How to Buy XRP with Google Pay in 2025

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eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.

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

Yes, you can use Google Pay to buy XRP, but not directly. Instead, you can use Google Pay to fund a trading account and buy Bitcoin that way.

This means you’ll need to select a crypto exchange that accepts Google Pay deposits. And, we’re here to help you do that.

How to buy XRP with Google Pay in 5 steps

It takes between 15-45 minutes to buy XRP with Google Pay the first time. After you’re all set up, it takes just a minute. You’ll want to have a copy of your photo ID, a computer or smart phone, and some cash to invest.

Let’s get started.

Step 1. Choose a crypto platform that accepts Google Pay

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We recommend eToro as the best platform to use to buy XRP with Google Pay. However, there are several options, which you can compare in more detail below.

4.6

eToro

Min. Deposit $100

Fees 1%

No. assets 50+

Demo account Yes

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eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.

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. Depending on the platform, this can take anywhere from a few minutes to a couple of days to be approved.

Step 3. Make a deposit via Google Pay

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Once you’re on the platform, you’ll be prompted to deposit for the first time.

Here, you need to enter how much you want to deposit, usually there’s a minimum such as $10, $50, or $100. Select Google Pay as your payment method from the list of options and off you go. You should see the funds arrive in your account fairly quickly!

Step 4. Use the search box to find XRP

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Now that you have funded your account with Google Pay, you can search for XRP or XRP on the app to make an investment.

You’ll likely be able to purchase using a range of currencies, with the most common being USDT, USD, GBP or EUR. Depending on which currency you deposited, you may even need to convert your funds into another base currency. 

Step 5. Make your purchase

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Enter how much XRP you want to buy, for instance $100, check that you’re happy with the details, and click the trade or buy button. The trade should execute immediately, and your new XRP should show up in your exchange account immediately.

Now you own XRP, purchased with Google Pay! Not a big deal, right?

Top XRP platforms that accept Google Pay

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

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4.5

Ratings

$100

Min. deposit

0% commission

Fees

50

No. assets

Yes

Demo account

Overview

We love eToro because it’s a 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 more than 5,500 stocks, ETFs, and crypto tokens, includes big names like Apple, Tesla, and Bitcoin, as well as smaller companies or tokens with high growth potential. You can start trading with as little as $10 using fractional shares if you’re on a tight budget.

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. This is a great way 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 stocks, crypto, and options trading markets.

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

Great for beginners, simple to set up and get started Competitive, industry-leading commissions Popular ‘Copy Portfolios’ function lets you follow top traders Excellent customer service, with live chat support provided

Comparatively high fees for withdrawals and account inactivity Does not integrate with the MetaTrader platform High spreads on some assets

Read review Visit eToro

eToro offers real assets only, no CFD products. eToro securities trading offered by eToro USA Securities, Inc. (‘the BD”), member of FINRA and SIPC. 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 BD.

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

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

Simple and easy to use interface Able to buy cryptocurrencies instantly with a credit or debit card Offers great security on its wallet Can use a variety of payment methods

Quite high fees for credit and debit card instant buys Poor customer support

Read review Visit Coinbase

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

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4

Ratings

$10

Min. deposit

0.10% – 0.26% (volume dependent)

Fees

200

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

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

Cheap/ free deposits in EUR and cheap deposits for the USA Margin trading and Futures supported Transparency – it was the first exchange to carry out proof of reserves Low fees in comparison to other exchanges

Catered towards professional traders with large trading volumes Slow account verification in comparison to other brokers

Read review Visit Kraken

Quick answers to key questions

Can I buy crypto with Google Pay?

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 Google Pay as a payment method offer 50+ cryptocurrencies and many offer hundreds more, so you have plenty of options.

Is Google Pay safe?

Yes, it’s completely safe to use Google Pay. The only risk to look out for is to make sure you sign up to a regulated Google Pay XRP broker. Regulated platforms offer greater investor protection, and usually mean the service has had to abide by certain rules – such as storing your funds separately to the money it uses to run its business, or auditing its reserves to proof it has capital on hand.

Using an unregulated broker platform, on the other hand, can put your money at risk, because you won’t benefit from these protections.

How much does it cost to buy XRP via Google Pay?

The cost to buy XRP via Google Pay varies depending on the exchange or brokerage platform you use. Using Google Pay is free of charge, but you’ll need to pay a fee with your broker; generally, anything above $3 or 2% is expensive, with most platforms charging you around the 1% mark.

Can I store XRP in my Google Pay account?

No, Google Pay is a payment processing service and you cannot store XRP on it. You have two choices when it comes to storing your XRP: keep it on the exchange you used to buy it, or use a dedicated XRP wallet.

Why don’t more crypto platforms support Google Pay?

One reason can be that not enough customers use it, and so the cost and resources required to accept Google Pay simply aren’t worth it. Another reason is that some payment processing systems charge quite high fees to the merchant, which again means it makes less financial sense to allow payments that way.

Ultimately, if Google Pay grows in popularity, then it’s likely that more crypto exchanges or brokers will start accepting it. Most brokers tend to accept a few popular payment methods, like debit cards, credit cards, and bank transfers.

Can I buy XRP using Google Pay with no ID verification?

It’s not possible to buy XRP using Google Pay without ID verification, as this goes against the Know Your Customer (KYC) and anti-money laundering (AML) regulations. These regulations mandate ID verification to prevent illicit activities, like money laundering or fraud. 

Most payment providers, as well as trading platforms or centralized exchanges allowing cryptocurrency transactions, require users to verify their identity. This process typically involves submitting personal information, including but not limited to: 

• Full, legal name,
• Address, 
• A government-issued photo ID. 

These steps are legally necessary and serve as security measures to protect users from fraud and prevent illegal activities. 

Some peer-to-peer platforms facilitate XRP purchases using Google Pay without ID verification, but these transactions carry significant risks, including scams and higher fees.

Should I buy XRP using Google Pay?

Yes, you may want to consider buying XRP with Google Pay. It all comes down to personal preference. If it’s easy for you to fund your crypto brokerage account and offers you an easy way to use your online banking details to make payments, then yes, absolutely.

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