How to Buy XRP (XRP) in 4 Easy Steps

Price updated 3 mins ago

Quick Answer:

You can buy XRP and have it in your wallet in less than one hour in 4 simple steps:

  1. Find the best exchange that sells XRP.
  2. Register a new account.
  3. Fund your account.
  4. Buy XRP.

These steps are simple if you know where to buy XRP cryptocurrency -- but knowing where to buy is the hard part.

Many cryptocurrencies are only offered on less well-known exchanges, and finding the best place to buy XRP (XRP) and then figuring out if that exchange is trustworthy is more than most people - even experienced crypto traders - can handle!

We've done all the hard research for you. Let's get started.

Step 1Find the Best XRP Exchange

Ultimately, doing your own research in crypto is the best way to learn the processes of moving your money, finding promising investment opportunities, and buying and selling cryptocurrencies.

We have done years of work to make this as simple as possible for you.

Why You Should Trust Our Recommendations


We started with 346 crypto exchanges.

We start by evaluating our comprehensive list of 346 exchanges that we have spent 7+ years and 600+ hours gathering data on.




of these exchanges sell XRP.

We then filter down the entire set of possible marketplaces to only the ones that have active XRP markets.




of these exchanges have $100m in daily trade volume.

We then remove any exchanges that don't have adequate trading volume to make buys and sales of all sizes.




remaining exchanges received a 7/10 Trust Score.

We give each exchange a trust review rating using history, longevity, proof of reserves, and reputation.


Apply our editorial review process to rank the remaining exchanges.

We manually review the remaining candidates to declare a winner.

The Winner is Coinbase Exchange

VISIT Coinbase Exchange Read Review
Reasons we ♥ Coinbase Exchange
Low fees
Educational incentives
Quick withdrawals
Bank Transfer (ACH)
Debit Card
Wire Transfer
Apple Pay
Google Pay
SGD Transfers
3D Secure Card UK
Easy Bank Transfer UK
Faster Payments UK
Instant Card Cashouts UK
PayPal UK

Step 2Register Your New Account

  1. Prepare Personal Information: Collect your personal details, including your name, address, and documents for identity and address verification.
  2. Create an Account: Visit the Coinbase Pro website, click "Sign Up," and provide your name, email address, and country of residence. Then, create a secure password and, if desired, set up two-factor authentication with your phone number.
  3. Agree to Terms: Read and agree to the user agreement and privacy statement.
  4. Verify Identity: Complete a two-step identity verification process by uploading a government-issued ID (passport, driver's license, or national ID card) and taking a selfie to confirm the validity of the photo ID.
  5. Wait for Approval: Wait for Coinbase Pro to review and validate the documents, which can take up to 48 hours, followed by immediate account verification upon approval​​.

Step 3Fund Your Account

Once you have registered or logged in to your account at , there are several funding methods you can use to buy XRP cryptocurrency.

You can buy XRP on using:

Please select listing to show.

  • Bank Transfer (ACH) 3-5 business days processing time
  • Debit Card Instant processing time
  • Wire Transfer 1-3 business days processing time
  • Paypal Instant processing time
  • Apple Pay Instant processing time
  • Google Pay Instant processing time
  • SEPA 1-3 business days processing time
  • EFTCAD 3-4 business days processing time
  • Interac Instant processing time
  • SGD Transfers 2-3 business days, Same day for a fee processing time
  • 3D Secure Card UK Instant processing time
  • Easy Bank Transfer UK Less than 2 hours processing time
  • Faster Payments UK 1-3 business days processing time
  • Instant Card Cashouts UK Instant processing time
  • PayPal UK Instant processing time

Step 4Buy XRP (XRP)

After registering and funding your account at , you should be able to buy XRP after your deposit finishes processing. After you receive your XRP, make sure to secure it and follow best security practices to avoid losing it scams or hacks.

Best XRP Exchanges

XRP is also available on these exchanges:

coinbase pro
Coinbase Exchange

Frequently Asked Questions

Yes, XRP is safe to buy. It is listed for trade on some of our top-rated exchanges including Binance, Zengo, Coinbase Exchange, Bybit, OKX, Kraken, KuCoin,, BingX.

You can buy XRP instantly at Binance, Zengo, Coinbase Exchange using their instant buy feature or a credit card.

Yes you can buy less than one (1) XRP. Cryptocurrencies in general are divisible to 16 decimal places.

To buy XRP, you will need to deposit funds into your exchange account - which usually has no fees - and then buy XRP, which will incur a trading or purchase fee; usually 0.1-3% depending on the exchange.

You can buy $1 of XRP at Binance, Zengo, Coinbase Exchange.

XRP Investment & Buying Guide

Diving into the dynamic realm of digital assets, you’ve likely crossed paths with Bitcoin and Ethereum. But there’s another contender that’s been making waves: XRP. Developed by Ripple Labs, XRP stands out with its lightning-fast transaction speeds and low fees, aiming to revolutionize how money moves across the globe.

Unlike its peers, XRP was created for a unique purpose: to enable secure, instant, and nearly free global financial transactions of any size with no chargebacks. It’s not just a digital currency; it’s a part of a larger technological innovation designed to disrupt traditional banking systems.

As you explore the intricacies of XRP, you’ll uncover a cryptocurrency that’s not only a medium of exchange but also a tool that bridges the gap between traditional fiat currencies and the evolving digital economy. Stay tuned as we delve deeper into what makes XRP a fascinating subject for crypto enthusiasts and investors alike.

What is XRP Cryptocurrency?

How Does XRP Compare to Other Cryptocurrencies?

XRP stands out in the crowded cryptocurrency market with its lightning-fast transactions. Other cryptocurrencies can take minutes or even hours to confirm transactions, but XRP does it in just seconds.

Transaction cost is another differentiator; XRP fees are incredibly low, making micropayments viable. In contrast, Bitcoin transaction fees can be prohibitively high during peak network congestion.

XRP’s consensus protocol doesn’t rely on the traditional proof-of-work mechanism that Bitcoin uses. This means it’s not just faster but also more energy-efficient, addressing one of the biggest criticisms faced by conventional cryptocurrencies.

While most cryptocurrencies are decentralized, Ripple maintains a unique role in XRP’s ecosystem. This has led to debates on XRP’s centralization, where Ripple has significant control over the network unlike decentralized platforms like Bitcoin.

Moreover, Ripple’s position also means XRP has a focus on compliance and works directly with banks and financial institutions. This sets it apart from other cryptocurrencies that often focus on anonymity and avoiding traditional financial systems.

Utility in cross-border payments is a major selling point for XRP, being tailor-made to facilitate these transactions. Other cryptocurrencies are not optimized for this purpose and may not have the infrastructure to support large-scale financial operations.

It’s critical to note that XRP was one of the fastest-growing cryptocurrencies in the past, but it’s also faced its share of legal challenges. Ongoing litigation with the SEC has impacted investor perceptions and the availability of XRP on exchanges.

For a deeper dive into the current litigation and XRP’s legal position, continue reading as we unpack the complexities of these ongoing challenges.

XRP History & Growth

XRP was created in 2012 by Ripple Labs, a tech company aiming to improve international money transfers. It was designed as a faster and more efficient alternative to traditional banking systems and other cryptocurrencies. Initially, XRP’s adoption was slow, but interest began to surge as banks started recognizing its potential for cross-border payments.

By 2018, XRP had reached its all-time high, driven by cryptocurrency market rallies and Ripple partnerships. Major financial institutions like Santander and American Express experimented with Ripple’s technology, integrating it into their payment systems. Despite market fluctuations, XRP maintained a strong presence among the top cryptocurrencies by market capitalization.

Growth continued as Ripple’s network expanded, with more than 300 financial institutions across 40 countries by 2020. RippleNet’s use of XRP as a bridge currency showed real-world utility, distinguishing it from speculative assets.

Regulatory challenges also marked XRP’s history, with the SEC lawsuit filed in December 2020 claiming XRP was a security. While legal uncertainties impacted its market performance, the community and developers remained committed to the cryptocurrency’s future.

Ongoing development and strategic partnerships aim to bolster XRP’s position in the fintech space. The commitment to meeting regulatory standards has helped Ripple maintain relationships with traditional financial entities.

Buying XRP with Different Payment Methods

When you’re ready to invest in XRP, knowing the ins and outs of purchasing it with various payment methods will streamline your experience.

Buying XRP with a Credit Card

Buying XRP with a credit card is often the fastest way to complete your purchase. Major cryptocurrency exchanges like Binance and Kraken allow you to buy XRP directly using your credit card, ensuring immediate transaction processing.

Buying XRP with a Debit Card

Using a debit card to buy XRP is as straightforward as with a credit card but uses funds directly from your bank account. Platforms such as Coinbase offer this method with enhanced security measures, so your transactions remain protected.

Buying XRP with Apple Pay

For those of you integrated into the Apple ecosystem, purchasing XRP through Apple Pay is a convenient option. Select crypto wallets and exchanges have integrated Apple Pay to make your acquisition of XRP seamless and hassle-free.

Buying XRP with Paypal

PayPal’s entry into the cryptocurrency market means that buying XRP is now more accessible. You’re able to use your existing PayPal balance or linked bank account to buy XRP on platforms that support PayPal as a payment option.

Buying XRP with a Bank Transfer

Opting for a bank transfer to buy XRP is a common choice for large transactions due to lower fees. While it’s slower than card payments, services like Bitstamp and eToro facilitate bank transfers, making them a viable option for substantial investments.

Keeping Your XRP Safe

Purchasing XRP is one aspect of investment—ensuring its safety is another. In the digital realm, the security of your assets is paramount, and knowing how to safeguard your XRP can give you peace of mind.

Software Wallets

Software wallets offer a convenient way to manage your XRP with easy access from your computer or mobile device. They encrypt your private keys to protect your assets from unauthorized access. Although they’re connected to the internet, which poses some risk, modern software wallets come equipped with advanced security features like two-factor authentication and multi-sig functionality.

Hardware Wallets

For heightened security, hardware wallets are the premium choice. These physical devices store your XRP offline, effectively making them immune to online hacking attempts. When you use a hardware wallet, your private keys never leave the device, and transactions are signed within the wallet before being broadcast to the network. As a result, even if your computer is compromised, your XRP remains secure within the hardware wallet.

Selling & Withdrawing XRP

Selling your XRP is a straightforward process similar to purchasing but in reverse. Select a reliable exchange, initiate a sell order, and choose the amount you wish to sell. Keep in mind the liquidity of the platform, as higher liquidity means you’re more likely to sell your XRP quickly. Timing is crucial when selling; monitor the market to maximize your returns.

Withdrawing funds from the exchange often involves a few additional steps. Make sure to set up and verify your withdrawal method, which can be a bank account or digital wallet. Remember withdrawal fees vary based on the method used and the policies of the exchange.

Transferring XRP to a fiat currency like USD, EUR, or GBP can incur conversion costs. Compare rates across different platforms to minimize these expenses. To transfer XRP to a hardware wallet, ensure the device supports the Ripple network and always double-check the receiving address to prevent loss of funds.

Keep Your Records Updated for tax purposes. Transactions involving XRP are taxable events in many jurisdictions, and detailed records will help you comply with regulations.

Is XRP a Good Investment?

Determining whether XRP is a good investment requires considering its market trends and utility. XRP’s unique value proposition lies in its fast transaction speeds and low fees, making it a preferred choice for cross-border payments.

As of early 2023, XRP remains among the top cryptocurrencies by market capitalization. Ripple’s partnerships with financial institutions indicate a growing adoption which could positively affect XRP’s demand and price.

It’s crucial to consider the ongoing litigation with the SEC that has created uncertainty in XRP’s future. Historical data reflects the crypto market’s volatility; XRP has experienced significant price swings, both upward and downward.

Investing in XRP, like any cryptocurrency, involves risk. You’re advised to conduct thorough research and consider diversifying your investment portfolio. Stay informed about legal developments and market dynamics that could impact XRP’s investment potential.

XRP Price Predictions

Forecasting the price of XRP is complex due to its volatile nature. Market analysts use historical data, current trends, and advanced algorithms to predict future prices. Historical performance isn’t a guarantee of future results, but it’s a useful indicator. In the past, XRP has experienced significant highs and lows, influenced by market sentiment and legal developments.

Cryptocurrency experts often have diverging opinions on XRP’s future valuation. Some predict a steady increase as Ripple’s technology gains adoption, while others foresee a decline due to regulatory challenges. Investor sentiment plays a crucial role in the fluctuation of XRP’s price. Feelings of optimism or pessimism in the market can cause rapid value changes.

Several online platforms and cryptocurrency analysts provide periodic XRP price forecasts. These include short-term, mid-term, and long-term predictions, which can be a resource for your investment decisions. Remember that predictions are not financial advice and should be approached with caution.

Regulatory outcomes will likely impact future XRP prices significantly. The ongoing SEC lawsuit remains a variable that could either hinder or boost XRP’s value considerably. Keep an eye on news and legal developments as they can quickly alter the market landscape.

Diversifying your portfolio can mitigate risks associated with relying on a single asset’s predictions. Including various cryptocurrencies and assets spreads your exposure and potential vulnerability. Research and continuous monitoring of the market are essential for making informed decisions about buying or selling XRP.

Additional Info

Navigating the XRP marketplace requires a blend of savvy purchasing strategies, secure storage practices, and a keen eye on market and legal shifts. You’ve got the tools to buy and sell with confidence, from credit cards to bank transfers, and the know-how to protect your digital assets. Remember, the investment landscape for XRP is as dynamic as it is promising, with factors like the SEC lawsuit playing a crucial role in shaping its future. Diversification isn’t just a strategy; it’s your safety net in the volatile world of cryptocurrency. Keep your portfolio varied and your finger on the pulse of the latest market trends and legal rulings. With these insights, you’re better equipped to make informed decisions and navigate the complexities of XRP investment. Stay vigilant, stay informed, and let your investment journey be guided by the knowledge you’ve gained.

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