How To Buy Ripple (XRP)?

how to buy ripple xrp

If you want to buy Ripple’s XRP, one of the most popular cryptocurrencies in the crypto market, you came to the right place.

Set out on a mission to increase global liquidity pool and enable real-time money movement around the globe for minimal fees, both Ripple and XRP have been established in 2012. They have experienced a whopping 4000% increase in value over the years, peaking at USD 3.84 on January 4, 2018.

Today, it is still one of the leading coins, with a vibrant and ever-growing ecosystem surrounding it.

how to buy ripple xrp


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In this guide, we’ll show you the quickest and most convenient ways to buy Ripple (XRP).

Best way to buy Ripple XRP

Guarda Wallet is a secure and custody-free way to buy Ripple (XRP). Operating since 2017, Guarda supports over 45 cryptocurrencies and provides an integrated payment gateway for purchasing cryptocurrencies directly from your private crypto wallet.

You can buy Ripple immediately using your VISA or Mastercard bank card. Every purchase will cost you 7% and the minimum fee per purchase is USD 10.

All you need to do is follow the following steps:

  1. Download and install the Guarda Wallet from the official site. It works on multiple platforms, including Android, iOS, Windows, macOS, Linux, web browsers, and as a Chrome extension.
  2. Secure your wallet by creating a backup. Write down your backup seed and store it in a secure, fail-proof location. In most cases, a simple note in your private notebook will do the job, but you can also store it on an encrypted USB drive.
  3. Buy Ripple XRP. Go to the buy section, select fiat currency (USD or EUR) and the cryptocurrency you want to buy (Ripple / XRP).
  4. Make the payment. The purchase will cost you 7% and the most optimal rates start when you buy more than USD 200. If it’s your first time buying crypto via Simplex, you will be asked to go through a short, one-time Know Your Customer (KYC) procedure.
  5. Receive Ripple XRP to your wallet. When you complete the payment, the purchased XRP will appear in your Guarda Wallet within 20-30 minutes.

Here you have it! For any additional questions, please check out Guarda’s website.

Alternative methods:

If for some reason you don’t want to or can’t use Guarda Wallet to buy XRP, there are many alternatives.

All of them vary in fees, geographic accessibility, usability, deposit and withdrawal methods, and more.

Here’s a summary of some of the most popular exchanges selling Ripple (XRP).

ExchangeOperating countriesSupported fiatFeesDeposit methodsReview link
Guarda WalletWorldwideUSD/EUR~7% or USD 10Credit/debit card-
CoinbaseWorldwideUSD/EUR/GBP1.49% or 3.99%Credit/debit card, bank transfer, cryptoRead Review
BitstampWorldwideUSD/EUR0.5% or 5%Credit/debit card, crypto, bank tranfers (SEPA/International)Read Review
KrakenWorldwideUSD/EUR/GBP/CAD/JPYVaries per deposit method + 0.26%Various bank deposits/transfers - no credit/debit cardRead Review
BittrexWorldwideUSD0.25% + Bank feesWire transferRead Review
BinanceWorldwide except for the U.S.Any local currency0.1% or 2.5% w/ cardCredit/debit card/cryptoRead Review
eToro60 + countriesUSD45 XRP + other feesCredit/debit card/PayPal/Skrill/Bank transfers and moreRead Review

Buy XRP with Coinbase

Coinbase is one of the oldest and most trustworthy cryptocurrency exchanges that offer you a quick and convenient way to buy Ripple’s XRP.

It operates in over 100 countries and is extremely easy to use even for novice users. The process is as simple as that:

  1. Open an account. Getting started on Coinbase is easy, quick, and secure.
  2. Verify your identity. Have a photo of your identification document to confirm your identity.
  3. Buy Ripple (XRP). Coinbase allows you to buy XRP for as little as USD 25 using your debit card or bank account.

The costs of the purchase vary according to your country, but in the vast majority of cases, you will pay either 3.99% for an instant credit/debit card buy or 1.49% for a standard buying operation. Deposits via bank transfers are generally free, except for the U.S. customers.

buy ripple xrp with coinbase


Visit Coinbase

Buy XRP on Bitstamp

buy xrp bitstamp

Bitstamp is a reliable option to buy Ripple’s XRP with dollars (USD) and euros (EUR). As one of the oldest exchanges in the industry, it offers highly liquid markets and seamless trading experience without any distractions.

You may purchase XRP in one of the following ways:

  • Using a credit/debit card (5% + card issuer’s fees)
  • Bank deposit: SEPA (free) or international wire transfer (0.05% fee, minimum 7.5 USD/EUR, max. 300 USD/EUR)
  • Bitcoin (BTC), Litecoin (LTC), Ethereum (ETH), or Bitcoin Cash (BCH) deposit (free of charge)

As you may deduce, Bitstamp is exceptionally convenient for European citizens who can make SEPA transfers, as they come free of charge. Such deposits arrive relatively quickly, too - within one or two business days.

If money is not an issue and time is of the essence, trades directly from your credit or debit card might make sense, too - but be careful and mind the fees before they sneak up on you.

Visit Bitstamp

Buy XRP on Bittrex

buy xrp ripple bittrex

Bittrex is another U.S.-based exchange that lets you buy Ripple XRP cryptocurrency. Still, it is a rather slow option if you’re a new crypto user - the registration, verification, and filling in a banking application may take some time, and the exchange’s interface is designed for more experienced traders.

Regardless, Bittrex is still a great option, especially when it comes to fees - Bittrex won’t charge you extra for your USD deposits, so you will only pay 0.25% per trade.

To be eligible for USD deposits, you need to:

  1. Be registered on the exchange.
  2. Verify your account.
  3. Get approved for fiat (USD) trading by submitting an application here.
  4. Whitelist your bank account in the account Holdings Tab.
  5. Generate USD deposit code.
  6. Send a wire transfer. Domestic wires typically take 24-48 to settle, while international wires can take 5-10 days to complete.

Alternatively, you can deposit any Bittrex supported cryptocurrency and trade it to XRP - it is likely to save significant amounts of time.

Go to Bittrex

Buy XRP on Binance

buy xrp on binance

Binance is one of the world’s most popular exchanges whose meteoric rise to the top set an example for many less popular exchanges.

The rise of Binance was partially fueled by some of the lowest fees in the industry, as well as a great selection of altcoins - XRP included.

In fact, Ripple’s XRP is one of the base pairs in the exchange - making it easy to exchange it with other cryptocurrencies.

Despite the convenience and low fees, the Binance does not support direct bank deposits, so you will have to use either a credit or debit card to make a purchase via Koinal.

The service comes with extra fees, too - the direct purchase will cost you 2.5% of the total transaction value and can take up to 20 minutes to process.

Alternatively, you can deposit any of the 176 supported cryptocurrencies and exchange them for XRP.

Buy XRP on Binance

Buy XRP on Kraken

buy xrp on kraken

Kraken is a top exchange for starting cryptocurrency traders who are interested in buying XRP. It accepts deposits in five fiat currencies and supports dozens of different local deposit options - SWIFT transfers, FedWire’s, SEPA transfers, wire transfers, and even in-person cash deposits in Canada. However, you won’t be able to fund your account via credit or debit card - Kraken does not deal with those.

In any case, like most exchanges, it will ask you to verify your identity upon registration.

The five supported fiat currencies include U.S. dollars (USD), euros (EUR), Canadian dollars (CAD), Great Britain pounds (GBP), and Japanese yens (JPY). The fees and duration depend on the deposit option of your choice - expect to pay anything from “free” to 35 USD or EUR + 0.125%.

See the Kraken deposit options table to learn more and find the best option for you.

Once you are through with your deposit, you will be able to buy XRP on one of Kraken’s markets for as little as 0.26% fee per trade.

Visit Kraken Exchange

Buy XRP on eToro

buy xrp etoro

*75% of retail CFD accounts lose money.

Primarily, eToro is a derivatives trading platform for either “shorting” or “longing” XRP, as well as other cryptocurrencies. Despite that, you do you buy actual XRPs if you long them, and can safely offload them to your private eToro wallet. XRP is restricted for US users.

A substantial upside of eToro is that it allows perhaps the most extensive array of deposit options in the entire crypto industry. You can make deposits using:

  • Credit/debit cards
  • PayPal
  • Webmoney
  • Klarna/Sofort Banking
  • Wire transfer
  • Online banking
  • China UnionPay

Besides, it is a widely international platform accepting users from numerous countries all over the globe. Notable exceptions to this include states like Japan, Canada, Turkey, and few other countries.

eToro does not charge trading nor deposit fees for unleveraged positions, but there is a 45 XRP fee for opening an XRP wallet. Once you transfer coins from the eToro platform to the eToro wallet, you cannot move them back to the platform. Also, eToro wallet conditions may differ from country to country, and you must be a verified user to use the service.

Visit eToro

Disclaimer: eToro is a multi-asset platform which offers both investing in stocks and cryptoassets, as well as trading CFDs.

Please note that CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work, and whether you can afford to take the high risk of losing your money.

Past performance is not an indication of future results. Trading history presented is less than 5 complete years and may not suffice as basis for investment decision.

Copy Trading does not amount to investment advice. The value of your investments may go up or down.  Your capital is at risk.

Cryptoasset investing is highly volatile and unregulated in some EU countries. No consumer protection. Tax on profits may apply.

eToro USA LLC does not offer CFDs and makes no representation and assumes no liability as to the accuracy or completeness of the content of this publication, which has been prepared by our partner utilizing publicly available non-entity specific information about eToro..

How To Buy Ripple XRP Anonymously

There is no easy way to buy Ripple XRP anonymously, but that doesn’t mean it’s impossible. Perhaps the easiest way to do so is by asking someone in your local crypto community to sell you some XRP with cash.

Alternatively, you can check the advertisements of the following peer-to-peer (P2P) platforms:

Before making a P2P trade, be it regular cash to crypto exchange or online, be sure to check the other party’s feedback and reputation.

Get Ripple XRP Wallet

Once you’ve managed to buy some XRP, do not leave it on the cryptocurrency exchange. Regardless of what the exchanges say, it has been proven many times that leaving XRP on an exchange is a bad idea - your funds might be lost in a hacking accident, or your account might be compromised.

If you’re planning to get a hold of a substantial amount of Ripple’s XRP, you should consider getting a private XRP wallet. The simplest self-custody option is to download, set up and install one of the following software wallets - Toast Wallet, Abra Wallet, Wirex, Rippex, Exarpy, or Cryptonator.

If you’re planning to hold more than a USD 1000 worth of XRP, it is recommended to set up “cold storage.” The easiest way to set up a cold wallet is by getting a hardware wallet - devices by Ledger and Trezor Model T allow you to store XRP with cutting-edge security.

crypto cold wallets

Hardware wallets. Source: Jaro Larnos/Flickr


These days it is relatively easy to get your hands on cryptocurrencies, even in you're underbanked or unbanked. All you need is the right knowledge of who to reach and where to go. Hopefully, this list gave you the right ideas on where and how to buy XRP.