How to Buy XRP: The Best Way to Buy XRP in 2026

XRP is the native token of the Ripple network. Built on the XRP Ledger (XRPL), the token powers fast, low-cost cross-border payments, making it a popular choice for crypto investors worldwide. Like other digital assets, buying XRP is straightforward, as long as you follow the right steps and use reputable platforms.

This guide helps you select a trusted exchange, verify your account, fund it with fiat or crypto, and safely buy XRP. As a rule of thumb, we encourage traders, especially beginners, to start investing small, prioritize security, and stay informed on regulations to have a smooth trading experience.

How to Buy XRP: Step-by-Step Guide

Follow this straightforward guide to buy XRP:

Step 1: Select a Suitable Platform

Research the top crypto exchanges that list XRP. Choose platforms that are not restricted in your region and have robust security records, user-friendly interfaces, and support for local currencies. Also, extend your research to user reviews, compare withdrawal limits, and customer support ratings before deciding.

Step 2: Sign-up and Complete KYC Verification

Once you’ve selected a platform to buy XRP from, sign up with a valid email or phone number. Depending on the type of crypto exchange you choose, you will be required to create a strong password and complete identity verification (KYC).

Know-Your-Customer (KYC) Verification requires you to submit a government-issued ID and, in some cases, a selfie or proof of address, and is often completed within hours. Verification also aims to ensure compliance and access to full features, such as higher deposit limits.

Pro Tip: Some crypto trading platforms offer welcome bonuses to new users, often including monetary rewards for completing simple tasks, trading fee discounts, and more. Check out our compilation of the best crypto sign-up bonuses to learn more about these rewards and how to activate them.

Step 3: Choose Your Payment Method

Now that your account is up and running, explore payment methods tailored to your preferences. Available payment options usually include bank transfers for cost savings, cards for speed, or P2P trades via centralized exchanges for users looking to avoid high fees.

Buy XRP with a Debit Card

Debit cards enable quick XRP purchases on platforms supporting Visa or Mastercard. They are also ideal for users who need immediate access without credit checks. Navigate to the “Buy” or “Deposit” section of the crypto exchange you choose, input the card details, choose the XRP amount, and confirm after reviewing fees.

Buy XRP with a Credit Card

Credit card purchases offer a similar speed to debit options for XRP purchases, though higher fees and interest may apply if payments are not made on time. Navigate to the fiat deposit area on your exchange, enter card details securely, select the XRP trading pair (e.g., XRP/USD), and complete your transaction.

Buy XRP with PayPal or Google Pay

This method is available on select exchanges, such as those integrated with Paxful or eToro. Digital wallets such as PayPal and Google Pay streamline XRP acquisition by linking to a bank account or card. Choose the payment method in the deposit menu, authenticate with your PayPal/Google account, enter the XRP quantity, and complete the transaction.

Buy XRP with Bank Transfer

Bank transfers offer the lowest fees for larger XRP buys and can take 1-3 days via SEPA, ACH, or local wires on some exchanges. Link your bank account in the funding section, initiate a transfer using the provided details, wait for the funds to be credited, then trade for XRP.

Buy XRP with Other Cryptocurrencies

If you are using a crypto wallet, you can swap BTC, USDT, ETH, or other crypto coins for XRP instantly. On crypto exchanges, you can also swap or buy instantly on spot markets, which is perfect for existing crypto holders. To do this, go to the search bar and search for the XRP trading pair (e.g., XRP/USDT), make sure you have stablecoins or any other crypto asset in your trading account, place a market or limit order, and receive XRP in your spot wallet.

Step 4: Store Your XRP

After buying XRP, you will need to manage and store it securely, especially if you plan to hold it long-term. Safely storing your XRP concludes the buying process. If you’re a beginner, weigh the ease of exchange against the personal control you have over your wallet.

Exchange Wallet

Leaving XRP in your exchange account is best for short-term trading and built-in security features such as 2FA and insurance funds. However, exchanges remain custodial, meaning you don’t fully control private keys. This is ideal for active traders but risky for long holds due to past breaches.

External Wallet

This method is recommended for larger amounts or HODLing. Here, you need to buy XRP on a software wallet or exchange, then transfer it to a personal external wallet, preferably a cold wallet or hardware wallet such as Ledger or Tangem, for offline storage.

Where to Buy XRP Safely

You can buy XRP from cryptocurrency exchanges, peer-to-peer (P2P) services, decentralized finance (DeFi) platforms, crypto ATMs, payment processors, and mobile crypto wallets. Here are some popular exchanges that you can purchase XRP on:

• MEXC: Excellent for beginners and advanced users with P2P trading, low fees, and high liquidity.
• Gemini: US-regulated, with insurance for hot wallets, a user-friendly interface, and XRP pairs. It is great for secure and beginner-focused purchases.
• Binance: The world’s largest exchange by trading volume that provides multiple payment options (credit/debit cards, bank transfers, Apple/Google Pay) and advanced security features.

Buying XRP on Centralized Exchanges (CEX)

Centralized platforms like MEXC, Kraken, and Gemini facilitate XRP trading through user-friendly interfaces and high-performance trading engines. Many XRP exchanges also offer additional services, such as staking options, interest-earning accounts, and debit cards that let you spend your XRP directly or convert it to fiat for purchases.

Buying XRP on Decentralized Exchanges (DEX)

Decentralized exchanges (DEXs) like Uniswap or XRPL DEX enable peer-to-peer XRP swaps without KYC. Buying XRP on DEXs has significantly different mechanics from centralized platforms. It requires prior crypto holdings to cover gas fees for your transactions.

Conclusion

Buying XRP is a straightforward process once you understand where to buy it, how to manage and store it securely, and the fees involved. By choosing a reputable exchange, completing the required verification, and using a secure wallet, you can purchase XRP with confidence. As with any coin, it’s important to stay informed about market conditions and only invest what you can afford to lose.

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