How to Buy XRP In The UK In 2025
Adam Woodhead
Co-Founder
Adam is a passionate investor who created The Investors Centre (TIC) to combine his professional skills with his love for investment. His goal is to offer a platform filled with valuable resources, practical advice, and effective strategies for anyone looking to make their mark in the investment world.
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Thomas Drury
Co-Founder
Thomas is an experienced financial trader in leverage instruments, crypto and general investing. He has over a decade experience in finance and holds Chartered Status in the financial industry, Thomas’s speciality is trading CFDs, Forex and Day Trading. His crypto portfolio is heavily weighted towards BTC and Eth, but enjoys trading low cap crypto’s with higher volatility. Thomas’s favourite trading strategy is break out Trading.
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Table of Contents
Disclaimer
How We Test
Explore our curated list of reputable exchanges , each rigorously tested with Purchasing and Trading Real XRP. All brokers are accessible to traders in the United Kingdom.
How Do You Buy XRP in the UK?
To buy XRP in the UK, choose a regulated exchange like eToro or Coinbase, verify your identity, deposit funds, search for XRP, and place your buy order. Always check fees, ensure platform security, and consider transferring your crypto to a private wallet for safety.H2Step-by-Step Guide on How to Buy XRP
What Are the Steps to Buy XRP in 2025?
Step 1: Choose a Reliable Cryptocurrency Exchange
What Should You Look for in a Cryptocurrency Exchange?
Focus on regulation, low fees, secure login options like 2FA, and ease of use. These factors ensure your money is protected while making your XRP buying process as simple as possible.
How Do the Top UK Crypto Exchanges Compare?
| Feature | eToro | Coinbase | Uphold |
|---|---|---|---|
| Supported Payment Methods | Bank transfer, debit/credit card | Bank transfer, debit/credit card | Bank transfer, debit/credit card |
| Fees | 1% trading fee | 1.49% per trade | 0.99% per trade |
| Minimum Deposit | £10 | £1 | £10 |
| User-Friendliness | Very High | High | Medium |
| Security Features | 2FA, insurance | 2FA, insurance | 2FA, encryption |
| UK Regulation Status | FCA-compliant | FCA-compliant | FCA-compliant |
Which Exchange Should You Use to Buy XRP?
eToro is best for beginners needing simplicity. Coinbase offers an easy setup with high trust but higher fees. If you’re confident and fee-conscious, Uphold is a solid option. Choose based on your experience and budget.
Step 2 – Create and Secure Your Account
Once you’ve chosen an exchange, sign up with your details and complete identity verification. Secure your account by enabling two-factor authentication (2FA) to protect against unauthorised access. A strong, unique password is also essential for safety.
How Do You Create an Account on a Crypto Exchange?
Visit your chosen exchange, enter your personal details, and verify your identity with official documents. This process usually takes a few minutes. Once verified, you can access the platform, fund your account, and begin trading XRP.
How Can You Keep Your Exchange Account Secure?
Enable two-factor authentication (2FA), use a strong password, and avoid using the same login credentials across platforms. Only access the exchange through official apps or websites and be cautious of phishing attempts pretending to be the exchange.
Step 3 – Deposit Funds Into Your Account
Log in to your exchange, go to the “Deposit” section, and choose a payment method. Enter your amount, confirm the details, and complete the deposit. Funds typically appear instantly or within 1–3 business days, depending on the method.
How Do You Deposit Money Into a Crypto Exchange?
Navigate to your chosen exchange’s deposit section, select your preferred payment method, enter the amount, and follow the on-screen instructions. Confirm the transaction and wait for the funds to appear in your account balance before proceeding to buy XRP.
What Are the Most Common Payment Methods for UK Users?
Bank transfers have low fees but take longer. Debit/credit cards are fast but often cost more. PayPal offers convenience but charges higher fees. Choose based on speed, cost, and preference for one-off or recurring crypto purchases.
| Payment Method | Processing Time | Fees | Best For |
|---|---|---|---|
| Bank Transfer | 1–3 business days | £1–£5 (or free) | Large deposits, lower fees |
| Debit/Credit Card | Instant | 1.5%–3% per transaction | Small, quick deposits |
| PayPal | Instant | 2%–3% per transaction | Convenience and flexibility |
What Should You Know Before Depositing Funds?
Check deposit fees, processing times, and platform limits. Always use a payment method in your name to avoid rejections. Avoid public Wi-Fi and phishing links when making transactions. Double-check account details before confirming to prevent costly errors.
Step 4 – Place Your Buy Order for XRP
Once your account is funded, search for XRP on your chosen exchange. Select “Buy,” choose the order type (market or limit), enter the amount, review details, and confirm. Your XRP will be credited to your account wallet after purchase.
How Do You Buy XRP on an Exchange?
Log in, search for “XRP,” and click “Buy.” Choose a market order for immediate purchase or a limit order to set your own price. Enter the amount in GBP or XRP, review the fee breakdown, then confirm the transaction.
What Does a Typical XRP Transaction Cost?
If XRP is £0.50 and you spend £100 with a 1.5% fee, you’ll pay £1.50 in fees and receive 197 XRP. Costs vary by exchange, payment method, and market spread. Always check the fee preview before confirming your order.
| Detail | Example Value | |
|---|---|---|
| Amount to Spend (GBP) | £100 | |
| Current XRP Price | £0.50 | |
| Fees | £1.50 (1.5%) | |
| XRP Purchased | 197 XRP |
How Can You Buy XRP More Effectively?
Start with small amounts to learn the process. Avoid buying during price spikes. Compare fees between exchanges and payment methods. Use limit orders if you want better entry prices, and ensure the platform shows clear cost breakdowns before confirming.
Step 5 – Store Your XRP Safely
After buying XRP, move it off the exchange for better security. Use a private wallet you control to reduce the risk of hacks or outages. Storing XRP yourself gives more protection and long-term control over your investment.
Why Should You Store XRP Outside of an Exchange?
Exchanges can be hacked, go offline, or impose withdrawal limits. Storing XRP in your own wallet gives you full ownership and security. It also protects your funds if the exchange experiences regulatory issues, operational failures, or insolvency.
What Types of Wallets Can You Use to Store XRP?
Options include hardware wallets (most secure), software wallets (easy access), and mobile wallets (convenient for daily use). Exchange wallets offer minimal protection. For long-term holding, a hardware wallet like Ledger or Trezor is recommended for enhanced security.
| Wallet Type | Security Level | Accessibility | Cost | Best For |
|---|---|---|---|---|
| Hardware Wallet | Very High | Moderate | £50–£200 | Long-term storage |
| Software Wallet | Medium | High | Free/Low | Frequent transactions |
| Mobile Wallet | Medium | Very High | Free | On-the-go usage |
| Exchange Wallet | Low | Very High | Free | Temporary storage only |
How Do You Transfer XRP to a Personal Wallet?
Open your wallet, find your XRP address and destination tag if needed. On the exchange, go to XRP, click “Withdraw,” paste your wallet address and tag, enter the amount, and confirm. Always double-check details to avoid irreversible mistakes.
How Can You Keep Your XRP Wallet Secure?
Back up your recovery phrase securely, enable PIN or biometric protection, and avoid sharing your keys. Never store private keys online. For large amounts, test small transfers first. Only download wallet apps from verified sources to avoid phishing or malware
Best Place to Buy XRP in the UK 2025?
#1 eToro - Best in class for ease of use, simplicity and quick sign up
eToro is a superb UK option for XRP: FCA‑regulated, intuitive interface, and social trading via CopyTrader. You own real XRP, with transparent fees and multi‑asset access. Ideal for beginners seeking simplicity and security.
What are the fees and charges to buy XRP?
A flat 1 % fee is added to all XRP buy and sell trades, as reflected in the live price. Withdrawing to an external eToro Money wallet incurs a 2 % fee (capped at ~$100), plus standard blockchain network fee
Pros & Cons
- FCA‑regulated and secure ownership.
- Easy interface and instant setup.
- CopyTrader for social/investor learning.
- 1 % buy/sell fee.
- No private key access.
- 2 % fee on transfers to external wallet.
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
#2 Coinbase - The go-to platform for beginners
Coinbase offers a beginner-friendly platform with a clean layout, strong UK compliance, and excellent security. XRP is available via instant purchase or advanced trade modes. Ideal for first-time buyers wanting ease and trust, though fees are higher than some competitors.
What are the fees and charges to buy XRP?
Instant buys carry a 3.99% fee with a debit card or 1.49% for bank transfers. Coinbase Advanced users benefit from lower fees on XRP purchases (as low as 0.6% maker/0.4% taker), depending on volume. Additional spreads may also apply.
Pros & Cons
- FCA-registered and highly secure.
- Easy to navigate with good mobile UX.
- Multiple payment options including bank cards.
- High fees for instant buys.
- Limited advanced features on standard platform.
- Some features locked behind Pro version.
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
What is XRP?
XRP is a digital currency developed by Ripple Labs to enable fast, low-cost cross-border transactions. Unlike Bitcoin, XRP isn’t mined; it uses a unique consensus mechanism. It’s designed for efficiency, making it attractive for financial institutions and users seeking rapid, affordable transfers.
How Do XRP Transactions Work?
How Do People Use XRP?
What’s the Difference Between Ripple and XRP?
Ripple is the fintech company building blockchain-based payment solutions. XRP is the digital currency used on the XRP Ledger, which operates independently. While Ripple uses XRP in its products, the asset itself is open-source and can function without Ripple’s involvement.
How Does XRP Compare to Other Blockchains?
XRP is faster, cheaper, and more energy-efficient than many other blockchains. Unlike Bitcoin’s 10-minute confirmations or Ethereum’s gas fees, XRP offers near-instant transactions for a fraction of a penny, making it ideal for real-time payments, though it’s less decentralised than some peers.
| Feature | XRP Ledger | Bitcoin | Ethereum |
|---|---|---|---|
| Consensus | RCPA (No Mining) | Proof-of-Work | Proof-of-Stake |
| Speed | 3–5 sec | 10+ min | ~12 sec |
| Scalability | 1,500+ TPS | 7 TPS | ~30 TPS |
| Fees | < £0.01 | High | Medium |
| Energy Use | Low | Very High | Medium |
Should You Buy XRP in 2025?
If you’re looking for a cryptocurrency focused on speed and utility in cross-border payments, XRP remains a strong contender. However, consider ongoing regulatory scrutiny and market volatility. Always do your own research and assess whether XRP fits your investment goals and risk tolerance.
FAQs
What should I consider when selecting a wallet for my XRP?
Consider security features, ease of use, and backup options. Hardware wallets offer high security for long-term storage, while mobile or software wallets provide convenience for easy access and transfers.
Is XRP subject to the same volatility as other cryptocurrencies?
Like all cryptocurrencies, XRP is subject to market volatility. Its price can fluctuate significantly due to various factors, including market sentiment, technological developments, and regulatory news.
Are there any specific regulations for buying XRP in the UK that I should be aware of?
UK residents should be aware of the Financial Conduct Authority (FCA) guidelines on cryptocurrencies. It’s important to use a compliant exchange and be mindful of potential changes in cryptocurrency regulations.
How does XRP differ from Bitcoin, and does it affect how I should approach buying it?
XRP differs from Bitcoin in its primary purpose and technological infrastructure. XRP is designed for fast and efficient cross-border transactions, and it operates on a unique consensus protocol rather than traditional mining. This should be considered when evaluating its potential longevity and stability as an investment.
References
- FCA (Financial Conduct Authority) – Cryptoasset consumer research
- Coinbase UK – How to buy crypto in the UK (official guide)
- eToro UK – Guide to crypto trading and investing
- Forbes – Get Started In Investing In Cryptocurrency
