Quick Verdict
Kraken never delisted XRP and has the deepest liquidity. Coinbase relisted XRP and offers the best UX. Binance.US has the lowest fees. All support instant XRP transfers—just don't forget the destination tag!
XRP Exchange Comparison
| Exchange | XRP Status | Trading Fee | Withdrawal |
|---|---|---|---|
| Kraken | ✓ Never delisted | 0.40-0.80% | 0.25 XRP |
| Coinbase | ✓ Relisted 2023 | 0.40-0.60% | Network fee |
| Binance.US | ✓ Available | 0-0.02% | 0.25 XRP |
| Crypto.com | ✓ Available | 0.075-0.40% | 0.25 XRP |
| Gemini | ✓ Relisted 2024 | 0.60-1.20% | 10 free/mo |
Our Top Picks
Kraken
Kraken never delisted XRP during the SEC lawsuit, building trust with the XRP community. They have the deepest XRP liquidity among US exchanges, a 0.40% maker fee on Kraken Pro, and a solid track record.
Coinbase
Coinbase relisted XRP in 2023 after the SEC ruling. Best mobile app and UX, though fees are higher than Binance.US. Great for beginners who want a simple buying experience.
Binance.US
Lowest trading fees at 0% maker / 0.02% taker. Good XRP liquidity and multiple trading pairs. Not available in all states (NY, TX restricted).
Critical: XRP Destination Tags
⚠️ ALWAYS Include the Destination Tag
XRP requires a destination tag (also called memo) when sending to exchanges. This identifies your account. Sending without it means:
- • Your XRP goes to the exchange's general wallet
- • It's NOT automatically credited to your account
- • Recovery requires support tickets and may take weeks
- • Some exchanges charge fees to recover tagless deposits
XRP Quick Facts
Transaction Time
3-5 seconds
Transaction Fee
~$0.0002
Minimum Wallet Balance
10 XRP (reserve)
Primary Use Case
Cross-border payments
The SEC Lawsuit Resolution
In July 2023, the court ruled that XRP itself is NOT a security when sold on exchanges (though institutional sales may be). This led to:
- ✓ Coinbase, Gemini, and others relisting XRP
- ✓ Increased US exchange availability
- ✓ Greater regulatory clarity for XRP holders
Note: Appeals may continue, but the immediate impact has been positive for XRP accessibility.
How to Buy XRP: Step by Step
- 1 Create account on your chosen exchange and complete verification
- 2 Deposit USD via ACH (free, 3-5 days) or debit card (instant, ~2-4% fee)
- 3 Search for XRP in the trading pairs (XRP/USD is most common)
- 4 Place order — limit order for lower fees, market order for instant execution
- 5 Withdraw (optional) — remember the destination tag if sending to another exchange/wallet
Frequently Asked Questions
Is XRP safe to buy now? +
What wallet should I use for XRP? +
Why is there a 10 XRP reserve? +
How fast are XRP transactions? +
The Bottom Line
XRP is back on most US exchanges after the SEC ruling. Kraken is best overall—never delisted, deep liquidity, low fees. Coinbase is easiest for beginners. Binance.US is cheapest if available in your state. Always include the destination tag when transferring XRP!
Compare All Exchanges