Best Exchanges to Buy Ripple (XRP) in USA [2021 Update]

Looking at the list of most popular cryptocurrencies out there, XRP is definitely on the top. Love it or hate it, it recently managed to overtake Ethereum as the second most valuable cryptocurrency on the market. This tells you there are still more than enough investors interested in forking out their hard earned money and purchasing the tokens of a project that some feel is the future of cross-border transfers. The investor pool seems to be growing with noticeable intensity in USA; in an attempt to help out these new potential members of the XRP army, we’ll be taking a look at some of the most popular options for purchasing this cryptocurrency out there.

With its billions in funding and large number of advisors, Ripple Labs (the company) and their XRP token stands out among cryptocurrencies. It could become one of the most popular digital assets by market cap.

According to its site, Ripple has been adopted by financial institutions including American Express (AXP), Bank of America (BAC ), Citigroup (C), HSBC Holdings Plc (HSBC ), JPMorgan Chase & Co ( JPM ), Royal Bank of Canada (RY ), UBS Group AG (UBSG ), Wells Fargo & Co ( WFC ), Western Union (WU ), and others. It’s worth noting that most banks use XRP for cross border payments rather than fiat currency.

Ripple’s partnership network is unparalleled among its competitors in the crypto market.

XRP can be purchased either by using fiat or by using cryptocurrency like Bitcoin, Ethereum, or Tether. Where to buy XRP in USA 2021? These options are available on cryptocurrency exchanges; some of the most often used platforms include Coinbase, Binance, Kraken, Bittrex, Bitfinex, OKEx, Huobi, Bitstamp, Upbit, Poloniex. There are other platforms out there that support XRP trading; which one you pick should depend on the platform’s reputation, fees, and ease of trading.

11/23/2021 Update
At the end of 2020, the SEC filed a lawsuit against Ripple which lead to many exchanges suspending XRP listings and it got harder to buy or trade XRP in the US. Currently, you can do it on, Uphold or Kucoin.

Buying XRP in the US – best way to buy with fiat app is often praised for its simple yet effective trading options, supporting both the needs of beginners as well as the more experienced traders. is popular in crypto circles as a go-to place for gem hunters as the exchange is known to list new coins very fast. XRP is among the most traded coins on with its USDT pairing. supports credit card payments and bank transfers but they also have their own P2P marketplace where you can buy XRP directly from other users, similar to Localbitcoins or Paxful.

Some of the features this app has to offer are:

  • store, trade, and lend cryptocurrencies
  • limit buy/sell orders
  • conditional orders (take-profit, stop-loss)
  • spot exchange, margin trading, and perpetual contacts
  • supports Mainnet swap, claim or forked coins for the majority of cryptocurrencies

Their support is available via live chat, as well as the ticket system. Also, they maintain a low level of trade and withdrawal fees, and their interface is multi-language supported. 

  • Appstore user review 4.0 / 5
  • Google Play user review 4.1 / 5 
  • most common user complaint: sometimes flagged as malware, the slow withdrawal process

Visit Now

Coinbase – the easy way

Probably the most popular cryptocurrency exchange/bank on the market, Coinbase long refused to add XRP into its trading lineup. However, this changed in late February of 2019 when investors were finally given the ability to purchase XRP through the retail platform/mobile apps. The service is apparently not available for the residents of the state of New York.



Coinbase will require you to have an account on the platform before purchasing any crypto from there. Enter your first name, your last name, your email address and choose a password. After doing so, you’ll need to accept the platform’s User Agreement and Privacy Policy. Then you can click on the “Create Account” button. A verification e-mail will be sent to your email address; after clicking the verification link provided in the email, your account will be ready to go.


To verify your identity, you’ll be required to upload some identification documents to the platform. Standard KYC/AML documents like your driver license or your state ID will suffice. You’ll also need to enter your date of birth, your address, your city of residence/postal code, your intentions with your Coinbase account, source of your funds, current occupation and employer.


Your account can be funded either through a bank account, through your debit card, or with a wire transfer. The first option usually takes 4-5 days to have your funds credited to you, the second is instant, and the third one should be completed in 1-3 days. You can link designated payment methods to your Coinbase account either by navigating to on web or selecting Settings > Linked Accounts on mobile.

When linking a bank account, most banks can be linked instantly and securely by providing your online banking username and password when requested. Additional security questions (as well as a PIN) may be required as well depending on your bank’s security procedures. To link your bank account, go to your “Accounts” page, select Link a New Account, click Bank Account and hit continue. Next you will be presented with a screen where bank logos are displayed. Type in the name of the bank you would like to link. Enter your bank’s login credentials. Once you complete this process, your bank account will be instantly linked and available to use.

Alternatively, you can manually link your bank account if your bank isn’t shown on the list of accounts. Scroll down to see ‘Don’t see your banks? Search instead.’ Search for a non-listed bank will display ‘Don’t see your bank?’ at the bottom of the prompt. Select ‘Link your bank manually.’ A new prompt will appear. Select Get Started. You will be asked for your bank’s routing number, your bank account number, the name on the bank account, and type of account being linked (Checking or Savings). Enter your banking details and full name then select Verify Account. Note that the name on the linked bank account must match the verified name on your Coinbase account.

Coinbase will then initiate two small test deposits to your account. Once the deposits have reached your account (generally in 2-3 business days), you can verify the amounts by clicking on the ‘verify’ button for your bank account on the Linked Accounts page. Once you deposit your funds, you can go ahead and buy your XRP. You can also use your linked bank account to receive proceeds from Sell orders or withdrawals from your USD Wallet.

If you would have bet on the right coins this year you could easily have 10xed your capital…

You could even have made as much as 100x which means you could have turned $100 into as much as 10k.
Experts believe this will happen again in 2022, the only question is which coin do you bet on?
Our friends from WhaleTank are on top of it, working non-stop to find the best gems one can buy on the market.
Click here to test them out by joining their Telegram group.

As for debit cards, Visa and MasterCard can be used to buy crypto on Coinbase. Photo ID verification will likely be required before adding a card. Navigate to the ‘Link a New Account’ dialog and provide your card information as requested. Two small, temporary debits will be applied to your card. View your card’s online banking statement to find the two amounts and enter only the “cent” portion of the amounts to complete the verification. You can now make a purchase by selecting your card on the payment methods menu on the Buy page.

Finally, Coinbase can only accept wires if:

  • The name on the bank wire matches the legal name on your Coinbase account
  • The wire is sent from a US-based bank account
  • Your unique reference code or Coinbase wire account number is included with the wire deposit

Wire deposits are only available for amounts of $5,000 or more. You must complete your account verifications to obtain a USD wallet. To deposit using a bank wire, you need to go through the following steps:

  • Select the Accounts tab
  • Select your USD wallet
  • Click on the Deposit button
  • Select Wire Transfer tab from the Deposit USD menu

Use the information displayed to initiate a Wire transfer denominated in USD from your bank account. ​ Be careful not to send an overnight or next day *ACH*. Only actual bank wires (“FedWire”) are supported at this time. After the deposit has cleared, the funds will be available in your Coinbase USD Wallet.

Alternatively you can purchase XRP with Bitcoin. Just fund your Coinbase wallet with BTC and use it to buy your desired cryptocurrency.

BUY XRP on Coinbase

Coinbase currently offers XRP/BTC, XRP/USD, and XRP/EUR markets. So, how to buy XRP in USA 2021? Go to the “Buy XRP” tab, select your payment method, and enter the amount of money you are willing to spend/amount of XRP you wish to purchase. Click on the Buy XRP button and enjoy your newly-acquired cryptocurrency.

Be aware that Coinbase will charge you a transaction fee of 3.99% for every payment you make using a debit or credit card. Credit/debit card transactions are normally instant. 

Kraken – the cheap way



Go to and create an account. After you enter your information and click Sign Up, Kraken sends you an email to verify your account. Activate your Kraken account by clicking the link in the email or copying and pasting the activation key in Kraken’s account activation page.


Verify your account by going to Account > Get Verified on the Kraken website. To make bank deposits required to buy XRP, Kraken requires Tier 2 customer verification. This means providing customer identification information, such as your name, phone number, and address. (Note: In some jurisdictions, Tier 3 verification is required to make bank deposits. Tier 3 verification requires uploading a valid government-issued photo ID and proof of residence documentation.)


After you verify your account, deposit funds to your Kraken account by going to Account > Funding > Deposit and selecting the type of deposit. US domestic FedWire transfers, high limit international wire transfers, SEPA bank transfers, international wire transfers and Canada domestic wire transfers are all available. This support article explains the entire deposit on Kraken process better.

BUY XRP on Kraken

Place an order to buy XRP by going to Account > Trade > New Order. Select the currency pair with the fiat currency that matches the currency of your deposit. The currency pair you select determines which currencies are bought and sold. For example, if you select XRP/USD, clicking Buy means that you buy XRP and sell USD. For more information about trading on Kraken, see Trading Basics available in the Kraken Support Center.

In the New Order tab, select the Simple interface and place a Buy order for XRP. Enter the amount of XRP that you want to buy. You can choose to buy at the current market rate or place a limit order. To buy XRP with your USD:

  • Select the XRP/USD from the currency pair drop-down menu.
  • In the New Order tab, select the Simple interface and place a Buy order for XRP.
  • Enter the amount of XRP you want to buy and submit your order.

Coinmama – the fast way


Coinmama is a specific crypto exchange in a sense that it never got to add other features to its platform aside of simple crypto purchasing for fiat currencies. To buy on Coinmama, you will need your own wallet ready since the exchange never stores your coins on their servers – it instantly sends them to your wallet address after you deposit your USD.

Coinmama is one of the exchanges that perfected the verification process, hence it frequently tops the ranks of fastest ways to buy bitcoin. Verification times may vary, but at for the lowest tier it can take just a few minutes to complete the initial verification, assuming you have your documentation (driver’s licence, a clear selfie and personal information) ready.

Coinmama isn’t the cheapest option, but it is fast.

BUY XRP on Coinmama

Best exchanges for trading XRP in the US


eToro is a well established financial platform offering a wide range of financial trading services. They have expanded their offering to include crypto currencies with some unique benefits such as fee-less trading and margin trading. It is also one of the rare services where you can buy crypto with PayPal.

Even though eToro is more known as a CFD broker, they only offer purchasing of real cryptos for their US customers.

Once you buy your XRP coins (on eToro or elsewhere), unique eToro features like the so called social trading will be of immense help to all newbie traders. With the help of eToro CopyTrader and CopyPortfolio, you can follow and copy trading moves of the platform’s top traders. And all of it is super easy to do.

Read more about it in our full eToro review.

Trade XRP on eToro


Bitstamp has recently acquired the infamous BitLicense, giving it the right to operate on the territory of the state of New York. Other USA states are also able to register on the platform and purchase crypto. To purchase XRP you will first need to open and verify your Bitstamp account. When the account verification is successfully completed, you will be able to deposit funds and purchase XRP.


  • To open a Bitstamp account visit:
  • Enter your information: your name, surname, email address, country of residence. An email with username and password will be sent to your registered email address.
  • Verify your account: Go to your e-mail and click the link provided in the verification e-mail.
  • Use the provided user name and password to login to your newly created Bitstamp account:
  • For additional security, enabling two-factor authentication is recommended:


To submit a verification request visit: Enter the required information and upload your documents. The documents will include the standard ones you see on similar KYC/AML enforcing platforms. Click SUBMIT VERIFICATION REQUEST to proceed. Verification request is now submitted and Bitstamp will review it in the upcoming days. After completing the review, they’ll send you the results to your registered email address. If you require further assistance with account verification, please open a support ticket here: Once successfully verified, you will be able to deposit funds and purchase XRP.


To fund your account visit: Select the preferred depositing method in the left-side menu. You can deposit funds either via SEPA, International Wire Transfer or by using your credit card. Fill out the required information and press DEPOSIT to proceed. On the next page, Bitstamp’s banking details will be provided. To deposit funds to your Bitstamp account, please send the transfer to the provided bank account from a bank account held in your name; even though you cannot link a personal bank account to your Bitstamp account, sending from your own account can spare you some future headaches. Your deposit will take from 1 to 5 days to be processed by your selected payment system. When the funds are credited to your Bitstamp balance, you will receive a notification to your registered email address. You can check your account balance here:


First you will need to select the correct market pairing (XRP/USD, XRP/EUR, XRP/BTC), depending on which currency you wish to use to purchase XRP. Then you’ll need to visit the “Buy/Sell” section: and choose the “BUY XRP”. Enter the amount you wish to spend into the “I want to spend” window. Click Buy XRP to confirm. XRP will be bought and added to your XRP balance.

Buying Ripple in other parts of the world is similarly easy – check this guide on Ripple buying. Once you buy the XRP coin, it is of monumental importance that you transfer those coins to a wallet that you control. Here is a list of the best XRP wallets (and in it you can see that hardware wallets are the safest bet if you want to hold your coins for a long time).


intelligent crypto
How are  regular people making returns of as much as 27,144% in a year?  By picking the right coin at the right time - click the button to learn more.
Crypto arbitration still works like a charm, if you do it right! Check out Bitsgap, leading crypto arbitrage bot to learn the best way of doing it.

CaptainAltcoin's writers and guest post authors may or may not have a vested interest in any of the mentioned projects and businesses. None of the content on CaptainAltcoin is investment advice nor is it a replacement for advice from a certified financial planner. The views expressed in this article are those of the author and do not necessarily reflect the official policy or position of

We will be happy to hear your thoughts

Leave a reply