How to buy XRP with Apple Pay in 2025

This introductory guide explains how to buy XRP with Apple Pay. Follow our simple three step guide to make your first purchase.
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Updated on Jul 26, 2024
Reading time 4 minutes

Firstly, the most important question to answer is: can I buy XRP with Apple Pay?

No, Apple Pay doesn’t allow you to purchase cryptocurrency. However, you can use Apple Pay to fund a trading account and buy XRP that way.

You just need a crypto exchange that accepts Apple Pay deposits. And we’re here to help.

How to buy XRP with Apple Pay – a step-by-step guide

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It takes about 15 minutes to buy XRP with Apple Pay. Have a copy of your photo ID to hand and follow this guide to get started.

Step 1. Sign up with eToro .

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We recommend eToro as the best platform to use to buy XRP with Apple Pay.

eToro review
4.6
eToro
Min. Deposit $100
Fees 1%
No. assets 3600+
Demo account Yes

eToro review

Cryptocurrency is offered by eToro USA LLC (“the MSB”) (NMLS: 1769299) and is not FDIC or SIPC insured. Investing involves risk, and content is provided for educational purposes only, does not imply a recommendation, and is not a guarantee of future performance. Invezz.com is not an affiliate and may be compensated if you access certain products or services offered by the MSB.

Step 2. Create an account.

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You need an account before you can buy anything. Sign up with your contact details and a form of ID for verification.

Step 3. Make a deposit via Apple Pay.

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Enter how much you want to deposit and select Apple Pay as your payment method from the list of options.

Step 4. Use the search box to find XRP.

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Use the search box on the home page to search for XRP and the currency you want to pay in (such as GBP).

Step 5. Make your purchase.

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Enter how much XRP you want to buy, check the details and process the transaction. Once the payment goes through, your new XRP will show up in your exchange account.

Top XRP platforms that accept Apple Pay

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We found 7 crypto platforms for users based in

1. eToro. Best for beginners, copy-trading & demo-account

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4.5
Ratings

$100

Min. deposit

0% commission

Fees

3,600

No. assets

Yes

Demo account

Overview

We love eToro because it’s a crypto trading platform built with beginners and casual traders in mind. The platform combines an interactive, social trading experience with an easy-to-use interface, making it ideal for novice traders.

The far-reaching catalog of 100 cryptocurrencies includes big names like Bitcoin and Ethereum, as well as smaller crypto tokens with high growth potential. Some supported tokens can be seamlessly transferred to the eToro Money crypto wallet for safekeeping.

One feature we particularly appreciate is the ability to interact with eToro’s 35 million users on any asset, market, or portfolio page. If you find traders whose strategies match your risk tolerance, you can copy their portfolios automatically using eToro’s flagship copy trading functionality. eToro crypto’s Smart Portfolios offer a great entry point into digital currencies, an opportunity to learn and potentially benefit from the expertise of more experienced traders.

If you don’t feel comfortable investing your cash straight away, you can use a free demo account, credited with $100,000 virtual dollars. This offers plenty of opportunities to try out a trading strategy that works for you across the 100 crypto tokens available.

Highlights

Fees & Costs

Pros & Cons

Cryptocurrency is offered by eToro USA LLC (“the MSB”) (NMLS: 1769299) and is not FDIC or SIPC insured. Investing involves risk, and content is provided for educational purposes only, does not imply a recommendation, and is not a guarantee of future performance. Invezz.com is not an affiliate and may be compensated if you access certain products or services offered by the MSB.

2. Coinbase. Best secure trading platform for all types of trader

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4
Ratings

$10

Min. deposit

Up to 0.6%

Fees

200

No. assets

No

Demo account

Overview

We love Coinbase because it’s the leading public crypto platform. Coinbase offers more than 170 cryptocurrencies to trade, a secure wallet to store your coins in, and automatic staking rewards on 10+ cryptos through Coinbase Earn.

Coinbase’s user-friendly platform simplifies the buying, selling, and trading processes, making it one of the top crypto exchanges for all levels of trader. But, Coinbase isn’t just an easy to use platform, it’s one of the safest and most secure. 

A public company brings transparency and renown, so you can trust that any money on Coinbase is safe and you’re sharing the platform with over 100 million other users. It stores 98% of customer assets offline in cold storage, minimizing the risk of theft. There is also insurance on all cash balances up to $250,000

The fees: Trading fees start from 0.6% but reduce the higher your trading volume. Bank transfer deposits and withdrawals are free, other payment methods may be charged. There is no fee for wallet-to-wallet crypto transactions but you will have to pay blockchain fees. Coinbase charges a 25% fee for its staking services.

Highlights

Fees & Costs

Pros & Cons

3. Kraken: Best for simple, global cryptocurrency trading from your phone

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3.5
Ratings

$10

Min. deposit

0.10% - 0.26% (volume dependent)

Fees

90

No. assets

Yes

Demo account

Overview

We love Kraken because it’s a beginner-friendly crypto trading platform, one that’s designed to make it quick and convenient to buy and sell crypto on the go. The Kraken mobile app provides access to over 200 cryptocurrencies making it one of the most diverse platforms around. 

With an intuitive interface and many advanced features, the Kraken crypto app is suitable for those just starting, or experienced traders wanting to enhance their trading experience. The Kraken mobile app caters to different trading styles and preferences with spot, margin, and futures all available. 

Kraken’s mobile app also supports up to 5:1 leverage allowing you to amplify your position and potentially increase your returns. With such a wide selection of tokens available and a solid range of features and tools, the Kraken app is one of the top cryptocurrency trading platforms while on the go. 

The fees: Kraken charges a fee of between 0-0.26% on every crypto trade. There are no costs to set up an account and no flat trading fees.

Highlights

Fees & Costs

Pros & Cons

Quick answers to key questions

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Can I buy crypto with Apple Pay?

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Yes, you aren’t limited to buying XRP alone. The only limit is which coins are available on the exchange you’ve chosen. Most crypto exchanges that support Apple Pay as a payment method offer 50+ cryptocurrencies and many offer hundreds more.

Is Apple Pay safe?

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Yes, it’s completely safe to use Apple Pay. The only risk to look out for is to make sure you sign up to a regulated Apple Pay XRP broker when buying XRP. Using an unregulated broker platform can put your money at risk.

How much does it cost to buy Ripple with Apple Pay?

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The costs can vary but usually range between 0.5% – 2.5% of the total transaction amount. Apple Pay is free to use so there are no charges for using it. You will have to pay a commission to the exchange, which varies depending on the platform you use. The best low fee crypto exchanges generally charge 1% or less. 

Can I store XRP on my Apple Pay account?

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No, Apple Pay is a payment service that allows you to make payments with ease. It does not offer any wallet facilities and you cannot store crypto on it. The best option is to use a dedicated cryptocurrency wallet where you will be able to securely hold your XRP tokens. 

Why don’t more crypto platforms support Apple Pay?

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Most crypto brokers and exchanges already support it. Apple Pay is a simple way to use your cards online. 

You simply link your credit or debit card to your Apple Pay wallet and you can make purchases online and in-store. Anywhere that accepts card payments usually will accept Apple Pay.

Should I buy XRP using Apple Pay?

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If you want an easy way to buy it with a card payment, then Apple Pay is an excellent choice. It offers plenty of flexibility so that you can pay with any card that’s attached to your Apple Pay account.

The only drawback is that you can’t hold any crypto on Apple Pay. Here is a quick summary of the other pros and cons.

Pros

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  • Apple Pay is a low fee way to buy and charges no additional fees
  • Low minimum transaction sizes make it a beginner-friendly way to pay
  • Flexibility as you can pay with any of your cards

Cons

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Is there an alternative to buying cryptocurrency with Apple Pay?

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There are plenty of alternatives, whether you want to pay through an online payment provider or go down a more traditional route. Here are some of the different ways to pay for your XRP purchase.

FAQs

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01

Can I buy XRP with Apple Pay on Coinbase?

02

Can I buy XRP with Apple Pay on Cash App?

03

How do I fund my crypto account with Apple Pay?

04

Can I buy XRP with Apple Pay instantly?

05

Can I buy XRP with Apple Pay anonymously?


Sources & references

Prash Raval

Prash Raval

Financial Writer

  • Forex
  • Trading
  • Stocks
  • Investing
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Prash is a financial writer for Invezz covering FX, the stock market and investing. For over a decade he has traded spot FX full time while running an educational service helping novice traders learn the markets. He has a keen interest in micro and small cap stocks....