Ripple RippleIcon

How to Buy Ripple with Credit Card and Debit Card

There are two ways to buy Ripple with credit or debit card. The first is to convert your currency into Bitcoin using Coinbase, then convert Bitcoin into Ripple on Binance.

The second method is Changelly, which allows for the purchase of Ripple with USD, but has higher fees to purchase.

How to Buy Ripple with Bank Account

There are two ways to buy Ripple with a bank wire or transfer. First, you can buy Bitcoin on Coinbase using your Bank account. After you purchase Bitcoin, you can send it to an exchange that sells Ripple, like Binance. See our tutorial below for instructions on each method.

Method 1 - USD/EUR -> BTC -> Ripple

There are several exchanges through which you can buy Bitcoin. Coinbase, Coinmama, or BitPanda are the easiest to use.

Coinbase is a very beginner friendly US based exchange, that sells cryptocurrency to most countries and all US states. To see if Coinbase supports your country, check this link!

Coinmama handles credit or debit card purchases. Coinmama is great because they have higher credit or debit card purchasing limits than Coinbase, as well as fast delivery of your funds. Bitpanda. Bitpanda is an exchange that processes credit or debit card purchases. Their fees are slightly lower, but ONLY sells Bitcoin to residents of European Union (EU) countries.

Coinbase is the most beginner friendly while Coinmama is great for credit or debit transactions as it has higher purchase limits and quick delivery. BitPanda is great (but it only works in Europe) and has a 5% fee on credit or debit purchases. We will use Coinbase in this example. Also, if you purchase over $100 of Bitcoin through the following link, you will receive an extra $10 BTC for FREE! Create an account on Coinbase if you don’t have one already and then add your payment method.

After creating your Coinbase account, you need to add a payment method. If you are going for the route with the lowest fees, it is best to use a bank transfer. If timing is more important, use a credit or debit card, as this is much faster! The Coinbase signup process takes time, but this is to ensure security for customers. Click the Buy/Sell tab on the top/middle of your screen. From this page, you can easily purchase Bitcoin, Litecoin, or Ethereum. All of these cryptocurrencies can be converted into 00000000000 on exchanges such as Binance, but for this tutorial we will use Bitcoin.

Fiat to Bitcoin Exchanges

Exchange Countries Fees
Coinbase USA 1.49% - Bank
Coinmama Mostly Everywhere 5.5% - Credit/Debit
Bitpanda Europe ONLY 5% - Credit/Debit

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After hitting Confirm Buy, you are finished with this step! Next will be transferring the Bitcoin to a 000000 exchange. Also, at this point, we strongly suggest setting up two-factor authentication (2FA) on all exchanges. Two factor authentication combines two different components to ensure the real user is trying to access the account.

Bitcoin to Ripple Exchanges

Exchange Countries Fees
Binance Everywhere .05%
Changelly Everywhere .5%
Bittrex Everywhere .25%

Step 2: Transfer your Bitcoin

Once you have bitcoin, you will need to move it to an exchange that trades XRP/BTC. Binance is hugely popular due to its intuitive interface and solid customer support. Click the send button on Coinbase as seen in red highlight in the picture below. You will be asked for the recipient’s wallet address. Enter your Binance Bitcoin address, which you can find by going to the “Funds” tab on the Binance navigation bar, then clicking “Balances”. Once on this screen, you will see a list of coins. Scroll down to Bitcoin, and hit the “Deposit” button. Copy the address that appears and paste into Coinbase. Click send on Coinbase, and wait about 30 minutes for your BTC to arrive. Depending on the traffic on the Bitcoin network, your transfer may take 20 minutes to an hour, sometimes longer. This can be stressful but do not worry!

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Step 3: Buy Ripple

After you send bitcoin to Binance, go to the BTC/XRP trading page and enter a price with which you are comfortable. You can look at the order book to get a sense of the current rates. After your order is processed, you will see it in your Ripple wallet balance in Binance!

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Method 2 - How to Buy Ripple with Changelly

Step 1: Create an account on Changelly. They have a relatively easy signup process and allow the use of Google, Twitter or Facebook logins to make the sign-up seamless.

Step 2: Upon creating an account, go to the main page as seen here, and use the conversion box to initiate an exchange. In this example, we are going to buy Ripple with USD.

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How to Buy Ripple with PayPal

Due to Paypal’s chargeback feature, buying Ripple with Paypal requires one extra step. The exchange VirWoX allows you to convert paypal balance into Bitcoin. Read our tutorial on this conversion. Once you have Bitcoin, you can send it to Binance as seen in the example above.

Can I Buy Ripple on Coinbase?

Currently, Coinbase does not sell Ripple. Due to Ripple’s increasing popularity, there is a chance it could be added to Coinbase, or other mainstream exchanges in the future. If you want to buy ripple now, please follow the above steps.

How to Store Ripple

Ripple is easily and securely stored on the highly popular hardware wallet Ledger Nano S!