How to Send XRP from Luno and Convert to BNB (BEP-20) in MetaMask

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Converting XRP from a centralized exchange like Luno into BNB on the Binance Smart Chain (BEP-20) within MetaMask may seem complex, but with the right tools and clear guidance, it’s a seamless process. This guide walks you through every step—from initiating the transfer on Luno to receiving BNB directly in your MetaMask wallet—using a trusted decentralized exchange (DEX) aggregator like ChangeNOW.

Whether you're expanding your crypto portfolio or preparing assets for DeFi applications, understanding cross-chain swaps is essential. We’ll focus on simplicity, security, and speed while integrating key best practices for smooth transactions.

Understanding the Workflow

Before diving into the steps, let’s clarify the overall flow:

  1. XRP is sent from Luno to a temporary address generated by ChangeNOW.
  2. ChangeNOW executes the swap from XRP (Ripple) to BNB (BEP-20).
  3. BNB is sent directly to your MetaMask wallet, which must already support the Binance Smart Chain network.

This entire process is non-custodial—meaning you retain control of your funds—and typically completes within minutes.

👉 Discover how fast cross-chain swaps can be with seamless integration

Prerequisites

Ensure the following are completed before proceeding:

Having these set up ensures your wallet can receive BEP-20 tokens like BNB.

Step-by-Step Guide: Convert XRP to BNB via ChangeNOW

Step 1: Visit ChangeNOW and Select Assets

Go to changenow.io and choose:

Make sure you select the correct version of BNB—BEP-20, not BEP-2 or native BNB.

Step 2: Enter Swap Amount

Input the amount of XRP you’d like to convert. The platform will display an estimated amount of BNB you’ll receive after fees and market rates. Review this carefully.

⚠️ Note: Exchange rates fluctuate due to market conditions. Always check the final estimate before proceeding.

Step 3: Provide Your MetaMask Wallet Address

Copy your MetaMask wallet address (ensure it’s connected to the BSC network), then paste it into the “Recipient Wallet” field on ChangeNOW.

Double-check for accuracy. Sending to an incorrect address may result in irreversible loss.

👉 Start your next swap with confidence using a secure platform

Step 4: Confirm and Generate Temporary Deposit Address

Click “Confirm” on ChangeNOW. The system generates a unique, one-time XRP deposit address and includes a destination tag—both required for sending from Luno.

Keep this page open; you’ll need both details shortly.

Step 5: Initiate XRP Transfer from Luno

  1. Log in to your Luno account.
  2. Navigate to your XRP wallet.
  3. Tap Send.
  4. Paste the temporary XRP address provided by ChangeNOW.
  5. Enter the destination tag in the designated field.
  6. Input the exact amount of XRP to send.
  7. Confirm the transaction. The network fee is minimal—only 0.003 XRP.

You’ll receive an SMS for two-factor authentication (2FA). Approve it to finalize the transfer.

✅ Pro Tip: Always test with a small amount first when using a new service.

Step 6: Wait for Confirmation and Conversion

Once Luno processes the outgoing transaction, ChangeNOW detects the incoming XRP. The swap begins automatically.

Processing time depends on blockchain congestion but typically takes 3–5 minutes. You can track progress directly on the ChangeNOW interface.

When complete, BNB will appear in your MetaMask wallet under the BSC network.

If you don’t see the balance update immediately:

Why Use ChangeNOW for Cross-Chain Swaps?

ChangeNOW stands out among DeFi tools for several reasons:

Alternatives like SimpleSwap offer similar functionality, but ChangeNOW’s interface is particularly user-friendly for beginners.

Still, always DYOR (Do Your Own Research). While platforms like ChangeNOW are reputable, no service is entirely risk-free in decentralized finance.

Frequently Asked Questions (FAQ)

Q1: Is it safe to use ChangeNOW for crypto swaps?

Yes, ChangeNOW is a non-custodial exchange aggregator that doesn’t store user funds. Millions of transactions have been processed securely. However, always verify URLs and avoid phishing sites.

Q2: Why do I need a destination tag when sending XRP?

The XRP ledger uses destination tags to identify recipients when sending from exchanges or shared wallets. Omitting or entering the wrong tag may delay or lose your transaction.

Q3: Can I send XRP directly from Luno to MetaMask?

No. MetaMask does not natively support XRP as it’s not an ERC-20 token. You must use a bridge or exchange service like ChangeNOW to convert it into compatible formats like BEP-20 BNB.

Q4: What if my BNB doesn’t appear in MetaMask?

First, ensure MetaMask is set to the Binance Smart Chain network. Then try adding the BNB token manually using its contract address. If still missing, check the transaction on BscScan using your wallet address.

Q5: Are there alternatives to ChangeNOW?

Yes, platforms like SimpleSwap, SideShift.ai, and Swapzone offer similar cross-chain conversion services. Compare rates and reviews before choosing one.

Q6: How much does the swap cost?

Luno charges a fixed 0.003 XRP withdrawal fee. ChangeNOW applies a small exchange margin (typically 0.5–1%), visible before confirmation.

Final Tips for a Smooth Experience

Crypto interoperability opens doors to global financial ecosystems. By mastering tools like ChangeNOW and wallets like MetaMask, you gain full control over your digital assets across chains.

👉 See how easy it is to manage multi-chain assets securely

With practice, converting assets across networks becomes second nature—empowering you to participate in staking, yield farming, NFTs, and more across DeFi platforms.