Swap BNB to XLM in three steps without creating an account. You see an estimated amount before you send, the exchange runs automatically once your deposit confirms, and the XLM goes straight to the wallet address you enter.
Enter the amount of BNB you want to swap in the widget above. It shows an estimate of the Stellar you will receive on the Stellar network at the current floating rate, with the payout network fee already taken into account.
Paste your XLM wallet address and check it twice, because blockchain transfers cannot be reversed. If the coin needs a memo or destination tag, a field for it appears. xswap.to never asks for your private keys.
Confirm the order and send your BNB to the one-time deposit address on the BNB Smart Chain network. Once the deposit confirms, the swap runs automatically and the XLM is sent to your wallet. The order page shows every stage.
Swapping BNB (BNB) for Stellar (XLM) here takes one transfer from your wallet: no exchange account, no balance to deposit and no withdrawal queue. You choose the receiving address, and the XLM goes there once the swap completes.
Rates are floating, so the amount shown is an estimate that can shift slightly while your BNB deposit confirms on BNB Smart Chain. The payout is sent on Stellar, so check that your Stellar address belongs to that network before you confirm.
Refreshed hourly. The widget shows the live estimate.
1 BNB
≈
4187.2680658 XLM
At the latest hourly update, 1 BNB converts to about 4187.2680658 XLM. The figure comes from the floating rate and already allows for the payout network fee. Rates move, so the widget recalculates the estimate when you enter your own amount, and no account or registration is needed to swap.
Approximate exchange rates between these assets, refreshed hourly
As of Nov 4, 2026 14:54 UTC, 1 BNB is worth about $700.90 and 1 XLM about $0.000897, so 1 BNB converts to roughly 4187.268066 XLM. These figures move with the market, and the widget shows the live estimate before you confirm.
This page converts BNB on BNB Smart Chain into Stellar lumens (XLM), paid out on the Stellar network to the address you enter. There is no account or email step. A common reason to convert BNB to XLM is funding a Stellar wallet for cross-border payments or for trading Stellar-issued assets, where lumens pay the transaction fees and cover the account's minimum balance.
On the sending side you transfer native BNB, the gas coin of BNB Smart Chain, from a 0x address. Stellar is a separate ledger that reaches agreement through the Stellar Consensus Protocol rather than mining, so the order is a cross-chain swap. Stellar addresses start with G and run 56 characters. If your XLM goes to an exchange, that exchange gives you a memo, and the widget has a field for it; personal wallets leave it empty.
Rates float. You see an estimate up front, already reduced by the exchange margin and the small Stellar fee for sending the payout, and the final XLM figure can drift if BNB moves before your deposit is confirmed. Most of the waiting happens on the BNB side while block confirmations build up. Once the payout goes out, Stellar ledgers close roughly five seconds apart, so that leg is short. The order page tracks every stage and keeps the transaction ID.
From live exchange data, refreshed hourly.
| You send | You receive | |
|---|---|---|
| Asset | BNB | Stellar (XLM) |
| Network | BNB Smart Chain | Stellar |
| Type | Native coin | Native coin |
| Memo / tag | Not needed | Required with your address |
| Route | Cross-chain: BNB Smart Chain to Stellar | |
| Rate | Floating, estimate shown before you send | |
| Minimum to send | 0.0003229 BNB | |
| Account / ID | Not needed to start a swap | |
A memo is required whenever the G address is a shared deposit address run by an exchange or another custodial platform. In that case the memo identifies your account, and a payout without it may not be credited. Personal self-custody Stellar wallets do not need one.
Stellar addresses are 56-character public keys that begin with a capital G. Your BNB address starts with 0x, so it cannot receive XLM. Copy the address from your Stellar wallet's receive screen rather than typing it by hand.
Stellar requires every account to keep a base reserve of XLM so the ledger is not filled with empty accounts. An address only exists on the ledger once it receives enough lumens to meet that reserve. That part of your balance cannot be spent while the account stays open.
Not on this pair, which takes BNB on BNB Smart Chain. opBNB is a separate layer-2 network listed as its own option in the coin selector, and this order's deposit address only accepts BNB on BSC. Start a new order with opBNB selected instead, if that pair is offered.
It depends mostly on how quickly your BNB deposit collects its confirmations and how fast the exchange is processed. The XLM payout usually lands in one of the next ledgers, which Stellar produces about every five seconds, so the last step is quick. Watch the order page for the live status.
Begin on the order page: if it shows finished, take the payout transaction ID and look it up on a Stellar block explorer. If the memo was missing or wrong, contact the receiving exchange with that ID. For anything stuck before the payout, message @xswap_to on Telegram with your transaction ID.
