Best Exchange to Buy XRP 2025

XRP Exchange Comparison

Exchange	XRP Status	Trading Fee	Withdrawal
Kraken	✓ Never delisted	0.16-0.26%	0.25 XRP
Coinbase	✓ Relisted 2023	0.40-0.60%	Network fee
Binance.US	✓ Available	0.10%	0.25 XRP
Crypto.com	✓ Available	0.075-0.40%	0.25 XRP
Gemini	✓ Relisted 2024	0.20-0.40%	10 free/mo

Our Top Picks

Best Overall

Kraken

Kraken never delisted XRP during the SEC lawsuit, building trust with the XRP community. They have the deepest XRP liquidity among US exchanges, lowest fees (0.16% maker), and a solid track record.

✓ Never delisted ✓ Deep liquidity ✓ Low fees

Easiest

Coinbase

Coinbase relisted XRP in 2023 after the SEC ruling. Best mobile app and UX, though fees are higher than Kraken. Great for beginners who want a simple buying experience.

✓ Best UX ✓ Instant buys ⚠ Higher fees

Cheapest

Binance.US

Lowest trading fees at 0.10% flat. Good XRP liquidity and multiple trading pairs. Not available in all states (NY, TX restricted).

✓ 0.10% fees ✓ Multiple pairs ✗ State restrictions

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? +

The July 2023 court ruling provided significant regulatory clarity. XRP is widely available on US exchanges. As with all crypto, price volatility and regulatory risks remain, but the existential SEC threat has largely passed.

What wallet should I use for XRP? +

XUMM (now Xaman) is the most popular XRP wallet. Hardware wallets like Ledger also support XRP. Remember that XRP wallets require a 10 XRP minimum reserve that can't be spent.

Why is there a 10 XRP reserve? +

The XRP Ledger requires a minimum reserve to prevent spam and maintain network efficiency. Currently 10 XRP, this amount is locked and can't be spent or withdrawn. It may decrease as the network evolves.

How fast are XRP transactions? +

XRP transactions settle in 3-5 seconds with fees under $0.01. This makes it one of the fastest and cheapest cryptocurrencies for transfers—ideal for moving funds between exchanges.