Step 1
Choose an exchange
Compare the fee table above to find the cheapest exchange for buying XRP. Consider maker vs taker fees, deposit methods, and whether the exchange is available in your country.
How to buy XRP
How to Buy XRP — Cheapest Exchange Comparison (2026)
The native token of the XRP Ledger, designed for fast and low-cost cross-border payments. XRP settles transactions in 3-5 seconds. After Ripple's partial legal victory against the SEC in 2023, XRP regained listing on most major exchanges.
Quick Answer
Compare fees across 10 exchanges to find the cheapest way to buy XRP. The lowest spot maker fee is currently offered by MEXC at 0%.
Fee comparison
Exchange fees for buying XRP (XRP)
Compare spot and futures trading fees for XRPUSDT across all 10 major exchanges. Sorted by lowest spot maker fee by default.
| Exchange | Spot Maker ↑ | Spot Taker | Futures Maker | Futures Taker | Discount |
|---|---|---|---|---|---|
| MEXC | 0% | 0.05% | 0% | 0.01% | Zero maker fees by default |
| Coinbase | 0.04% | 0.08% | 0% | 0% | Advanced Trade rates shown |
| OKX | 0.08% | 0.1% | 0.02% | 0.05% | OKB holders get lower tiers |
| Binance | 0.1% | 0.1% | 0.02% | 0.05% | BNB discount to 0.075% |
| Bybit | 0.1% | 0.1% | 0.02% | 0.055% | VIP tiers available |
| KuCoin | 0.1% | 0.1% | 0.02% | 0.06% | KCS discount to 0.08% |
| Bitget | 0.1% | 0.1% | 0.02% | 0.06% | BGB token discount |
| Kraken | 0.16% | 0.26% | 0.02% | 0.05% | Pro rates shown |
| Gate.io | 0.2% | 0.2% | 0.015% | 0.05% | GT token discount |
| HTX | 0.2% | 0.2% | 0.02% | 0.04% | HT token discount |
Step-by-step guide
How to buy XRP in 5 steps
A beginner-friendly guide to purchasing XRP on a centralized exchange.
Step 2
Create and verify your account
Sign up on your chosen exchange and complete identity verification (KYC). This typically requires a government-issued ID and may take a few minutes to a few days depending on the exchange.
Step 3
Deposit funds
Deposit fiat currency (USD, EUR, etc.) via bank transfer or card, or transfer crypto like USDT from another wallet. Bank transfers usually have lower fees than card deposits.
Step 4
Buy XRP
Navigate to the XRPUSDT trading pair. Use a limit order to get the maker fee rate (usually cheaper) or a market order for instant execution at the taker fee rate. For large purchases, consider splitting into multiple orders.
Step 5
Secure your holdings
After buying XRP, consider your storage options. For active trading, keep funds on the exchange. For long-term holding, transfer to a hardware wallet (Ledger, Trezor) or a reputable software wallet for better security.
Buy XRP
Ready to buy XRP?
Choose an exchange below to start buying XRP. Fees shown are base-tier rates — higher-volume traders may qualify for lower fees.
Buy XRP on BinanceRecommended for this page
This site may earn commissions from affiliate partnerships. Recommendations are based on structured comparison criteria, not paid placement alone.
FAQ
Frequently asked questions about buying XRP
What is the cheapest way to buy XRP?
The cheapest way to buy XRP is to use a limit order (maker) on an exchange with low maker fees. MEXC currently offers 0% maker fees, making it the cheapest option for limit orders. For market orders, compare the taker fees in the table above.
Can I buy XRP with USD or EUR?
Most major exchanges support fiat deposits for buying XRP. Coinbase and Kraken offer direct USD purchases. For EUR, Kraken and Coinbase are popular options. You can also deposit stablecoins like USDT first and then trade the XRP/USDT pair.
Is it safe to buy XRP on a centralized exchange?
Centralized exchanges offer convenience and liquidity but require trust in the platform. To minimize risk: use exchanges with strong security track records, enable two-factor authentication, consider withdrawing large holdings to a personal wallet, and only use regulated exchanges available in your jurisdiction.