How to Buy XRP With PayPal

  1. Find a platform such as eToro and create an account.
  2. Complete the necessary KYC checks. …
  3. When your account is verified, deposit money into your account using PayPal.
  4. Choose how you want to trade.
  5. Buy your XRP assets.

Is PayPal the Easiest Way to Buy XRP?

buy XRP with PayPal
buy XRP with PayPal

PayPal is convenient, but we’d say that there are better options. The easiest way to buy XRP overall is by using another cryptocurrency

Does Coinbase Accept PayPal?

Coinbase accepts PayPal, but you cannot buy XRP from Coinbase.

PayPal is one of the world’s most popular payment solutions so it’s needless to say that many crypto investors will begin researching whether they can buy their favorite coin using it. One currency that many will look at is XRP, which is available on several exchanges, although it’s a little trickier to find if you live in the US. In this guide, we’ll cover everything you need to know about buying XRP with PayPal, including the best ways to purchase the coin and the top things to look out for.

Top XRP Brokers That Accept PayPal 

When you’re ready to buy XRP, you can choose from one of several platforms. Below, we’ve listed the top providers to help you get started right away.

Can You Buy XRP With PayPal?

PayPal lets you buy several cryptocurrencies directly from its payment platform. Unfortunately, XRP is not one of them. Don’t worry, though, you can purchase your money from other service providers using PayPal. In the section below, we’ll identify the different choices. 

What Crypto Platforms Accept PayPal?

Buying cryptocurrencies has become more complex due to the number of platforms that exist these days. One of the most common places to purchase XRP is through a cryptocurrency exchange, but that’s by no means your only option. Below, you’ll find a list of the crypto platform types that accept PayPal. 

  • Cryptocurrency brokers: Cryptocurrency brokers facilitate trading XRP through buying and selling the underlying assets. In comparison to crypto exchanges, this means that you do not own the coins outright after purchasing. You can sell your assets based on when the market suits your needs. This service is best if you want to make short-term gains. eToro is one broker that sells XRP assets. 
  • Cryptocurrency exchanges: Some cryptocurrency exchanges will let you buy XRP, and when you do, you’ll own the coins outright. One example is Binance. It’s worth noting that many platforms have delisted XRP due to an ongoing legal dispute with the US Securities and Exchange Commission (SEC). 
  • Peer-to-peer (P2P) marketplaces: P2P marketplaces involve you buying XRP from another user, and the intermediary will only get involved if you have a dispute. It’s worth remembering that scams can and do happen on these platforms, so it’s a good idea to talk to the seller before purchasing. An example of a P2P marketplace selling XRP is Coinmama. 

How to Buy XRP With PayPal

When you buy XRP with PayPal, the process will differ a little depending on whether you use a brokerage or a crypto exchange. We’ve listed the steps you need to follow for both of them. 

Cryptocurrency Brokerages

  1. Find a platform such as eToro and create an account.
  2. Complete the necessary KYC checks. Usually, you’ll need to submit a copy of your photographic ID-  whether that’s a passport or driving licence. You’ll also need to send proof of address, such as a utility bill. 
  3. When your account is verified, deposit money into your account using PayPal. 
  4. Choose how you want to trade.
  5. Buy your XRP assets. 

Cryptocurrency Exchanges

  1. Find a cryptocurrency exchange offering XRP and create an account. 
  2. Look for XRP and choose to buy them. 
  3. Choose how much XRP you’d like to purchase. 
  4. Pick PayPal as your payment method and purchase your XRP. 
  5. Store your coins in a wallet. 

Some cryptocurrency exchanges will ask you to complete a KYC check, especially if it’s a centralized platform. 

How to Deposit and Withdraw Via PayPal 


To deposit via PayPal, you’ll need to look for a button prompting you to add money to your account. On eToro, this feature is called “deposit funds”. When you’re there, you’ll need to select how much you want to deposit into your account using fiat currencies (e.g. USD/GBP). You’ll also have to pick the payment option you’d like to use, which in this instance is PayPal. 


Withdrawing money from a broker platform to your PayPal account is easy. You’ll need to find an option letting you do this; on eToro, it’s called “withdraw funds”. Once you’re on this page, you can enter how much you’d like to transfer; again, this will be in fiat money. You’ll also need to select where you want your money to go. Choose PayPal, and enter your account information. Once you’ve confirmed everything, your money will be on its way. 

What Should I Look for in a PayPal XRP Broker?

Before you buy XRP with PayPal, you need to make sure that you pick the right place to buy. Below, you’ll find a bulleted list of five things you should look out for when choosing a PayPal XRP broker. 

  • Fee charges: Some brokers allow you to use PayPal, but this isn’t necessarily going to be free. Many platforms will charge you for depositing money, and they’ll do likewise when you withdraw. Crypto exchanges, meanwhile, will charge both of these — plus maker and taker fees for buying and selling. Costs vary depending on the service you use, so it’s worth shopping around beforehand. 
  • Variety of trading options: You want to ensure you can pay with PayPal, but you still want to make sure you’re trading with a good broker. The best platforms will let you trade several cryptocurrencies and might also allow you to buy and sell company stocks. 
  • Reputation: Sadly, not everyone will have your best interests in mind. There are a lot of rogue platforms that you must beware of. Before you sign up to buy XRP anywhere, read customer reviews to determine whether or not you should place your trust in them. 
  • Speed: You want to be able to buy XRP with the utmost convenience. Look for a broker that facilitates fast transactions and also has an interface that’s easy to use. 
  • Availability: XRP is a little tougher to find because many platforms have delisted the coin. Before signing up to any broker or exchange, you must do additional research to confirm that you can purchase the coin you want using the service. 

Should I Buy XRP Using PayPal?

Having read this far, you should have a good idea of where you can buy XRP using PayPal. We’ve also discussed the top things you must consider when doing so. So, is it worth buying XRP using PayPal? Let’s find out below. 


  • It’s easy to deposit and withdraw using PayPal.
  • It’s easy to sign up for a PayPal account.
  • PayPal lets you deposit money using a variety of fiat currencies.
  • PayPal is a secure way to deposit money in your account.
  • Transactions are often instant.


  • PayPal isn’t widely accepted on crypto platforms.
  • Fees are often high when you use PayPal to buy XRP.
  • You can’t buy XRP from PayPal, whereas you can for the likes of Bitcoin and Ethereum.
  • You can’t use PayPal to buy XRP with other cryptocurrencies.
  • You’ll need to use a separate wallet to store your XRP.

Is Using PayPal the Best Method to Buy XRP?

PayPal is convenient for buying XRP, but we wouldn’t say that it’s the best. Fees are high, and you’ll have more of a difficult time finding a platform that lets you deposit into your account using this payment method. Instead, we recommend using one of the payment methods we’ve listed below to buy XRP. 

What Are the Alternative Payment Methods to Buy XRP With?

If you’ve decided that PayPal isn’t the best option for you to buy XRP, you can use other payment methods to fund your account. Below, we’ve listed a selection of these and provided a quick overview. 

  • Credit/debit cards: One of the most common payment methods used to buy XRP is a credit or debit card. Almost every exchange and broker will accept these payment methods. While they’re convenient, it’s also important to remember that the fees associated with using them are often high. 
  • Bank transfer: Bank transfers are another widely-accepted way to fund your account and purchase XRP. Doing so is straightforward, all you need to do is choose this option when you’re ready to add money before entering your bank details. 
  • Other cryptocurrencies: The cheapest way to buy XRP is by using other cryptocurrencies and exchanging them. This method works if you already have something else, such as Bitcoin. Most crypto exchanges and wallets will let you trade your coins directly. 
  • Skrill: Skrill is a popular digital wallet that is used on a selection of cryptocurrency brokerages. Depositing money into your account works similarly to PayPal. You can also use the platform for fiat-to-crypto withdrawals. 

Final Thoughts

XRP is not as widespread on platforms as larger currencies like Bitcoin are, but there are still a few places to purchase it from. If you still decide that you’d like to use PayPal for this, we recommend buying your coins from eToro.

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Buy, hold and sell cryptocurrency with PayPal

The introduction of this service offers customers a new way to explore cryptocurrency in the PayPal environment they know and trust. Customers can start by buying as little as £1 of cryptocurrency through PayPal. To purchase cryptocurrency, eligible customers can log into their PayPal account via the website or their mobile app, navigate to the new crypto tab to view the four cryptocurrencies available and view current pricing and trends.

Customers can choose from pre-determined purchase amounts or enter in their own purchase amount, before following the prompts to buy the cryptocurrency of their choice. Customers will be able to fund their PayPal account for the purchase using their bank account or debit card. If customers choose to sell cryptocurrency with this new service, funds are normally available quickly to spend in their PayPal account. There are no fees to hold cryptocurrency in a PayPal account. There are transaction fees and currency conversion fees for buying and selling applicable cryptocurrencies.

Create greater understanding and enable access

As part of this offering, PayPal provides account holders with educational content to help them understand the cryptocurrency ecosystem, the volatility, risks, and opportunities related to purchasing cryptocurrency. The company encourages its customers to do their research on the risks and opportunities for various cryptocurrencies before taking the step to buy, hold and sell cryptocurrency with PayPal.

Advancing the next generation of financial services infrastructure

PayPal is one of the largest companies globally to enter the market for digital currencies with its announcement last October that it would allow its millions of U.S. customers to buy, hold and sell cryptocurrencies. This March, the company announced ‘Checkout with Crypto’— enabling customers in the U.S. to use their cryptocurrency alongside other payment methods in their PayPal wallet to make purchases at businesses around the world. In April, the company introduced crypto services on its mobile payment service Venmo in the U.S.

In addition to providing these cryptocurrency services, PayPal has been exploring the potential of digital currencies through partnerships with licensed and regulated cryptocurrency platforms and with central banks around the world. For the past five years, PayPal has increased its focus on, and invested resources in its internal blockchain research team to explore the next generation of digital financial services infrastructure and enhancements to digital commerce.

The company has enabled its cryptocurrency offering through a partnership with Paxos Trust Company. PayPal’s venture capital arm has also made investments in blockchain and cryptocurrency-related start-ups including: TRM Labs, leading cryptocurrency risk management software; TaxBit, a provider of crypto tax software to customers and exchanges; and Talos, institutional-grade infrastructure technology for digital asset trading.

In the UK, PayPal’s new crypto offering which covers buying, holding and selling cryptocurrency will start to roll out this week and will be available within the next few weeks for all eligible customers directly in their PayPal account via the website and their mobile app. To learn more, visit our Newsroom or

About PayPal

PayPal has remained at the forefront of the digital payment revolution for more than 20 years. By leveraging technology to make financial services and commerce more convenient, affordable, and secure, the PayPal platform is empowering more than 400 million consumers and merchants in more than 200 markets to join and thrive in the global economy. For more information, visit