XRP remains one of the most widely recognized cryptocurrencies by market capitalization, despite ongoing debates about its regulatory status and centralized nature. Often labeled as "the bank's cryptocurrency," it continues to attract interest from both new and experienced investors. One of the most common queries in 2025 is: How can I buy XRP with PayPal?
While PayPal itself does not support direct XRP purchases, several regulated and user-friendly cryptocurrency exchanges allow you to deposit funds via PayPal and then buy XRP seamlessly. This guide walks you through everything you need to know—from platform options to step-by-step purchase instructions—while highlighting security considerations and long-term storage best practices.
What You Should Know Before Buying XRP with PayPal
PayPal has become a go-to payment method for digital transactions worldwide, and its entry into the crypto space was a major milestone. However, its crypto offering remains limited: only Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), and Bitcoin Cash (BCH) are available for direct purchase on the platform.
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This means you cannot buy XRP directly through PayPal. To acquire XRP using PayPal funds, you’ll need to use a third-party centralized exchange (CEX) that accepts PayPal as a deposit method. While this adds an extra step, it opens the door to a wider range of assets, competitive fees, and advanced trading tools.
Keep in mind:
- Fees vary by platform: Some exchanges charge no fees for PayPal deposits, while others may apply a small processing fee.
- KYC verification is usually required: Most platforms require identity verification before allowing large transactions.
- Fund transfer times are typically fast: Deposits via PayPal often reflect in your exchange account within minutes.
Where to Buy XRP with PayPal: Top Platforms
As demand grows, more exchanges now support PayPal funding. Here are some of the most reliable platforms where you can buy XRP using PayPal in 2025.
AvaTrade
- Availability: Global (excluding the U.S.)
- Fees: No fees for PayPal deposits
- Features: Regulated by nine financial authorities, offers over 70+ crypto pairs, and supports CFD trading
AvaTrade is ideal for users seeking a secure, regulated environment with strong customer support and high monthly trading volume exceeding $70 billion.
OKX
- Availability: Over 100 countries
- Cryptocurrencies: BTC, ETH, XRP, SOL, and more
- Features: Advanced trading tools, staking, P2P marketplace, and AI-powered bots
OKX stands out for its low fees, intuitive interface, and robust ecosystem that caters to both beginners and experienced traders.
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YouHodler
- Cryptocurrencies: BTC, ETH, XRP, and stablecoins
- Minimum Deposit: $5–$100 depending on region
- Unique Features: Crypto savings accounts with up to 10.3% APY, staking, and instant loans
YouHodler is perfect for users who want to grow their holdings beyond simple trading.
Kraken
- Availability: Over 100 countries
- Minimum Deposit: $10
- Security: Over a decade of operation, known for top-tier security and high liquidity
Kraken is one of the oldest and most trusted exchanges in the industry, making it a solid choice for long-term investors.
How to Buy XRP with PayPal: Step-by-Step Instructions
While specific steps may vary slightly across platforms, the general process remains consistent. Below is a universal walkthrough using a typical exchange:
Step 1: Create an Account
Visit your chosen exchange (e.g., OKX or Kraken) and sign up using a valid email address. Confirm your email through the verification link sent to your inbox.
Step 2: Complete KYC Verification
To comply with anti-money laundering (AML) regulations, most platforms require identity verification. Upload:
- A government-issued ID (passport or driver’s license)
- Proof of address (utility bill or bank statement)
Verification usually takes minutes to a few hours.
Step 3: Deposit Funds via PayPal
Navigate to the “Deposit” section, select PayPal as your payment method, and enter the amount you wish to deposit (minimum $10 recommended). Log into your PayPal account to authorize the transfer. Funds typically arrive instantly.
Step 4: Buy XRP
Once your deposit clears:
- Go to the trading section.
- Search for XRP/USD or XRP/USDT pair.
Choose between:
- Market Order: Buy immediately at current price
- Limit Order: Set a target price for automatic execution
Confirm the transaction, and your XRP will appear in your exchange wallet.
Frequently Asked Questions (FAQ)
Can I buy XRP directly on PayPal?
No. PayPal only supports BTC, ETH, LTC, and BCH. XRP is not available for direct purchase on the platform.
Is it safe to buy XRP using PayPal on exchanges?
Yes—provided you use reputable, regulated exchanges like OKX, Kraken, or AvaTrade. Always enable two-factor authentication (2FA) and avoid sharing login details.
Why can’t I buy XRP on Binance with PayPal?
Binance does not accept PayPal as a payment method due to past abuse concerns. Users must rely on bank transfers, credit cards, or P2P options.
Can I use PayPal to buy crypto on Coinbase?
Yes—but only through Coinbase U.S. accounts. PayPal is supported as a funding source for buying cryptocurrencies, including transfers to external wallets.
Should I keep my XRP on the exchange?
For short-term trading, yes. But for long-term holding ("hodling"), it’s safer to transfer your XRP to a hardware wallet like Ledger or Trezor to maintain full control over your private keys.
Are there fees when buying XRP with PayPal?
PayPal deposits may incur processing fees depending on the exchange. Additionally, trading fees apply when purchasing XRP—typically ranging from 0.1% to 0.5%.
Final Thoughts: Buying XRP with PayPal in 2025
Purchasing XRP with PayPal is straightforward when using compatible exchanges. While direct buying isn’t possible on PayPal itself, platforms like OKX, Kraken, and YouHodler bridge the gap by accepting PayPal deposits and offering seamless XRP trading.
Always prioritize:
- Platform security and regulation
- Transparent fee structures
- Long-term asset protection through cold storage
Whether you're diversifying your portfolio or entering the crypto space for the first time, understanding how to efficiently use tools like PayPal gives you greater flexibility and control.
👉 Start your journey with a trusted global exchange today.
By following this guide, you’re well-equipped to buy XRP safely and confidently in 2025—maximizing convenience without compromising security.