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How to buy XRP with Apple Pay in 2025
In this guide
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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
Copy link to sectionIt 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 .
Copy link to sectionWe recommend eToro as the best platform to use to buy XRP with Apple Pay.
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.
Copy link to sectionYou 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.
Copy link to sectionEnter 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.
Copy link to sectionUse 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.
Copy link to sectionEnter 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
Copy link to sectionWe found 7 crypto platforms for users based in
1. eToro. Best for beginners, copy-trading & demo-account
Copy link to sectionOverview
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
No. of tradable assets | 3600+ |
Min. Deposit | $100 |
ID verification required | Yes |
Free demo account | Yes |
Supported assets | Stock CFDs, ETF CFDs, Forex CFDs, Index CFDs, Commodity CFDs, NFTs, Crypto |
Mobile trading app | Yes |
Web trading platform | Yes |
Regulatory bodies | ASIC, FCA, CySEC, FinCEN |
Fees & Costs
Trading fees | Yes, on certain assets |
Inactivity fees | Yes |
Rollover/overnight fees | Yes, on CFDs |
Withdrawal fees | Yes |
Spreads | Yes, on certain assets |
Conversion fees | Yes, for non-USD currencies |
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
Copy link to sectionOverview
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
No. of tradable assets | 150+ |
Min. Deposit | $10 |
ID verification required | Yes |
Free demo account | No |
Supported assets | Crypto, NFTs |
Mobile trading app | Yes |
Web trading platform | Yes |
Regulatory bodies | FSA, FCA, NFA |
Fees & Costs
Trading fees | Yes |
Inactivity fees | No |
Rollover/overnight fees | No |
Withdrawal fees | Yes |
Spreads | Yes |
Conversion fees | Yes |
Pros & Cons
3. Kraken: Best for simple, global cryptocurrency trading from your phone
Copy link to sectionOverview
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
No. of tradable assets | 200+ |
Min. Deposit | £10 |
ID verification required | Yes |
Free demo account | Yes |
Supported assets | Crypto, NFTs |
Mobile trading app | Yes |
Web trading platform | Yes |
Regulatory bodies | FSA, AUSTRAC, FCA, MiFID II, FinCEN, FINTRAC |
Fees & Costs
Trading fees | Yes |
Inactivity fees | No |
Rollover/overnight fees | No |
Withdrawal fees | No |
Spreads | Yes |
Conversion fees | Yes |
Pros & Cons
Quick answers to key questions
Copy link to sectionCan I buy crypto with Apple Pay?
Copy link to sectionYes, 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?
Copy link to sectionYes, 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?
Copy link to sectionThe 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?
Copy link to sectionNo, 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?
Copy link to sectionMost 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?
Copy link to sectionIf 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
Copy link to section- 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
Copy link to sectionIs there an alternative to buying cryptocurrency with Apple Pay?
Copy link to sectionThere 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.
- Buy Bitcoin with Afterpay
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