How to Buy XRP in 2019 | Step-by Step Beginner's Guide

Anisa Batabyal
| 06 May, 2020 | 2 min

How To Buy Ripple

Ripple is the organization and XRP is the token, which can be used to transfer the value across the Ripple network. Ripple doesn’t have a blockchain like Bitcoin and Ethereum, but it works through its own patented technology known as Ripple Protocol Consensus Algorithm (RPCA). XRP is the third largest token in the world by market capitalization and has multipurpose like low commission currency exchange, fast international transactions and a unified payment ecosystem.

How To Buy Ripple With USD

You can buy XRP with USD easily by going to CoinSwitch portal. You can easily get XRP by giving in your fiat currencies like USD or Euro. This latest feature is powered by Simplex, an enabler for buying crypto with a Credit card, which helps you purchase the crypto tokens with ease and smooth transition. If you are a first time user, your maximum limit for a day can be somewhere between $50 to $10,000. Once your first time is done, your daily limit exceeds to $20,000 and your monthly limit becomes $50,000.

The best part is that there is no compromise on the speed of the transaction as it's powered by the lightning network and you can reach out to CoinSwitch 24/7 as their support team gives you instant query solution. When you go to the CoinSwich page, click on “buy with credit card”, and it will take you to this page:

Let us check out the steps involved in buying XRP with a credit card:

#1 Sign Up

This is a mandatory step where you need to sign up before going ahead with the transaction. In order to avoid it towards the end, during the checkout process, it is highly recommended that you finish off the sign-up process right in the beginning.

#2 Adding The Details

In this step, you need to add the required details like the XRP address and the destination tag. Once you enter that, it will take you to a gateway, wherein you need to add the credit card details, which is the second last step before you check out. The exchange always makes sure that the privacy of the users is maintained and no data is leaked.

#3 Knowing Your Customer (KYC)

This step is very important where the basic details of the user are taken into account, after which it leads to seamless check out of the transaction. Some user ID proof is required, which should be genuine in order to avoid any kind of delay in the transaction process.

How to Buy Ripple With Debit Card

There are many exchanges across the world, which are accepting debit cards and you can now buy XRP by using a debit card. Just check whether that exchange is supporting your country. As of now, let’s discuss two main exchanges which accept a debit card for buying XRP:

#1 Coinbase

Coinbase is one of the most renowned exchanges in the world, which enables you to purchase XRP and other cryptocurrencies with a debit or credit card, eve wire transfers. Just remember that your debit card should be 3D secure, with a password. Because of it's easy to use interface and convenience, it is being favored by the crypto enthusiasts all across the world.

Supported Countries: USA, Europe, Canada, Australia, United Kingdom


  • Purchasing limits are high
  • Buy XRP instantly with a debit card.


  • Bank transfer purchases might take 5 days or more to complete.

#2 CoinSwitch

CoinSwitch even supports buying XRP with a debit card, which can be either MasterCard or Visa. This specific feature is backed by Simplex, a platform which enables purchasing cryptos through credit or debit card. The steps involved in purchasing XRP through a debit card is the same as that of buying with a credit card. Most of the steps are standardized and common for almost all the exchanges, which are as follows:

  1. You need to create an account with the respective exchange
  2. Add your debit card details so that the transaction happens seamlessly.
  3. Go through the KYC process and verification process.
  4. After this, you can purchase Ripple using the debit card.

How To Buy Ripple With A Credit Card

Same as “How To Buy Ripple with USD”

How To Buy Ripple With Wire Transfer

Wire transfer, also known as bank transfer enables the users to purchase XRP and many other tokens through some of the supported exchanges. We can discuss some of the exchanges that support wire transfer:


This is one of the renowned exchanges, originally from the UK, and supports purchasing and selling of cryptocurrencies like XRP and many more. It has earned a lot of credibilities as it has been in the market for a while, since 2013. You can configure the card details with in order to buy it instantly, without having any wait times.

#2 HitBTC

HitBTC is also one of the prominent exchanges that support wire transfer for XRP and other cryptocurrencies. They have an advanced trading solution providing real-time settlement and clearing, multi-currency support and advanced order matching that supports Robot trading as well. 

How To Buy XRP With Other Altcoins

When it comes to buying XRP or any other coins with other altcoins, CoinSwitch comes to the mind instantly, as it provides support to more than 400 cryptocurrencies, and more than 45,000 crypto pair like XRP to ETH and many more. CoinSwitch not only gives you the most competitive rate but also gives you the accessibility of reaching out to us anytime you want, as the customer support team is 24/7 active. You can buy XRP now and CoinSwitch is one platform where you can buy XRP without registration. This might be considered as one of the safest ways to buy XRP token.

You can follow these steps in order to understand how to buy Ethereum with other altcoins:

#1 First you need to go and put the respective altcoin that you are going to exchange Ripple for. For example, let’s take Litecoin as an example:

#2 After this, you can check out the different offers with the different exchanges, compare and choose the best rate, for instance, let’s take SwapLab here.

#3 Then you just have to put the XRP address of the wallet, where it will be deposited. Post which you can initiate the exchange.

How To Buy Ripple Peer To Peer

If you want to reserve some anonymity and want to be in complete control of your currency at all time, then peer to peer transactions can be considered as one of the best ways to trade. P2P websites connect the buyers and sellers, with no other entity involved. XRP doesn’t have many options like BTC or ETH, but there is one peer to peer website for XRP, that ensures safety,i.e, Cointal. After registering, you can check out the offers. Cointal automatically deducts a certain transaction fee from your wallet. Deposits and purchases don’t incur any charge, while withdrawals and selling ask for a 1% fee. Buy XRP anonymously at Cointal, where you learn how to buy XRP without any registration, but that will be risky.

Should You Invest In Ripple In 2019?

As we know, Ripple is primarily focused on lending its service to the global financial system. It was designed not to be a store of value but an accounting tool for RippleNet. But now that the XRP community is increasing more than ever with famous integrations like Money Gram, Deloitte, American Express and many more. But it is always advisable to do thorough research before taking any investment decisions.

About CoinSwitch is the world’s largest cryptocurrency exchange aggregator which supports 300+ coins and over 45,000+ pairs. It provides an easier way of trading through global exchanges like Binance, KuCoin, IDEX, Huobi, Ethfinex, HitBTC and Cryptopia without creating an account on them. If you are interested in buying cryptos, do give it a try!

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