Subaddresses and accounts in Cake Wallet

Quick steps

1. Get a new subaddress. Open Receive. Cake Wallet issues a fresh subaddress after each one is used; with auto-generation off, tap the refresh icon to make one.
2. Label it. Tap the address label tag, type a name such as the sender's name, and confirm.
3. Review your addresses. Open the accounts and subaddresses screen and choose Addresses to see all subaddresses and their labels.
4. Add a Monero account. In the Monero settings open Accounts and tap Add Account, then name it.
5. Turn on Bitcoin accounts. In the Bitcoin settings open Accounts (Onchain) and enable Multiple Accounts, then tap Add Account.
6. Switch or archive. Tap an account card on the home screen to make it active, and use the menu on the card to rename or archive it.

Two features help you keep funds organised and private inside one Cake Wallet wallet. Subaddresses are about who can link your payments. Accounts are about keeping separate balances. Both are covered by the same recovery phrase, so you do not need extra backups for them.

Monero subaddresses

A Monero wallet has one primary address, which starts with 4, and can create practically unlimited subaddresses, which start with 8. Funds sent to any subaddress arrive in the same wallet. Someone who knows one of your subaddresses cannot tell it belongs to the same wallet as another, and cannot see your primary address (Cake Wallet docs, 2026).

That makes subaddresses ideal for giving a different address to each person, shop or exchange. If two of them compare notes, they still cannot prove both payments went to you.

How Cake Wallet handles them

• Automatic by default. With Auto generate subaddresses on (in the privacy settings), Cake shows a new subaddress after each one receives funds. Old subaddresses keep working forever.
• Manual mode. Turn auto-generation off to control them yourself; then tap the refresh icon on the Receive screen to make a new one.
• Labels. Tap the label tag on the Receive screen, type a name and continue. Labels are stored on your device only. They are not part of the seed, so a restore brings back the subaddresses and funds but not your labels.
• Review. All used addresses are listed under the accounts and subaddresses screen, Addresses.

Integrated addresses (long addresses starting with 4 that include a payment ID) are a different, older feature mainly used by exchanges. Our address checker tells the types apart.

After restoring a wallet

A restored wallet finds payments to its subaddresses when it scans the chain. If a payment is missing after a full sync, check that the right account is active, that the restore date was early enough, and see balance zero or missing.

Monero accounts

An account is a separate pocket inside one Monero wallet, with its own balance, history and subaddresses. Cake's docs present it mainly as a feature for advanced users. Examples: one account for savings and one for spending, or one per business activity.

• Create: open the settings, go to the Monero settings, choose Accounts and tap Add Account.
• Switch: on the home screen, tap the card behind the active account to bring it to the front.
• Rename: use the menu on the front card and choose Edit Account.
• Archive, not delete: accounts cannot be deleted. Archive Account hides one; the app notes this "does not delete any funds or activity" and can be reversed from the archived accounts list.

Accounts are not a privacy wall against yourself: anyone with the seed sees every account. Sending from one account never spends funds from another, so check which account is active before you send. Payments that need several transactions are blocked; the docs suggest sending a smaller amount to yourself first to consolidate.

Bitcoin accounts (since 6.5)

Version 6.5.0 (October 2026) added accounts for Bitcoin. They work like Monero accounts: separate balances, addresses and history, all from the same recovery phrase (Cake Wallet release notes, 2026).

• Off by default. Turn them on in the Bitcoin settings under Accounts (Onchain) by enabling Multiple Accounts, or from a banner on the home screen.
• BIP39 only. Not available for Electrum-seed wallets, hardware wallets or watch-only wallets.
• Native SegWit only for extra accounts: their addresses start with bc1q. Lightning and Silent Payments stay on the first account.
• Coin control and sends use only the active account.
• Restoring: after restoring the seed, enable Multiple Accounts so the wallet finds used second and third accounts; add later ones again with Add Account. Accounts are always created in the same order, which is why this works.
• Let the wallet finish syncing before adding, editing or archiving accounts.

Technically, each Bitcoin account is the next BIP84 account index (m/84'/0'/0', then m/84'/0'/1' and so on), so other BIP39 wallets that support multiple accounts can also see them.

Bitcoin addresses within an account

Bitcoin has no subaddresses, but Cake Wallet gives you a new receive address after each use and earlier addresses keep working. On the first account you can also choose other address types (Taproot, nested SegWit, legacy) or a reusable Silent Payments address. See Bitcoin in Cake Wallet.

Common mistakes

• Looking at the wrong account. A deposit sent to a subaddress of account 2 does not show in account 1. Switch accounts before assuming funds are missing.
• Reusing one address everywhere. It works, but it lets everyone you pay or who pays you link those payments together. Let the app generate new ones.
• Expecting labels after a restore. Labels and account names you typed live only on the device; write down any that matter.
• Exchanges and memos. Some exchanges need a specific address or payment ID for deposits; follow their instructions exactly.

Which should you use?

Frequently asked questions