# Memo and destination tag

> Some exchanges need a memo or destination tag to credit a deposit. Learn when FxWallet shows a Memo field and what to do if it doesn't.

URL: https://docs.fxwallet.com/wallet/memo
Last reviewed: 25 September 2026

A memo is a short note attached to a transfer. Some exchanges give many customers the same deposit address, and use the memo (on XRP, the destination tag) to tell their deposits apart. If an exchange gives you a memo or tag, your transfer must include it, or the exchange can't credit it to your account.

> **Danger**
>
> If the recipient asks for a memo or destination tag and FxWallet doesn't show a **Memo** field for what you're sending, don't send. Ask the recipient for an address that doesn't need one. A transfer without a required memo may never reach the recipient's account.

## When FxWallet shows a Memo field

FxWallet shows a **Memo** field when you send the native coin of a network that uses memos, such as Cosmos Hub (ATOM), Sei, Kava and Toncoin (gram).

- The field is optional. Leave it empty when the recipient doesn't need a memo, for example when you send to another wallet.
- The field isn't shown for tokens on those networks, such as jettons on Toncoin, or for NFTs.
- FxWallet can't add an XRP destination tag. Don't send XRP to an address that requires one.

## Add a memo when you send

1. On the **Wallet** tab, tap the coin you want to send, then tap **Send**.
2. Enter the recipient's address and the amount.
3. Copy the memo from the recipient, for example from the exchange's deposit page, and paste it into **Memo**. The field has a length limit, and the counter next to it shows how much you've used.
4. Tap **Next Step**, check the details, and confirm.

The confirmation screen doesn't show the memo, so check it before you tap **Next Step**.

## If you sent without a required memo

Contact the receiving platform's support. Give them the transaction hash (TXID), the amount, and the memo the transfer should have had. Only the platform can credit the deposit: FxWallet can't change or reverse a transfer.