Best Place to Buy XRP in 2025: Top 10 Exchanges Compared

1. Coinbase: Best for beginners in the United States

Coinbase remains the go-to choice for newcomers to crypto, especially those based in the United States. The platform combines simplicity with robust security, making it easy to buy XRP with just a few clicks. After years of regulatory uncertainty, XRP is now fully available on Coinbase following the resolution of Ripple's SEC lawsuit in 2024.

The user interface is clean and intuitive, guiding you through the purchase process step by step. You can buy XRP using bank transfers, debit cards, or wire transfers. While Coinbase charges higher fees compared to some competitors, the peace of mind from using a publicly traded, regulated platform is worth it for many users.

Key features:

• Regulated in the United States with strong security measures
• Simple interface perfect for first-time buyers
• Multiple payment methods including bank transfers and cards
• Insurance coverage for digital assets stored on the platform

Coinbase is ideal if you value ease of use and regulatory compliance over rock-bottom fees. The platform's educational resources also help newcomers understand XRP and the broader crypto market.

2. Kraken: Best for advanced trading features

Kraken has built a reputation as one of the most secure and reliable exchanges since launching in 2011. The platform offers a perfect balance between beginner-friendly features and advanced trading tools, making it suitable for both new and experienced XRP investors.

What sets Kraken apart is its low fee structure and extensive range of trading pairs. You can buy XRP with various fiat currencies including USD, EUR, and GBP. The platform supports bank transfers, wire transfers, and even instant purchases with debit cards. Kraken Pro, the advanced trading interface, provides charts, order types, and margin trading for those who want more control.

Key features:

• Low trading fees starting at 0.16% for makers
• Strong security with no major hacks in its history
• Advanced trading tools and margin trading available
• 24/7 customer support with quick response times

Kraken shines if you want a secure platform with professional trading features. The learning curve is steeper than Coinbase, but the fee savings add up quickly for active traders.

3. Xgram: Best for anonymous instant swaps

Xgram is an instant crypto exchange that prioritizes privacy and speed. If you want to buy XRP without going through KYC verification or creating an account, Xgram offers a streamlined solution. The platform specializes in quick, anonymous cryptocurrency swaps with competitive rates.

The process is remarkably simple: select your input currency, enter XRP as your output, provide your wallet address, and complete the exchange. Transactions typically finalize within 10-15 minutes, and there are no registration requirements. Xgram supports over 1,000 cryptocurrency pairs, giving you flexibility in how you acquire XRP.

Key features:

• No registration or KYC required for any transaction size
• Instant exchanges completing in 10-15 minutes
• Over 1,000 crypto pairs for flexible trading
• Personal manager assistance for exchanges over $20,000
• Low fees with high liquidity ensuring minimal slippage

Xgram is perfect if privacy matters most to you. You maintain complete control of your funds and personal information while enjoying fast, efficient swaps. The platform is particularly popular among users who already hold other cryptocurrencies and want to diversify into XRP without the hassle of traditional exchanges.

4. Binance: Best for global users and altcoin variety

Binance is the world's largest cryptocurrency exchange by trading volume, offering unmatched liquidity for XRP trading. The platform serves users in over 180 countries and supports hundreds of trading pairs, making it a one-stop shop for crypto investors.

You can buy XRP on Binance using multiple methods: credit/debit cards, bank transfers, P2P trading, or by swapping other cryptocurrencies. The fee structure is competitive, with a standard 0.1% trading fee that drops even lower if you hold BNB tokens. Binance also offers staking, lending, and other ways to earn passive income on your XRP holdings.

Key features:

• Highest liquidity for XRP with massive trading volumes
• Low fees starting at 0.1%, discounted with BNB
• Available in most countries worldwide
• Extensive range of payment methods including P2P

Binance suits experienced traders who want access to advanced features and the deepest liquidity pools. Note that Binance is not available to U.S. users, who must use Binance.US instead with more limited features.

5. MEXC: Best no-KYC option for high withdrawal limits

MEXC stands out in 2025 as one of the few centralized exchanges offering substantial trading without mandatory KYC. You can withdraw up to 10 BTC per day (approximately $1.2 million at current prices) without identity verification, making it attractive for privacy-conscious traders.

The platform supports XRP trading with competitive fees and a wide selection of altcoins. MEXC offers spot trading, futures, and margin trading, giving you multiple ways to gain XRP exposure. The interface is modern and responsive, though it may feel cluttered for absolute beginners.

Key features:

• Up to 10 BTC daily withdrawals without KYC
• Low trading fees and tight spreads
• Extensive altcoin selection for diversification
• Futures and margin trading available

MEXC is ideal if you want the features of a centralized exchange without immediate KYC requirements. Be aware that the platform may request verification for certain features or if you trigger security checks, and it's not available to U.S. users.

6. Bybit: Best for derivatives and futures trading

Bybit has evolved from a derivatives-focused platform into a comprehensive exchange offering spot, futures, and options trading. The platform allows basic trading without KYC, though verification unlocks higher limits and additional features.

XRP is available on Bybit for both spot purchases and perpetual futures contracts, allowing you to trade with leverage if desired. The platform's matching engine is fast and reliable, crucial for active traders. Bybit also offers a copy trading feature where you can automatically mirror the trades of successful XRP investors.

Key features:

• Spot and derivatives trading for XRP
• Basic trading available without immediate KYC
• Up to 100x leverage on perpetual contracts
• Copy trading and automated bot strategies

Bybit fits traders who want exposure to XRP price movements through derivatives. The leverage options amplify both potential gains and losses, so approach with caution if you're new to futures trading.

7. Robinhood: Best for stock and crypto portfolio integration

Robinhood relisted XRP in November 2024 after years of absence due to regulatory uncertainty. The platform now offers 24/7 XRP trading alongside stocks, ETFs, and options, creating a unified portfolio experience for investors who want both traditional and digital assets in one place.

Buying XRP on Robinhood is straightforward: search for XRP, choose your purchase amount, and confirm. There are no trading commissions, though the spread between buy and sell prices serves as Robinhood's revenue model. The app's clean design and instant deposits make it convenient for casual investors.

Key features:

• Commission-free XRP trading with no fees
• Unified portfolio with stocks and crypto
• Instant deposits for immediate purchasing power
• Simple mobile app perfect for beginners

Robinhood works well if you already invest in stocks and want to add XRP to your portfolio. The simplicity comes at a cost, though: you can't withdraw XRP to external wallets, limiting your control compared to dedicated crypto exchanges.

8. ChangeHero: Best for quick no-registration swaps

ChangeHero is an instant exchange service that allows you to buy XRP without creating an account. The platform acts as an intermediary, connecting you with the best exchange rates across multiple providers. You can purchase XRP with credit cards, Apple Pay, Google Pay, or by swapping other cryptocurrencies.

The service emphasizes speed and convenience. For purchases under €700, no KYC is required at all. Above that threshold, a quick verification process applies. ChangeHero's interface is clean and focused, making it easy to complete a swap in minutes without navigating complex exchange menus.

Key features:

• No account required for transactions
• Multiple payment methods including cards and mobile payments
• No KYC up to €700 equivalent
• Competitive rates by aggregating multiple exchanges

ChangeHero is perfect for one-time XRP purchases or occasional swaps. The convenience of not maintaining another exchange account appeals to casual buyers who don't want ongoing platform commitments.

9. Uphold: Best for multi-asset portfolios

Uphold offers a unique approach to crypto investing by positioning itself as a digital money platform rather than just an exchange. You can buy XRP alongside stocks, precious metals, and various fiat currencies, all within the same account. This versatility makes portfolio diversification straightforward.

The platform supports XRP purchases via bank transfers, debit cards, and credit cards. Uphold's "Anything-to-Anything" technology allows you to convert directly between any supported assets, including XRP, without intermediary steps. The mobile app provides real-time market data and portfolio tracking.

Key features:

• Multi-asset platform with stocks, metals, and crypto
• Instant conversions between any asset pairs
• Transparent pricing with no hidden fees
• Available in over 150 countries

Uphold suits investors who want to hold XRP as part of a broader, diversified portfolio. The ability to seamlessly move between asset classes without multiple accounts simplifies portfolio management.

10. OKX: Best for experienced traders and DeFi integration

OKX combines a centralized exchange with decentralized finance features, offering a comprehensive ecosystem for XRP investors. The platform provides spot trading, futures, options, and staking, plus a built-in Web3 wallet for DeFi interactions.

You can buy XRP on OKX using bank transfers, cards, or P2P trading. The advanced trading interface includes TradingView charts, multiple order types, and algorithmic trading tools. OKX also offers one of the most generous no-KYC policies among major exchanges, allowing significant trading volumes before verification is required.

Key features:

• Advanced trading tools with professional features
• Integrated Web3 wallet for DeFi access
• Generous trading limits without KYC
• Spot, futures, and options for XRP

OKX appeals to sophisticated traders who want a feature-rich platform. The learning curve is steep, but the tools available reward those who invest time in mastering the platform.

Comparison table

How to choose the best place to buy XRP

Selecting the right platform to buy XRP depends on your specific needs and priorities. Start by identifying what matters most to you: is it privacy, low fees, ease of use, or advanced features? Each exchange excels in different areas, so aligning your choice with your goals ensures the best experience.

For beginners, prioritize simplicity and security. Platforms like Coinbase and Robinhood offer intuitive interfaces and strong regulatory compliance, making them ideal for first-time crypto buyers. You'll pay slightly higher fees, but the learning curve is gentle and support is readily available.

If privacy is your top concern, consider no-KYC options like Xgram, MEXC, or ChangeHero. These platforms let you buy XRP without sharing personal information, though you may face limitations on payment methods or have to accept slightly higher rates for the added privacy. Always use these platforms with secure wallets where you control your private keys.

Active traders benefit from platforms with low fees and advanced tools. Kraken, OKX, and Binance offer professional-grade features, tight spreads, and high liquidity. Check the fee structure carefully, as frequent trading makes even small percentage differences add up over time.

Consider these factors when making your decision:

• Check if the platform operates in your country and supports your preferred payment methods
• Compare fee structures including trading fees, deposit fees, and withdrawal fees
• Verify security features like two-factor authentication and cold storage of funds
• Look at customer reviews on sites like Trustpilot or BestChange for real user experiences
• Decide if you want to withdraw XRP to your own wallet or keep it on the exchange

One final tip: you don't have to commit to a single platform. Many experienced crypto investors use multiple exchanges, taking advantage of each platform's strengths for different purposes. You've got this!

Disclaimer: This article is for informational purposes only and does not constitute financial advice. Cryptocurrency investments carry high risk and prices can be volatile. Always conduct your own research (DYOR) and only invest what you can afford to lose. Consider consulting with a financial advisor before making investment decisions.

Frequently Asked Questions

Is XRP a good investment in 2025?

XRP shows promise in 2025 following the resolution of its SEC lawsuit and growing institutional adoption. The cryptocurrency trades around $2.94-3.08 with pending ETF applications that could drive further growth. However, XRP remains volatile with price swings of 35% or more common. Whether it's a good investment depends on your risk tolerance and belief in Ripple's cross-border payment technology. Many analysts predict potential growth to $5-7 by late 2025 if ETF approvals materialize, but conservative investors should only allocate a small portion of their portfolio to this high-risk asset.

Can I buy XRP without KYC verification?

Yes, several platforms allow you to buy XRP without KYC verification. MEXC permits withdrawals up to 10 BTC daily without identity checks, while Xgram and ChangeHero offer instant swaps with no registration required. ChangeHero specifically allows purchases up to €700 without verification. These no-KYC options are convenient but come with tradeoffs: you may face higher fees, limited payment methods, or restrictions if you trigger security alerts. For larger purchases or fiat on-ramps, most platforms eventually require KYC due to regulatory requirements.

What is the safest way to buy XRP?

The safest way to buy XRP involves using a regulated, established exchange like Coinbase or Kraken that offers insurance on stored funds and has a strong security track record. Enable two-factor authentication on your account and use a unique, complex password. After purchasing, transfer your XRP to a hardware wallet like Ledger or Trezor rather than leaving it on the exchange. This gives you full control of your private keys and protects against exchange hacks. Avoid clicking links in unsolicited emails and always double-check website URLs to prevent phishing attacks.

How much will XRP be worth by the end of 2025?

Price predictions for XRP by the end of 2025 vary widely among analysts. Conservative estimates from sources like Changelly suggest $3-4, while more bullish forecasts from Standard Chartered project $5.50. Some ultra-optimistic predictions reach as high as $12-20, though these assume significant adoption breakthroughs. The most realistic range appears to be $3.50-6, dependent on SEC approval of XRP ETFs in October 2025 and increased institutional investment. Remember that cryptocurrency markets are highly volatile and unpredictable, so any price prediction should be taken as speculation rather than certainty.

What is the difference between buying XRP on Coinbase versus a no-KYC exchange?

Buying XRP on Coinbase requires full identity verification, takes 1-3 business days for bank transfers, and offers insurance on funds stored on the platform. You get customer support, regulatory compliance, and easy fiat on-ramps with credit cards or bank accounts. No-KYC exchanges like Xgram or MEXC let you trade immediately without identity checks, offering faster transactions and complete privacy. However, you lose regulatory protections, may face higher spreads, and typically can only fund accounts with other cryptocurrencies rather than fiat currency. Choose Coinbase for safety and ease, or no-KYC platforms for speed and privacy.

Can I buy XRP with a credit card?

Yes, you can buy XRP with a credit card on several platforms including Coinbase, Binance, ChangeHero, and Uphold. Credit card purchases offer instant access to XRP but typically come with higher fees (3-4%) compared to bank transfers. Some issuers treat crypto purchases as cash advances, triggering additional fees and interest. Debit cards generally have lower fees and are more widely accepted. If you're making large purchases, bank transfers offer the best rates despite slower processing times. Always check your card issuer's policies on crypto purchases before attempting a transaction.

Do I need a wallet to buy XRP?

You don't need a separate wallet to buy XRP initially, as exchanges like Coinbase and Kraken provide built-in wallets where your XRP is stored after purchase. However, keeping large amounts of XRP on an exchange is risky because you don't control the private keys. For better security, transfer your XRP to a personal wallet where you control your funds. Options include hardware wallets (Ledger, Trezor), software wallets (Exodus, Trust Wallet), or mobile wallets (Xumm). For instant exchanges like Xgram, you do need to provide your own XRP wallet address to receive the coins directly.

Whether you're buying your first XRP or adding to an existing position, the platforms outlined in this guide offer reliable options for every type of investor. Coinbase and Kraken provide the security and ease of use that newcomers need, while MEXC and Xgram cater to privacy-focused traders seeking anonymous transactions. Match your choice to your priorities, practice good security habits, and you'll be well-positioned to participate in XRP's journey through 2025 and beyond.