Buy XRP with Paypal

Last updated 13th Dec 2022

In this comprehensive post, we have shared the best and most reliable methods of buying XRP with PayPal using industry-leading brokers, exchanges, and apps. The providers uncovered in this post have been cherry-picked based on noteworthy parameters including but not limited to customer reputation, fees, regulation, UI, and choice of cryptocurrencies.

However, if you’re short on time, the top three platforms for buying XRP with PayPal are eToro and Coinbase.

Top XRP Brokers That Accept PayPal

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eToro - The Overall Best Platform to Buy XRP With PayPal

We recommend eToro as the top choice for buying XRP as it has been labeled as an innovative social investing platform. The provider offers trusted payment processors like PayPal and a fair fee structure for trading XRP. To learn more, check out our eToro review.

Best Ways to Buy XRP With PayPal

You can buy XRP with PayPal using various methods, as summarized in the list below.

  • XRP Brokers

  • XRP Derivatives such as CFDs

  • XRP Exchanges

  • XRP P2P Services

  • XRP Apps

Best Brokers to Buy XRP With PayPal

Brokers are one of the more popular methods for buying XRP with PayPal. It’s a good choice for beginners because the buying and selling process is handled by the brokers on your behalf. The top three brokers for buying XRP with PayPal are listed in the table below.

ProviderPayPal Fee (USD 1000)Get Started
🥇 eToro$0Start with eToro now
🥈 Coinbase$0Start with Coinbase now

The brokers listed in the table above were selected because the platforms offer competitive trading fees, innovative features, and have an excellent reputation among customers. Also, the platforms support many payment options, including PayPal with no deposit fees.

eToro - It’s the Safest Platform Because of Strict Regulations

Look no further than eToro if you want a trusted XRP broker that is regulated by notable regulators like FinCEN, FINRA, CySEC, ASIC, and the FCA. Also, you can read the provider’s social media platforms and review portals to discover the high praise from existing customers.

You won’t be charged a fee for using PayPal to buy XRP - instead, there is a spread of 0.75%. Therefore, you’ll save money compared to brokers that charge high fees for buying or selling XRP.

The CopyTrader feature from eToro ensures that users can mimic the trades of other users. Therefore, beginners can find successful traders and copy their strategies to get similar results. This feature helps beginners to potentially profit from trading cryptocurrencies without a long learning curve.

The downside of buying XRP on eToro is the withdrawal fee of $5 and the inactivity fee.

Buy XRP on eToro With PayPal: Step-By-Step Guide

Step 1: Open eToro
Step 2: Verify your identity
Step 3: Deposit
Step 4: Buy Ripple
Additional Step: Send Ripple to a wallet

Buy Ripple On eToro Now

Best CFD Brokers to Buy XRP With PayPal

CFD trading is treated as an illegal event in the United States. This can be traced back to the fact that CFD is an over-the-counter (OTC) product. Hence, you cannot find the platforms in the United States offering CFD trading. SEC (Securities and Exchange Commission) and the Commodity Futures Trading Commission (CFTC) prohibits the citizens and residents of the United States to open a CFD account on domestic and foriegn applications.

Best XRP Exchanges to Buy XRP with PayPal

Another consumer-friendly method of buying XRP is through centralized exchanges. These platforms allow you to buy XRP using FIAT currencies with many payment methods, including PayPal. Exchanges are intermediaries that handle transactions on behalf of the user.

ExchangePayPal Fee (USD 1000)Get Started
🥇 eToro$0Get started with eToro now
🥈 Coinbase$0Get started with Coinbase now
🥉 Crypto.com$0Get started with Crypto.com now

Exchanges selected in the table above are some of the biggest names in the cryptocurrency industry with massive trading volume. The strong reputation of these platforms signal reliability, hence, you can trust these exchanges with your hard-earned money. Also, these providers support many cryptocurrencies - for example, 220+ in Coinbase.

Furthermore, these XRP exchanges offer some of the most competitive fees in the industry. Most importantly, you’ll love the committed and responsive customer support teams.

How to Buy XRP With PayPal on an Exchange

XRP is among the popular cryptocurrencies, so you can readily find it on most exchanges, including Coinbase, Crypto.com, and more. To start the XRP buying process with PayPal, you’ll need to register a new account and complete the onboarding process that also requires KYC verification.

It is important to note that not all exchanges support buying XRP using PayPal. Hence, it is important to confirm this before signing up. When you have created a new account on an exchange supporting PayPal deposit, head over to the deposit page, and select PayPal as the payment method. Note that you might experience limitations on how much you can deposit per transaction using PayPal.

How to find XRP on an exchange: head over to the trade section of the exchange’s UI and look for XRP. You can find this asset at the top of the list because it’s a popular cryptocurrency. Alternatively, you can use the search bar to find the coin.

Altcoins and XRP

You can also buy XRP using altcoins, which means there is no need to use PayPal. Start the buying process by searching for XRP in the trade UI and select the altcoins you want to trade for XRP.

Furthermore, you can use XRP to buy altcoins, and the available coins depend on the exchange where you are trading. Start by buying XRP using FIAT currencies and search for the altcoin you wish to buy. Next, enter the amount you want to buy, and the trading fee will depend on the exchange where you are trading.

Coinbase - Best Choice for The Large Cryptocurrency Selection

Coinbase is one of the biggest centralized crypto exchanges in the world and offers 500+ trading pairs. Therefore, you can trade XRP with many altcoins, thereby opening a world of opportunities.

You can get started on Coinbase with a minimum trade amount of $2, so you can test-drive the platform with minimal financial investment. Therefore, beginners can determine if the world of crypto trading is for them. Also, the UI is easy to use for first-timers, so the learning curve is small.

Can I Use Decentralised Exchanges With PayPal?

The first decentralized exchanges were introduced in 2014 and opened the doors for the users to trade cryptocurrencies without the intervention of third-parties in the transaction. Decentralized exhanges do not require users to register an account - not even a phone number or email is required. You simply need to have a DeFi wallet and connect it to the DEX. This enables you to trade tokens anonymously.

However, you cannot use PayPal to interact with DEXs directly. Instead, you need to load a DeFi wallet with tokens, which can be purchased using PayPal on a CEX. Once the tokens are purchased with FIAT currencies on a CEX, you can transfer them to your DeFi wallet and use the tokens to trade on DEX.

Best Ripple P2P Platforms to Buy XRP With PayPal

There are no worthwhile platforms to use that offer P2P services for buying Ripple. Instead, you can search for local crypto forum groups and facilitate trades in person. However, when trading in person, wait until the transfer is complete to avoid getting scammed.

Crypto.com - Best Choice for Lowest Fees

Established in 2019, Crypto.com is one of the most reputable cryptocurrency exchanges in the United States with a solid cybersecurity infrastructure, large selection of the cryptocurrency assets, and a wide range of product offerings including but not limited to Metal Visa Cards, DeFi Wallet, Derivatives Trading, Margin Trading, NFT, and more.

Most importantly, the fee structure at Crypto.com is one of the cheapest in the industry. The trading fee for spot and margin trading ranges from 0% to 0.0750% based on the 30-day trading volume.

Best Apps to Buy XRP With PayPal

Mobile apps are a convenient method of buying XRP with PayPal even if you are on the move. Also, you don’t lose any features or functionalities when moving from the browser version to the mobile app. To get started with the top-tier mobile apps for buying XRP with PayPal, check out the providers in the table below.

ProviderOSPayPal Fee (USD 1000)Get Started
🥇 eToro AppAndroid / iOS$0Start with eToro now
🥈 Coinbase AppAndroid / iOS$0Start with Coinbase now
🥉 Crypto.com AppAndroid / iOS$0Start with Webull now

The mobile apps listed in the table above are popular among the users in not only United States but other parts of the world as well. The Google Play store and App store reviews are also excellent. Furthermore, these platforms have a competitive fee structure and an extensive range of cryptocurrencies to trade, including XRP. Finally, the fast registration processes on these platforms mean you can test-drive multiple companies in a short time period and find the one that blends with your style.

eToro App - Top Choice for User-Friendliness

The UI/UX engineering at eToro is mesmerizing and undoubtedly, one of the best in the business. You can complete the registration process or transaction with a minimal number of steps. Also, locating XRP or other cryptocurrencies is easy with handy search features.

The app does a great job of customizing the experience, so you can receive updates and alerts on matters that are of interest to you. For example, you can receive updates on the price of XRP and news highlights related to this coin or any other cryptocurrency.

However, XRP does not have the most competitive fees, and its customer support team can sometimes delay the response.

Buy XRP on eToro App With PayPal: Step-By-Step Guide

Step 1: Create an account
Step 2: Verification
Step 3: Deposit money
Step 4: Buy XRP

Buy Ripple On eToro Now

Buy Ripple Directly on the PayPal App

You cannot buy XRP directly on the PayPal app because it supports only four cryptocurrencies including Bitcoin, Bitcoin Cash, Ethereum, and Litecoin.

How to Buy Ripple on PayPal

Since Ripple is not available to buy directly from the PayPal app, you will need to explore other options like exchanges and brokers.

Exchange or a Broker: What Are the Differences When Buying XRP With PayPal?

There are several differences between buying XRP via an exchange or broker. In this section, we will outline those differences so you can better decide which XRP trading platform is the right choice for you.

Buying XRP With PayPal Using Exchange

You can buy XRP on a centralized exchange using FIAT currency, and you own the asset. Therefore, you can transfer the coin to a crypto wallet for use on other exchanges.


Lots of choices
Many cryptocurrencies available
Excellent user interfaces


Hacking possibility
Transaction charges

Buying Ripple With PayPal Using a CFD Broker

CFD brokers do not grant you ownership of the asset you’re trading. Instead, you’ll enter into a contract which means that you’ll have to settle the difference in the coin’s price at the start and end. The point of CFD transactions is to potentially profit from the coin’s price movements.


No stamp duty
Low barrier to entry
Can invest in rising and falling markets
High leverage


Investors pay the spread
Poor regulation
High volatility
CFD trading is illegal in the United States

Is It Worth Buying XRP With PayPal?

This section summarizes whether it’s a good choice to use PayPal as a deposit method when buying XRP at a CEX or broker. Overall, we recommend using PayPal - especially if you already have an account, since no further registration is required.

PayPal is a good choice because it’s widely available, there are no deposit fees, and transactions are instant. On top of that, PayPal also protects your eligible transactions from fraud and other incidences.

However, you may face limitations regarding the amount of XRP you can buy in a single transaction, and PayPal is not available on some trading platforms.

Is PayPal the Fastest Way to Buy XRP?

PayPal is among the fastest methods of buying XRP because it offers instant processing times. However, PayPal’s customer support team may sometimes freeze transactions for inspection to ensure fraudulent activity isn’t occurring. You can also buy XRP with a credit card and enjoy fast transactions.

Is PayPal the Safest Way to Buy XRP?

PayPal is among the safest methods of buying XRP because the company has a proven track record and an overwhelmingly positive reputation. Also, it’s regulated by government-appointed regulators, so you can trust the platform with your money. Finally, they ensure transactions and account logins go through two-factor authentication to protect customers.

Is PayPal the Cheapest Way to Buy XRP?

PayPal is a cheap method of buying XRP since there is no deposit fee on most trading platforms. Therefore, you are getting a great deal that cannot be beaten by alternative payment methods. However, there is a trading fee you have to consider when using the platform’s account balance to buy XRP.

What Are the Fees When Buying XRP With PayPal?

The table below summarizes the various fee types you’ll pay when buying XRP with PayPal at the top platforms.

PlatformeToro BrokerCrypto.comCoinbase
Deposit fees$0$0$0
Purchase fees$10$0 to $0.75$0 to $6
Holding fees$0$0$0
Selling Fees$10$0 to $0.75$0 to $6
Payout fees$50.25 XRP$10
Total fees$25$0 to $0.75$0 to $6

Is Buying XRP With PayPal Anonymous?

You cannot buy XRP with PayPal anonymously in most cases, as you’ll see in the following section.

Can You Buy XRP With PayPal Without Verification or KYC?

You’ll need to verify your identity and complete the KYC process with most brokers and centralized exchanges. Therefore, using PayPal as the payment method on these platforms, you cannot buy XRP anonymously. However, you can buy XRP anonymously at decentralized exchanges without using PayPal.

Can You Buy XRP With PayPal Without Registration?

You’ll need to register an account with PayPal and the trading platform to buy XRP. Therefore, it’s not possible to buy the coin without registration unless you use a decentralized exchange. To trade on a DEX, you simply need to load your DeFi wallet with tokens and connect it to the DEX.

Reason to Buy XRP With PayPal

When deciding on any payment processor for buying XRP, you need to consider its strengths to figure out if it’s a good match for your needs. PayPal offers benefits such as wide availability on popular XRP trading platforms, no deposit fees, and fast processing times.

Alternative Payment Options to Buy XRP With USD

You may need to access alternative payment methods if you no longer have access to your PayPal account or you aren’t happy with the service of the payment processor. Below you’ll find good alternatives for buying XRP at popular brokers and CEXs.

Buy XRP With Debit Card, Credit Card, or Amex

Using debit or credit cards also offers instant processing speeds, and they are available on most XRP trading platforms. Also, most people already have a card in their possession, so there is no need to register a new account. Exchanges like Binance and Bitpanda allow users to use their debit and credit cards to buy cryptocurrencies like Ripple.

Buy XRP With Bank Transfer

Bank transfer is an easy-to-use and convenient method to fund your cryptocurrency exchange or broker account with fiat. Some of the top platforms accepting bank transfers as the mode of deposit include Coinbase and Crypto.com.

Buy XRP With PaySafeCard

No personal information is attached to PaySafeCard transactions, which allows transactions to be discreet. Also, it’s a viable option if you don’t have access to a bank account or other payment method.

Buy XRP With PayPal on Digital Wallets

You cannot directly buy cryptocurrencies from digital wallets like Apple Pay, Google Pay, and Neteller. You will need to navigate to the platforms like Paxful and LocalCoinSwap that allow users to top-up the account using digital wallets.

What to Consider When Buying XRP With PayPal

You should set the right expectations when buying XRP by taking a few points of consideration into account. Below is a small checklist to think about before buying XRP:

  • PayPal support: check the payment options list before registering a new account to ensure that PayPal is supported by the broker or centralized exchange.

  • Fees: there are usually no deposit fees for using PayPal, but you’ll need to pay trading fees, and some platforms charge withdrawal fees. You should compare the fees to find an XRP trading platform that offers excellent value for money.

  • Taxes: in the United States, you’ll need to share your cryptocurrency gains and losses with the IRS by submitting the IRS Form 8949. However, if you live in a different location, then check the local laws to ensure you comply.

  • Safety: look for XRP trading platforms with strong security protocols like encryption and two-factor authentication. Also, consider where you’ll store the XRP once you have bought it from the CEX or DEX - ideally, transfer it to a cold storage wallet like Ledger Nano X.

  • Amount: do not buy more cryptocurrency than you can afford to lose. Cryptocurrencies are more volatile than most FIAT currencies so ensure you are comfortable with the amount of crypto you buy.

How to Sell XRP Using PayPal

You cannot directly sell Ripple (XRP) using the PayPal app but platforms like eToro allow users to sell the cryptocurrencies like XRP and move the realized fiat amount to the PayPal account.

Check all the steps below:

  • Step 1: Log in to your eToro account and click on Portfolio from the left. This will display the details about your cryptocurrency holdings.

  • Step 2: Click on the cryptocurrency from the portfolio you want to sell and click on the red cross button at the far right.

  • Step 3: A pop-up will appear displaying the details on live rates. Review the details and click on the Close Trade button.

The fiat currency received after selling the cryptocurrency like XRP will be added to your eToro account which you can withdraw to your bank account or PayPal account.

Do All Platforms Accept PayPal to Buy XRP?

PayPal is accepted by many XRP trading platforms, but not all. Below is a table with PayPal’s availability at popular providers.

ProviderPayPal AcceptedReview
CoinbaseYesRead Coinbase review
BinanceNoRead Binance review
LunoNoRead Luno review
WirexYesRead Wirex review
PoloniexNoRead Poloniex review

Should I Buy XRP With PayPal?

In conclusion, buying XRP with PayPal is a good choice because it’s available at most top-tier trading platforms, processing times are instant, and there are no deposit fees. Also, PayPal is a reputable brand that’s strongly regulated. However, you can’t buy XRP using PayPal directly, since you need to deposit funds to a trading platform and use the account balance to buy the coin. Finally, XRP is not available for direct purchase within the PayPal app.

PayPal is offered at some of the biggest names in the cryptocurrency trading industry, including eToro, Coinbase, and Crypto.com.

Can I Buy Any Other Cryptocurrencies With PayPal?

You can buy only four cryptocurrencies directly from the PayPal app including Bitcoin, Ethereum, Bitcoin Cash, and Litecoin. However, if you are using an exchange that accepts PayPal as the deposit method, then you can use the funds in your PayPal account to top up the exchange account and buy any cryptocurrency available on the exchange.


Where is the best place to buy XRP with PayPal?
Does PayPal accept XRP as a deposit method?
Is it illegal to buy XRP with PayPal?
Can you send XRP with PayPal?
Can you store XRP on PayPal?
Can you buy Ripple with PayPal under 18?
Can you buy XRP with PayPal on the blockchain?

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Khashayar Abbasi

Khashayar Abbasi

Khashayar discovered Bitcoin back in 2014 and has since spent countless hours researching the different use cases of cryptocurrencies. He has a bachelor's degree in International Relations and has been a writer in the financial services industry for nearly half a decade. In his spare time, Khashayar enjoys photography, cycling, and ice skating.