Sterling Savvy


How to Buy XRP in the UK

Tobi Opeyemi Amure
Reviewed by:
How to buy XRP UK

In a nutshell, the easiest way to buy XRP in the UK is to buy it online from a crypto exchange, such as eToro, Coinbase, or Uphold. Crypto exchanges make it easy to buy and sell XRP directly from your smartphone, tablet, or computer.

If you’re wondering how to buy XRP in the UK, my guide is your solution.

It simplifies the purchasing process for beginners, highlighting the best, FCA-compliant platforms.

How to Buy XRP in the UK

Here’s how to buy XRP in the UK for beginners:

Step 1: Choose a crypto exchange

Start by setting up an account with a cryptocurrency exchange such as eToro or Coinbase. These platforms enable you to buy, sell, and store various cryptocurrencies including XRP and others. Ensure you have a valid ID and payment method for account creation.

Check out our roundup of the best crypto exchanges in the UK.

Top pick
eToro - Best place to buy XRP

eToro is trusted by over 30 million users worldwide. It's the best place to buy XRP in the UK due to its cold storage, innovative trading features, user-friendly GBP deposit options, and industry-leading fees.

Don’t invest unless you’re prepared to lose all the money you invest.

Step 2: Fund your account

Next, deposit funds into your exchange account using your GBP debit card or a bank transfer. Most exchanges support these payment methods, including the innovative Open Banking system.

Step 3: Research XRP

Before purchasing, research XRP and other cryptocurrencies thoroughly. Consider factors like market capitalisation, liquidity, technological innovation, the team behind the project, use cases, adoption, and the security and transparency of the project.

Step 4: Select and set up a wallet

Choose a cryptocurrency wallet, such as eToro Money Wallet or Uphold Wallet, to store your XRP. Wallets offer more security than storing on exchanges, as they are independent and keep your assets safe on the blockchain, even if an exchange encounters issues.

Step 5: Purchase XRP

With your account set up and wallet ready, buy XRP using your exchange’s web or mobile platform. Navigate to the trading section and make your purchase.

Step 6: Transfer XRP to your wallet

Finally, for security, transfer your XRP to your wallet. This ensures the safekeeping of your cryptocurrency, separate from the exchange. You can transfer it back to the exchange when you wish to sell or convert your XRP to cash.

Where to Buy XRP?

Here I’ve compared the best places to buy XRP in the UK based on four key factors you must consider and compare:

RankXRP exchangeFees to buy XRPDeposit feesNumber of other cryptosGBP deposit methods
+ market spread
0.5%90+Bank transfer, debit card,
Neteller, Skrill, eToro Money
2Uphold1% trading fee
& 1% spread fee
Debit card fee
of 3.99%
250+Bank transfer (ACH), debit card,
Apple Pay, Google Pay
3Coinbase1% commission
+ 0.5% spread fee
Debit card fee
of 3.99%
250+Bank transfer, credit card,
cryptocurrency, debit card, PayPal
4KrakenFrom 0.26%£1 fee on
bank transfers
230+Bank transfer, credit card,
cryptocurrency, debit card,
Apple Pay, Google Pay, SWIFT
5Revolut1.49%2.5%80+Bank transfer, credit card,
cryptocurrency, debit card, Apple Pay,
Google Pay, SWIFT

What Is the Current Price of XRP?

What Is XRP?

XRP is a digital currency created by Ripple Labs. It’s used primarily for enabling real-time, cross-border money transfers, acting as a bridge between different fiat currencies. Unlike Bitcoin, XRP transactions are known for their low cost and high speed, making them popular for international money transfers.

What Is the XRP Blockchain?

The XRP blockchain, also known as the XRP Ledger, is a decentralised, open-source blockchain technology behind the digital currency XRP. It facilitates fast, low-cost international transactions and is known for its scalability and efficient consensus mechanism.

Is XRP Safe?

XRP is generally considered safe, using advanced cryptography and a robust consensus mechanism for security. However, like all cryptocurrencies, it carries risks related to market volatility and regulatory changes.

What Makes XRP Unique?

XRP is unique due to its Ripple Protocol Consensus Algorithm (RPCA), which enables fast, energy-efficient transactions without mining.

It stands out with its rapid transaction speeds, settling within 3-5 seconds, and high scalability, handling over 1,500 transactions per second.

XRP facilitates cross-border payments as a bridge currency in the Ripple network, aiding in efficient international transactions.

Unlike many cryptocurrencies, all XRP tokens were pre-mined and are released periodically by Ripple, the company behind XRPL, which partners with banks and financial institutions, integrating blockchain into traditional finance.

Yes, XRP and other cryptocurrencies are legal in the UK.

The Financial Conduct Authority (FCA), the regulatory body responsible for overseeing financial activities in the UK, has implemented regulations to combat money laundering and ensure consumer protection in the cryptocurrency space.

While cryptocurrencies are legal in the UK, it’s advisable to stay updated on any changes in regulations and consult with legal and financial professionals for specific guidance related to your situation.

This article was reviewed by Tobi Opeyemi Amure, a cryptocurrency expert and writer at, and


How to Buy XRP with PayPal in the UK?

To buy XRP with PayPal in the UK, first, find a cryptocurrency exchange that accepts PayPal as a payment method. Create an account on the exchange, link your PayPal account, and use it to deposit funds. Then, use these funds to purchase XRP on the exchange’s platform.

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eToro is trusted by over 30 million users worldwide. It's the #1 crypto exchange in the UK.
Visit eToro
Don’t invest unless you’re prepared to lose all the money you invest.

Will Fenton is the founder of Sterling Savvy. He is a personal finance expert and writes about trading, investing, budgeting, and other financial topics.

Along with his education in Economics & Finance, he has experience working in the financial services industry in London working for one of the UK’s leading financial companies, “a trustworthy and respected provider of news, education and market analysis for the everyday investor”.

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