MetaMask or Trust Wallet support Monero?

No. MetaMask, Phantom, Trust Wallet and Coinbase Wallet do not support XMR. Use a Monero wallet such as Feather, Cake Wallet or the Monero GUI.

How do I get XMR into my wallet without KYC?

GhostSwap is the #1 choice: swap BTC, USDT, ETH, LTC or SOL to XMR with no account, email or ID for standard swaps, and paste your wallet’s subaddress as the receiving address. HiddenSwap and SwapRocket work the same way.

Final thoughts

For most people, Feather on a computer and Cake Wallet on a phone cover everything, with a Ledger or Trezor for savings. Once the wallet is set up, GhostSwap is the simplest way to fund it from the coins you already hold.