How & Where to Buy XRP UK: Step-by-Step Guide

Are you thinking about buying XRP? 

We have good news – you can still buy Ripple in the UK, despite an ongoing court case in the US that has Ripple’s crypto XRP delisted with some US exchanges.

Now, if you’re wondering how to buy Ripple UK, you should start by looking for a reputable broker or exchange online. 

And in today’s article, we will tell you all about the top XRP vendors and buying XRP UK with low fees.

Let’s begin with some quick and easy steps to buy XRP UK.

How to Buy XRP UK – Quick Steps

Step 1: Open an account with eToro 

The first thing you should do is head to eToro. Add a few personal details and get verified by providing proof of your identity (who you are and where you live.) So, prepare your passport and utility bill scans.

Step 2: Deposit 

With eToro, you have to deposit at least $10. You can use PayPal, bank transfer, debit card, and so on. There are no deposit fees, by the way. 

Step 3: Search for XRP on eToro 

Now, enter ‘XRP’ in the search bar. That will only take a few seconds – after all, over 6 million eToro users follow XRP.

Step 4: Invest 

The next thing you should do is to buy XRP as a spot trade or invest in an eToro crypto Smart Portfolio. That will allow you to take a strategic position on a range of crypto.

You can also check out eToro’s free in-house CopyTrader facility since newcomers might want to follow the steps of more experienced traders.

Where to Buy XRP UK?

And where should you buy XRP?

Well, it depends on how advanced you want to get in your trading methods. 

Advanced investors probably want to check out crypto exchanges first, for example. But you should be aware that brokers are usually better regulated and simpler to use.

Let’s see what is the best place and way to buy XRP in the UK.

1. eToro – Overall Best Place to Buy XRP UK

Did you know that the eToro app is one of the most downloaded trading apps in the UK?

Moreover, 23m investors are registered with eToro. The thing is, eToro’s regulation by the UK’s stringent Financial Conduct Authority makes it stand out.

Coinbase and Binance don’t have such protection. So, it comes as no surprise that eToro is a market-leading social trading network.

Purchasing XRP with eToro.

With this reliable and beginner-friendly broker eToro, you can buy XRP UK with a minimum investment of $10 (approximately £8). So, if you want to get started small, this is the way to go. 

More importantly, even though eToro charges spread fees on buying and selling crypto (that’s how it usually is), eToro charges low fees, only 1%. 

You can buy XRP UK in three main ways:  

  • Deposit funds in your eToro account using PayPal, Neteller, Skrill, bank transfer, or debit card. You can buy XRP as a single crypto (eToro will store it for you), or you can move it to your free eToro Money crypto wallet. You can also trade the price of XRP against fiat currencies like GBP, EUR and AUD with the help of a currency cross pair.
  • Invest in one of eToro’s crypto Smart Portfolios – positions devised by eToro experts that allow you to get exposure to crypto using different strategies. The service is free, and spread fees apply. You will need to make a minimum investment of $1,000. 
  • If you use eToro’s CopyTrader facility, you can let more experienced crypto investors make the tough decisions for you. CopyTrader is a free service that allows you to review thousands of eToro traders and pick one (or more) whose performance you rate. CopyTrader will use funds that you allocate to match their trading activity in real-time. The system works very smoothly, and it’s a part of eToro’s general commitment to social trading.

In case you decide to transfer Ripple (XRP) out of your main eToro account, the eToro Money crypto wallet will provide you with useful options.

For starters, with your unique wallet address registered on the blockchain, you can send and receive your crypto as you see fit. Also, you can exchange your XRP for other cryptos on eToro’s dedicated crypto exchange, eToroX. 

Another thing we want to mention is the watchlist. This useful feature allows you to flag up crypto as well as other assets and keep an eye on them.

You can buy XRP UK with eToro, but there are over forty other cryptos available. You can easily buy Dogecoin, Bitcoin, Ethereum, Shiba Inu, and so on.

There’s is a wide selection of stocks too; 250+ ETFs, indices, and commodities. Plus, cryptos like Bancor, 0x, dYdX, and Ankr were brought to eToro’s portfolio recently.

If you’re a UK investor, you can buy XRP with PayPal as well as with a debit card.

You can do it by topping up your eToro balance for free and executing the simple trade process. A wide range of deposit methods are accepted, and that makes it the best place to buy Ripple UK. 


  • Regulated by the FCA, ASIC and CySEC
  • Very popular – 23m registered users
  • 45+ crypto assets including XRP, BTC, ETH, EOS, ADA, and SOL
  • Low fees and tight spreads
  • Clean interface
  • Smart Portfolios and CopyTrader
  • Free eToro Money crypto wallet 
  • Smartphone app


  • A flat withdrawal fee of $5

2. Huobi – Top-Rated Crypto Exchange 

Originally, Huobi was a Chinese exchange, but it’s headquartered in Seychelles now.

It has 10 million users, and just like Binance and CEX, you can trade crypto using a variety of methods. You can use a credit card or P2P trading, trade crypto pairs, or swap one crypto for another. Commission on spot trades is 0.2%.

Buy XRP UK with Huobi exchange.

Huobi claims to offer 348 crypto as well as payment options in 57 local currencies and 60 payment options (Visa, Mastercard, AliPay, and Faster Payments.)

You can use Faster Payments to deposit GBP. Currently, you cannot withdraw GBP but that is ‘shortly’ to change, according to Huobi.

For security reasons, it stores 98% of client funds in cold storage (just like Coinbase) and it also runs an in-house security fund that rewards users for reporting potential security issues.

When it comes to crypto finance, you can rely on Huobi. It offers margin trading and crypto staking, as well as crypto loans and a variety of auctions and draws. A free wallet and a smartphone app come in handy as well.

All things considered, Huobi offers a bunch of useful trading tools and a solid range of crypto. The $300 welcome bonus is also an advantage.

The only significant drawback is that Huobi lacks UK regulation, which makes eToro a slightly better option. 


  • Different ways to trade crypto
  • 10 million users
  • 348 crypto on offer (including XRP)
  • Cash incentives on sign-up and deposit
  • Many crypto finance options


  • Not regulated by FCA

3. – Popular Crypto Exchange with User-Friendly Mobile App

Another great way to buy XRP UK is, especially for beginners. According to CoinMarketCap, is one of the ten largest crypto exchanges in the world, regularly handling over £2bn in daily trading volume. 

The platform offers a wide selection of cryptos, including small altcoins, DeFi tokens, and ERC-20 tokens. You can buy XRP with low fees, as the platform only charges a 0.4% maker/taker fee. XRP exchange.

Additionally, offers a beginner-friendly mobile app, which is targeted more toward retail investors. The app enables users to buy XRP instantly with a credit card or debit card (with no fees for the first 30 days.)

After 30 days, each card purchase will accumulate a 2.99% fee. You should bear in mind that also allows FIAT deposits via the app, although it currently doesn’t support FIAT currency on the exchange.

The app also has a lot of useful features, including a crypto debit card that allows users to spend their crypto holdings as if they were FIAT currency.

Furthermore, the app has a ‘Missions’ section where users can complete tasks and earn rewards in CRO, the platform’s native token.

Last but not least, XRP holders can store their holdings in the wallet app. That way, you can have complete control over your private keys and biometric authentication.


  • Low maker/taker fees
  • Crypto debit card feature
  • You can instantly buy XRP with a credit/debit card
  • Trades over 150 cryptos
  • Free crypto wallet app


  • Card fees are a bit high after the free period

4. Binance – Leading Exchange to Buy XRP for Experienced Traders

Binance is another giant crypto exchange. It boasts the largest volume of crypto trading globally as well as low trading fees: just 0.1% commission available on buying XRP.

Another huge advantage of Binance is the large amount of crypto pairs on offer: 500 in total. Even better, you can buy XRP UK direct with a credit card at a 1% commission.

Buying Ripple on Binance.

With Binance, there are many different ways to buy XRP UK. The easiest way is to fund your account with fiat currency or credit card and use those funds to buy XRP.

Alternatively, you can check out Binance’s Peer-2-Peer trading system and trade crypto for crypto with other users. But that’s a suitable option for more experienced and ambitious investors.

Unlike eToro, Binance doesn’t support newbie-friendly copy trading. Binance is evidently aimed at the more experienced crypto investor.

The exchange offers many powerful trading options, but the interface might be a bit overwhelming for beginners. You can sign up for the free Binance smartphone app though, and the app’s ‘Binance Lite’ might simplify everything. 

However, some user reviews claim that Binance’s verification process can be frustrating for some people. On the other hand, Binance offers a free crypto wallet (like eToro) called the Binance Trust Wallet. 

When it comes to Binance’s payment methods, you can buy Ripple with Paypal – but only if you use P2P trading. But you should think twice if you want to expose your portfolio to the XRP price considering Ripple’s current SEC court case.

Fortunately, Binance has introduced a wrapped version of XRP, a token that is pegged to the XRP price but is not hosted by the XRP ledger blockchain. Smart move.


  • 500+ crypto pairs
  • Free Binance Trust wallet
  • You can buy XRP instantly with a credit card 
  • Many ways to trade XRP
  • Well-designed Binance smartphone app


  • Not regulated by a financial regulatory authority

5. CEX – Trusted Crypto Exchange That Lets You Buy XRP With a Credit Card

Launched in 2013, CEX became a trustworthy UK crypto exchange. And with 4 million users, it’s fair to say it’s quite popular. 

Similar to Binance, CEX offers a wide array of trading tools and different ways of buying crypto., trusted crypto exchange for buying Ripple UK.

You can deposit crypto or fiat currency in your account and trade XRP spot price with your funds or you can buy XRP instantly with a credit card.

There’s a minimum of a $20 purchase (approximately £15), and your total credit card instant buy transactions are limited to around £2,400. A commission will also apply.

In short, CEX is a good option for UK investors thanks to its wide range of deposit methods. You can choose from Epay, Skrill, bank transfer, credit card, and SWIFT. There are no PayPal options though. 

On the other hand, UK investors currently enjoy a discounted commission rate of 1.49% on credit card deposits (rather than the standard 2.99%), and that’s really great. However, brokers like eToro will allow you to make credit card deposits without commission.

For trading fees, CEX uses a sliding maker-taker scale. For example, for XRP purchases of less than $10,000, you will pay a taker fee of 0.25%. Plus, CEX offers a lot of handy features: a free ‘hot’ crypto wallet, an app, debit card, loan options, margin trading and crypto staking. 


  • You can buy XRP with instant credit card purchase
  • 105+ crypto plus 225 trading pairs 
  • Crypto staking and margin trading options
  • Temporary registration with the FCA


  • It can be overwhelming for beginners 
  • Relatively complex fee structure

6. Coinbase – Well-known Cryptocurrency Exchange with a Huge Asset Portfolio

Essentially, Coinbase is a crypto exchange rather than a broker like eToro. And it’s incredibly popular.

However, unlike eToro, Coinbase lacks the regulatory safety net in the UK, despite numerous state licences in the US.

Coinbase - Buy and Sell Cryptocurrency Instantly

But the exchange remains one of the best options for UK crypto investors for three important reasons:

  • Scope – Coinbase has 73 million verified users, and that’s really a good sign. Coinbase came to market in April 2021, and it’s the first crypto exchange IPO on the NASDAQ. 
  • Safety – Coinbase stores 98% of customer funds offline: ‘geographically in safe deposit boxes and vaults around the world.’ This is the same successful strategy used by ‘cold’ wallets, which are only connected to the internet at times of transactions.
  • Range: Coinbase offers a nice selection of more than 50 cryptocurrencies. And that’s more than eToro’s 45+ range of crypto.

And what about Coinbase fees? Firstly, Coinbase has a great reputation for security.

However, in terms of fees, Coinbase could be improved. The system combines flat fees and commissions, and that can be expensive as well as confusing. You can perhaps steer clear of buying crypto with Coinbase direct with a credit card – it will cost you a 3.99% commission.

Fortunately, in 2021, Coinbase shared the good news about fees; Coinbase COO E. Choi said that a ‘compression’ of the fee system is on its way.

Just like eToro, Coinbase has a smartphone app for crypto trading on the go. As crypto markets are moving so fast, it’s always good to be able to check on the market regularly.

User reviews are great, and people generally find it very convenient. Additionally, Coinbase offers a free crypto wallet.

And how to buy XRP with Coinbase? Coinbase has joined other US exchanges in delisting XRP until the conclusion of Ripple’s court case vs. the SEC. The court case will probably be finished sometime this year, perhaps even as early as July 2022. 

That said, we suggest you head over to eToro instead. Also, if you want to buy Ripple with Paypal, you should be aware that for UK investors, Coinbase only offers PayPal withdrawals. 

Overall, Coinbase has many benefits, and it’s very popular and reliable. Just like eToro, It’s a solid option for crypto beginners.


  • Upgrade to Coinbase Pro for cheaper fees
  • Free Coinbase crypto wallet
  • Free crypto incentives
  • Cold storage for most client funds
  • 50+ crypto


  • Relatively complex fee structure
  • 3.99% credit card commission fee

What Is Ripple (XRP)?

So, what exactly is XRP? 

First of all, XRP is a crypto with its own blockchain. And with a market capitalization of over £15bn, XRP is the 6th biggest crypto.

It was founded by a company called Ripple back in 2012 and it’s a part of a settlement network that rivals the SWIFT system. SWIFT can take days to process a transaction though, whereas XRP takes seconds.

In terms of ways of settling payments, XRP works in a rather unique way. It has been compared to the real-world Hawala system.

But one thing that makes Ripple stand out is its small environmental impact (compared to Bitcoin’s Proof-of-Work protocol.)

Should You Buy XRP?

The Ripple Court Case Issue

As we’ve already mentioned, Ripple is involved in a court case with the American Securities and Exchange Commission (SEC).

This is likely to end very soon, but in the meantime, many US exchanges have delisted XRP. You can still buy it in the UK, but if the court case goes well for Ripple, it is likely that the price of XRP will spike. 

What About the Crypto Sector?

After China banned cryptocurrency activity, the entire crypto sector slumped by roughly 20%. And even now it looks like crypto is starting to fall. But XRP is expected to follow Bitcoin in the event of a general crypto price recovery.

Being Environmentally-friendly

Speaking of Bitcoin, the market-leading currency’s mining provoked a backlash because it uses as much electricity as the whole of Sweden. Along with this, the ongoing Ethereum fork aims to reduce Ethereum’s eco-drain by up to 99%. 

Luckily, Ripple has been paying attention to the environmental impact since the very beginning. All XRP is pre-mined, so its environmental impact is negligible.

This makes XRP secure for potential future regulations, but it’s also a conscious and generally more environmentally-friendly option.

And It’s Not Brand New

XRP is not a new kid on the block like Dogecoin or Shiba Inu. Ripple’s crypto has its own blockchain and it boasts a market capitalisation of over £15bn based on real-world usage by the global banking network. 

The Ripple Community

Ripple has loyal users and an active community online. In a way, people fight for XRP because they believe in it. And this is certainly a positive indicator for a cryptocurrency.

XRP Price Predictions

The price of XRP has been hit by the crash caused by China declaring crypto transactions to be illegal and outlawing Bitcoin mining in one of its key provinces.

According to analysts, XRP will eventually bounce back. With the current price, some analysts believe that big investors have stop-loss levels set around the £0.41 mark.

This means it’s possible that market makers will push the price down and unlock the liquidity. A similar situation exists with crypto leaders Bitcoin and Ethereum. But, everything is possible.

Ways of Buying XRP in the UK

There are many options to buy XRP UK.

Buying XRP with PayPal

With eToro, you can fund your account with PayPal and withdraw funds to it. With some exchanges, you can buy XRP directly with PayPal. Just keep an eye out for any fees.

Buying XRP with credit card or debit card

Exchanges like CEX, Huboi, Coinbase and Binance allow you to make instant buys of crypto with a credit card. Once again, watch out for commission fees.

On the other hand, with eToro, you can deposit funds into your online account for free with a debit card, and then buy XRP in seconds.

Buying XRP with Neteller or Skrill

Neteller and Skrill are available on eToro as means of funding your account and buying XRP.

XRP Wallet

As you probably already know, crypto wallets are digital versions of a physical wallet you’d put in your back pocket.

They are designed to store assets and move them from one place to another. That means you can send and receive crypto to pay for things or get paid. The ‘gas’ fees apply though; it’s a fee charged by blockchains to make transactions.

Most wallets charge commissions for exchanging crypto and staking crypto to earn rewards. However, the best wallets (like eToro’s Money crypto wallet) do not charge fees for transferring crypto. 

One of the biggest advantages of crypto wallets is that they are usually free to acquire. The downside is that there’s always the danger that your assets will get stolen. 

Nevertheless, different types of crypto wallets have different pros and cons.

‘Cold’ wallets offer enhanced security as they are only connected to the internet at times of transaction. And ‘hot’ wallets are connected to the internet the whole time which can provide real-time updates and trading opportunities.

A wallet authorised by a regulatory authority is a solid option. And that’s why we recommend the free eToro Money crypto wallet as your XRP wallet.

eToro’s wallet is authorised by the Gibraltar Financial Services Commission and it provides a range of amazing options, including a non-losable key.  

How to Buy XRP UK – Tutorial

Lucky for you, it’s getting easier and easier to buy crypto in the UK. Let’s take eToro as an example to show you how to get verified with a regulated broker and buy XRP UK:

1. Choose a Broker to Buy XRP

The right place to buy XRP depends on your level of experience. If you’re familiar with how everything works, you should go for an exchange like Binance.

But if you are a newcomer to crypto, or simply want a simpler experience, we recommend the best crypto platform, eToro.

2. Sign up with eToro

To create an account on eToro, simply head to and supply a few personal details. Alternatively, choose your Google or Facebook login.

You’ll be asked a few questions on investing afterward; this is a regulated part of the process.

eToro homepage.

3. Verify your ID 

Like all regulated and reliable brokers, eToro must check your ID. You’ll have to upload scans proving who you are and where you live.

A passport is the quickest ID verification. For proof of address, you can use utility bills, rent bills, or something else. If you have a digital ID, you can upload screenshots.

How to buy XRP UK using eToro. Sign up page.

4. Deposit Funds 

Depositing funds with eToro takes seconds. You can use many ways to do it: bank transfer, debit card, or payment providers like PayPal, Skrill, and Neteller.

Trustly and Rapid Transfer online banking are also available, and there’s no deposit fee. 

eToro payment methods for buying XRP in the UK.

5. Buy XRP UK with eToro

In short, you can find XRP by entering ‘XRP’ in the top toolbar. Now press on the logo to access the XRP homepage. There you can review stats, research, and charting options.

You can also press the blue ‘Trade’ button and set up your trade – the minimum trade on eToro is $10, approximately £8. 

Buy XRP UK using eToro.

When you open your trade, you’ll be able to review your purchase in your portfolio. 

And that’s all folks! 

Things to Remember Before Buying XRP

Don’t put in more than you can afford to lose: Cut your coat according to your size. This quote also works for crypto trading in that you only trade with funds you are ready to part with.

Resist fear of missing out: Fear Of Missing Out refers to the anxious fear of missing out on a potentially rewarding trading opportunity or trend without making any proper price or market analysis.

Ensure you have a sound trading strategy, and don’t let your emotions take over your strategy. Also, train yourself to be disciplined by strictly following your analysis or strategy.

Understand tax consequences: Like every other sector and asset, taxation is crucial. Ensure you understand UK tax liabilities associated with cryptocurrency and ensure you abide by them.

Long vs. short-term investment: It is important to consider the pros and cons of short and long-term trading investments. Decide what works well for you and master it. Also, choose a platform that suits your preferred trading style.

Final Thoughts

We hope we helped you figure out where to buy Ripple UK, what the crypto XRP is and where XRP stands in the crypto sector. 

XRP is currently at the very centre of a US legal case that will determine the extent of SEC intervention in the crypto sector in the future. In other words, this could be a game-changer for the industry as a whole

Either way, you can still buy XRP in the UK. And all things considered, we believe that eToro is the best option to do so.

With eToro, you’ll get low fees, transparency and useful features. You’ll be provided with the free eToro crypto wallet. Plus, you can use the eToro smartphone app and trade crypto on the go. 


Is XRP Legal in the UK?

Trading XRP is legal in the UK with no disruption. The SEC action against Ripple has effect only on US platforms and exchanges with no impact on UK citizens.

Will XRP become the most valuable cryptocurrency?

The possibility is quite low, despite the goals and awesome features of XRP, it’s unlikely of it attaining that position.

Can you buy less than 1 XRP?

Yes, you can. This type of trading is called fractional trading, where you do not need to buy 1 XRP.

Is it too late to buy XRP?

It is impossible to predict the price action of XRP, especially since the general crypto market is in a dip.


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