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XRP help · Destination tag

XRP destination tag: forgotten, wrong or needed?

The destination tag is a number an exchange uses to match an XRP payment to your account. Many exchange addresses reject payments without one, so the XRP never leave the sender. If the payment does go through, it sits in the exchange’s pooled account, and only that exchange’s support decides whether and how you get it back.

Does this address need a tag?Go to the guide
Phil · CryptoTuts founderScreenshots from the XRP Ledger of October 27, 2026 · Facts checked October 27, 2026
What a tag is
a number
from 0 to 4,294,967,295
Sending to an exchange
required
otherwise no match to your account
Sending to your own wallet
not needed
Ledger, Trezor, Tangem, Xaman
Getting it back
via the exchange only
with the hash, never via third parties

Does this address need a tag?

Paste the destination address. You see whether the ledger only accepts payments with a destination tag at this address, and whether the address is activated.

Reads only public settings of the address; it says nothing about who runs it. We do not store the address.

Basics

What the destination tag is

An exchange usually receives XRP on one address for all customers. The tag tells it whose payment it is. The ledger itself does nothing with the number; it only passes it on.

  • Format

    A whole number from 0 to 4,294,967,295, so at most ten digits and no letters. The exchange shows it on the deposit page right next to the address, labeled "Tag", "Destination tag" or "Memo".

  • Tag or memo

    For XRP, exchanges that say "memo" almost always mean the destination tag. Wallets such as Xaman also have a separate memo field for free text. That is not the tag; the number belongs in the "Destination tag" field.

  • X-address

    Some platforms show one long address starting with X instead of address plus tag. The tag is already inside it. Whether a platform accepts X-addresses is stated in its help center; Gemini, for example, still asks for a separate tag.

When you need it

When you need a tag and when you do not

The rule of thumb is simple: sending to an exchange needs a tag, sending to your own wallet does not. What matters is what the ledger does when it is missing.

  • To an exchange: always with a tag

    Copy the tag from the receiving exchange’s deposit page, do not retype it. It belongs to your account and normally stays the same.

  • To your own wallet: no tag

    Your Ledger, Trezor, Tangem or Xaman address belongs to you alone. If the sending exchange insists on a tag field, Ledger, Trezor and Tangem say any number works.

  • When the ledger rejects

    Exchanges can set their address so the ledger only accepts payments with a tag. Kraken’s published deposit address has that setting. A payment without a tag then fails with tecDST_TAG_NEEDED: the XRP stay with the sender, only the fee is spent.

  • When the ledger lets it through

    The ledger cannot spot a wrong tag, and addresses without that setting also accept payments with no tag at all. The XRP then sit on the exchange address without being matched to any account.

US platforms at a glance

Forgot the tag: what the platforms say

How each platform describes a missing or wrong tag and how you claim the payment. Alphabetical, from the platforms’ own help centers only.

XRP with a missing or wrong destination tag: what each platform says, as of October 27, 2026
PlatformTag to depositMissing or wrong tagHow to claim it
Binance.USRequired (memo)Assets may not arrive or may be lost.Self-service Deposit Recovery Tool with transaction ID, network, deposit address and a screenshot from the sending wallet. 5% fee for a missing memo, usually a few business days. Advanced verification required.
BitstampRequiredMay be credited to another user or lost.Email support or open a ticket with date, amount and the missing tag. No fee or timing stated.
CoinbaseRequiredNot credited to your account. For a wrong tag, support may be able to help.Contact Coinbase support with the transaction hash. No fee or timing stated. The same help page also points to the sender’s support for a missing tag.
Crypto.comRequiredNot credited automatically; manual recovery may be possible.In the app: Settings, Support, Crypto Deposit Recovery, then Customer Support. Manual recovery costs 50 USDT or USDC.
GeminiRequiredMissing both address and tag may cause loss of funds.No recovery process for tags is described.
KrakenRequired; its address rejects payments without a tagWithout a tag the ledger rejects the payment. Other mistakes may delay crediting or be unrecoverable.Open a support ticket. No fee or timing stated.
RobinhoodRequired (numeric only)Funds are not credited.No recovery process is described; Robinhood says transfers cannot be reversed.
UpholdInconsistent across its help pagesWith the new unique XRP address, deposits are credited even with a missing or wrong tag; the old pooled address needs it.Contact Uphold support for deposits to the old address.
Ledger (own wallet)Not neededRequired when sending to an exchange; enter it in the memo field. Ledger says some exchanges charge a small fee to return XRP.Contact the receiving exchange with the transaction ID as text.
Tangem (own wallet)Not neededThe send flow asks for a memo or destination tag if the recipient needs one.Contact the receiving exchange.
Trezor (own wallet)Not neededTrezor Suite has a tag field on the XRP send screen; a missing required tag may delay or lose funds.Contact the receiving exchange.
Xaman (own wallet)Not neededThe tag goes on the summary screen; the memo field is something else. Xaman cannot reverse a payment.Contact the receiving exchange with a screenshot from Events: address, amount, date, hash.

Sources are the platforms’ own help centers, checked October 27, 2026. Kraken, Crypto.com, Uphold and Gemini list XRP without a US-specific statement. Platforms disagree on whether untagged XRP is lost: it depends on the receiving platform, not on the wallet.

Step by step

Forgot or mistyped the tag: what to do

Four steps, in this order. The first one decides whether there is anything to claim at all.

  1. Step 1 of 4

    Step 1: Check the status of the payment

    Rejected means nothing is lost: send again.

    Paste the hash into the check field on our transaction page or into the explorer. If it says "Fail" with tecDST_TAG_NEEDED, the ledger rejected the payment and the XRP stayed with the sender. If the payment came from an exchange, ask it to credit the XRP back, then send again with the tag.

    DesktopRejected: tecDST_TAG_NEEDED, the XRP never left1 / 1

    Rejected: tecDST_TAG_NEEDED, the XRP never left

    100%
    1 / 1
    Original size
  2. Step 2 of 4

    Step 2: Collect the evidence

    Hash, amount, time, sending address and deposit address.

    If the status is Success, the payment sits at the exchange. Note the hash as text, the amount, date and time, the address you sent from, and your deposit address with its tag. In the explorer the tag that was used follows the colon after the destination address.

    DesktopWent through: the tag follows the colon after the destination address1 / 1

    Went through: the tag follows the colon after the destination address

    100%
    1 / 1
    Original size
  3. Step 3 of 4

    Step 3: Open a ticket with the receiving exchange

    Only through official support, in the app or on the website.

    Template: "On [date] at [time] I sent [amount] XRP to my deposit address and forgot the destination tag (or entered the wrong one: [tag]). Hash: [hash]. Sending address: [address]. My correct tag: [tag]. Please credit the payment to my account." The table above lists what each platform asks for in addition.

  4. Step 4 of 4

    Step 4: Wait, and do not send twice

    No second untagged payment, no "recovery" services.

    Matching is manual work and can take time; most large platforms name no fixed timeframe. Do not send anything else without a tag in the meantime. Follow up in the same ticket so the evidence stays together.

Troubleshooting

If it does not work

The cases that most often get stuck with XRP transfers, and what helps in each.

  • The exchange says the XRP are lost

    That is the platform’s policy, not a limit of the ledger. Ask politely with all the evidence; a third party cannot change the outcome.

  • Support does not answer

    Follow up in the same ticket instead of opening new ones, so the evidence stays together. Coinbase and Kraken name no fixed processing time.

  • Someone offers to recover your XRP

    That is a scam. Nobody can reverse a payment on the XRP Ledger or force an exchange from outside. Never hand over your recovery phrase, remote access or a fee up front.

  • You sent to an address without a tag requirement

    Then the payment went through, even without a tag. Use the check field above to see whether the address requires a tag; if not and it belongs to an exchange, go through its support.

  • You deleted an account and sent the balance to an exchange

    An account deletion (AccountDelete) is not a normal payment, and Kraken says it does not support such transfers. Contact the exchange’s support with the hash right away.

FAQ

Frequently asked questions

What is a destination tag for XRP?
A number an exchange uses to match an incoming XRP payment to a customer account. Many customers share one deposit address; the tag tells them apart.
What does an XRP destination tag look like?
A whole number from 0 to 4,294,967,295, so at most ten digits, for example 12345678. It never contains letters or dashes.
Is the XRP memo the same as the destination tag?
At most exchanges, yes; many label the field "Tag/Memo". In wallets such as Xaman the memo is a separate text field and not the tag. The number always goes into the "Destination tag" field.
Do I need a tag when sending XRP to my Ledger?
No. Your Ledger address belongs to you alone. If the exchange insists on a tag field when you withdraw, Ledger says any number works.
Is XRP sent without a destination tag lost?
It depends on the receiving platform. If the address requires a tag, the ledger rejects the payment and nothing is lost. If it goes through, platforms such as Coinbase, Crypto.com and Binance.US describe a recovery path; others describe none.
How long does tag recovery take?
Most platforms name no fixed timeframe. Binance.US says a few business days for a missing memo. Expect it to take a while and follow up in the same ticket.
Where do I find my destination tag?
On your exchange’s XRP deposit page, right next to the address. It belongs to your account. Copy both values instead of retyping them.

Further reading

Related guides

Tangem is a card wallet that supports XRP. When you send to an exchange, the app asks for the tag in its own field.

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Sources and fact check

Checked October 27, 2026 against the providers’ own help centers and xrpl.org.

Not investment advice. CryptoTuts cannot recover payments; only the support of the receiving exchange can match one.