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How to buy XRP with PayPal in 2025
Trade your favourite markets with our top-rated broker, .
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 PayPal?
Yes, you can buy XRP with PayPal, but not directly. PayPal only supports a limited number of cryptocurrencies, including, Bitcoin, Ethereum, Bitcoin Cash, and Litecoin. However, you can use PayPal to fund a trading account and buy XRP that way.
You just need a crypto exchange that accepts PayPal deposits. And we’re here to help.
How to buy XRP with PayPal – a step-by-step guide
Copy link to sectionIt takes about 15 minutes to buy XRP with PayPal. 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 PayPal.
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
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 PayPal
Copy link to sectionEnter how much you want to deposit and select PayPal 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 PayPal
Copy link to sectionWe found 3 crypto platforms for users based in
1. eToro. Best for beginners, copy-trading & demo-account
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Overview
We love eToro because it’s an easy place to trade the currency markets. Forex can be intimidating, but eToro strips back the complexity to give you a platform where you can trade 50+ currencies at competitive prices and with up to 30x leverage*.
*CFDs trading is restricted for US users.
As well as being a broker that offers lots of investor protection, eToro offers a very social trading experience. You can easily see how all the major and minor forex pairs are performing every day, track how investors feel about every one of those currencies, and copy other people’s trade suggestions from your desktop or the eToro app.
The fees: eToro charges a fee on currency trades through the spread. Spreads are variable depending on the currency and start from 1 pip for EUR/USD trades, 1.5 pips for EUR/GBP, and 2 pips for GBP/USD. Overnight and weekend fees apply.
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
51% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money.
2. OKX. Best for futures and margin trading
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Overview
We love OKX because it’s an adaptable and flexible exchange, with an app that’s available in three different versions depending on how you trade. Choose from the beginner-friendly Lite version, Web3 option for NFT traders, or the Pro version for a plethora of trading tools.
From an app or desktop you can trade 350+ crypto coins on one of the world’s top crypto exchanges. You can fund your account easily, through a variety of simple payment methods, and a sliding scale of fees that means you can access discounts by holding the OKB token or trading high volumes.
The fees: Regular users pay a 0.1% fee on spot crypto trades. OKB crypto holders are entitled to a discount, up to 0.02% off for holding more than 2,000 coins. High volume traders are also entitled to a discount, with the cheapest fees available for traders with a 30 day trading volume above $10,000,000,000.
Highlights
| No. of tradable assets | |
| Min. Deposit | |
| ID verification required | No |
| Free demo account | No |
| Supported assets | |
| Mobile trading app | No |
| Web trading platform | No |
| Regulatory bodies |
Pros & Cons
Quick answers to key questions
Copy link to sectionCan I buy crypto with PayPal?
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 PayPal as a payment method offer 50+ cryptocurrencies and many offer hundreds more. Here are some of the most common crypto coins you can buy with PayPal:
| Cryptocurrency | Cryptocurrency | Cryptocurrency |
|---|---|---|
| Bitcoin (BTC) | Ethereum (ETH) | Bitcoin Cash (BCH) |
| Doge on Pulsechain (DOGE) | Litecoin (LTC) | Ethereum Classic (ETC) |
| Stellar (XLM) | Cardano (ADA) | Polkadot (DOT) |
| Cronos (CRO) | SKALE (SKL) | Immutable (IMX) |
| IOTA (MIOTA) | EOS (EOS) | TRON (TRX) |
| Zcash (ZEC) | BNB (BNB) | Tezos (XTZ) |
| Maker (MKR) | Compound (COMP) | Chainlink (LINK) |
| Uniswap (UNI) | yearn.finance (YFI) | Dash (DASH) |
| Aave (AAVE) | Filecoin (FIL) | Algorand (ALGO) |
| Cosmos (ATOM) | Decentraland (MANA) | XRP (XRP) |
| View more > | eToro > |
Is PayPal safe?
Copy link to sectionYes, it’s completely safe to use PayPal. The only risk to look out for is to make sure you sign up to a regulated PayPal XRP broker when buying XRP. Using an unregulated broker platform can put your money at risk. Below is the regulatory status of the best XRP PayPal brokers:
| Region | eToro regulators | Gemini regulators | OKX regulators |
|---|---|---|---|
| Africa | – | – | – |
| Asia | – | – | – |
| Australasia | ASIC | – | – |
| Europe | FCA, CySEC | – | – |
| International | – | – | – |
| North America | FinCEN | – | – |
| South America | – | – | – |
| View more > | eToro > | Gemini > | OKX > |
How much does it cost to buy XRP via PayPal?
Copy link to sectionIt varies between platforms; some crypto exchanges offer completely free trading, others charge a percentage of the trade value as a fee. At most the commission is likely to be 1-2%.
Even for free brokers, there might be a ‘hidden’ charge in the difference between the buy and sell price for XRP (known as a spread). The larger this gap, the more of a cut the broker is taking.
Some other platforms may charge deposit or withdrawal fees as well. Here are the fees charged by the top 3 PayPal XRP brokers:
| Asset | eToro fees | Gemini fees | OKX fees |
|---|---|---|---|
| Crypto | 1% | – | – |
| Commodities | From 2 pips | – | – |
| Forex | From 1 pip | – | – |
| Index prices | From 0.75 pts | – | – |
| Stocks | 0% commission | – | – |
| Stock CFDs | 0.15% | – | – |
| ETF CFDs | 0.15% | – | – |
| View more > | eToro > | Gemini > | OKX > |
Can I store XRP in my PayPal account?
Copy link to sectionNo, you can’t keep XRP on PayPal. You can either leave your coins in a trading account or move them to a dedicated XRP wallet.
PayPal can be used as a crypto wallet for four cryptocurrencies – Bitcoin, Ethereum, Bitcoin Cash, and Litecoin – but XRP (Ripple) isn’t one of them yet.
Why don’t more crypto platforms support PayPal?
Copy link to sectionThe PayPal app can be an expensive method for merchants to use and so many platforms have turned to competitors who charge less per transaction. The likes of Skrill, Neteller, and Payoneer have become popular alternatives in the US and Europe.
Should I buy XRP using PayPal?
Copy link to sectionPayPal is a great way to buy XRP if you can find a broker that accepts it. It’s easy to set up an account with an email address and you can transfer money around easily without worrying too much about fees.
However, not all your favourite crypto brokers accept PayPal deposits. If they do, there’s often a higher charge for depositing from PayPal compared to other payment methods.
Here is a quick summary of the pros and cons of using PayPal to buy XRP (Ripple).
Pros
Copy link to section- Easy to keep track of your money all in one place
- Only need an email address and phone number to create a PayPal account
- XRP may be one of the next cryptocurrencies to be added to the PayPal exchange
Cons
Copy link to sectionIs there an alternative to buying cryptocurrency with PayPal?
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.
