Instantly Buy Ripple With A Credit Or Debit Card – 6 Site (2020)

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Are you thinking about investing in Ripple, XRP the cryptocurrency?

Ripple, or XRP the cryptocurrency of Ripple is one of the most popular cryptocurrencies amongst investors.

XRP has the third highest crypto market cap by all cryptos (using Coinmarketcap). This is after Bitcoin and Ethereum.

So we know that there is a huge interest in XRP.

And for that reason I understand that you might be here, reading this article to learn more about how you can buy Ripple with a credit card or debit card.

I have invested in many different cryptocurrencies. And I’ve used both my card to pay for them, but also bought via a bank transfer and then used a cryptocurrency exchange.

For me they all have different values and use cases.

When buying with your credit card or debit card you can often do it quickly and easily using one of many sites. And you get your new cryptos instantly as well.

This is one of the key selling points of using our cards. Compared to buying via a bank transfer which can take up to 1-2 days.

The process of buying Ripple with a credit card or debit card

Ok, to summarise the steps you need to go through in order to purchase some XRP via a card payment we have listed them here below:

  1. Sign up if necessary (complete any KYC + AML checks)
  2. Enter the amount you want to buy for + your card details
  3. Enter a XRP wallet address – to send your coins to
  4. Complete the purchase
  5. Your XRPs will be sent to your wallet address

6 best sites to buy Ripple with a credit/debit card

When you compare sites where you can buy XRP using a card payment there are a few things that I would urge you to consider.

  1. How good are the prices? There might be times where lets say $100 USD would get you 520 XRPs and another site would only get you 500 XRPs. The prices fluctuate at all times and some sites provide you with a worse conversion rate. Also take fees in to consider which could bring down the price (you can use Go CryptoMarket to compare prices for XRP)
  2. How secure and trusted is the site? I wouldn’t recommend you to use a completely new website with no reviews. I would start using a more trusted site that has been around for a longer time. But don’t just go with user reviews because people complain more often than they give compliments

Those are my two main aspects I urge everyone to consider when choosing a website or exchange.

There are other aspects to that are of importance, such as how user-friendly is the site? How good and available is their customer support?

1 ) Coinbase

Buy Ripple at Coinbase using a credit card or debit card

Coinbase has made it possible for people to buy and sell cryptocurrencies easily and instantly for years. It is one of the most popular options available. Especially for U.S citizens but also Europeans these days.

So if you are looking for a place to buy XRP easily using your card then Coinbase should be high up on your list.


Because it is one of the oldest and most trusted sites to buy cryptos at. And because it is one of the easiest sites to use. Coinbase have become so popular because of its focus on creating a very user-friendly way to buy and sell cryptos.

You can buy Ripple using either a credit card or debit card at Coinbase. This depends on where you live. In Europe it is available to buy cryptos at Coinbase using a credit card in most countries, but not in the U.S or Canada for example.

When using Coinbase you can rest assured that they are one of the most popular and secure crypto platforms around. So when comparing sites to use for buying Ripple I think you will find Coinbase being one the best alternatives.

Get $10 for free when joining Coinbase using this link and buying for $100

How to get started with Coinbase

Head on over to and sign up for a new account if you don’t have one, otherwise, log in. To buy XRP instantly at Coinbase you need to link a bank card (credit card or debit card) to your Coinbase account.

And when you have linked a bank card you can make purchases up to $10,000 per week with the first level of verification done. To buy for more than that then you need to pass additional verifications.

You need your ID and personal details to get a new account at Coinbase. Which is the same for all options on this list.

  • If you want to get help registering a new account then you can use this guide.
  • Learn more about Coinbase and the other site Coinbase Pro here

Coinbase fees

Fees for buying at Coinbase with a bank card is 3.99% of the transaction.

Coinbase screenshot adding payment methods

2 ) Binance

Buy XRP at Binance with your card

Another interesting option is Binance. They are one of the biggest and most popular cryptocurrency exchanges in the world right now.

Usually people use Binance to trade one cryptocurrency for another. Lets say you have some BTC and you want some XRP then you can trade at Binance.

But you can also use Binance to buy cryptos directly from them.

They are branching out and offering more of these cool features, and honestly ways to make Binance become even more popular and dominating.

So you might be a user of Binance already. And if you are then you can simply sign in to your account already.

If you don’t have an account with Binance and you want to buy some XRP with your card then don’t fret. It will only take a few minutes to join and start buying Ripple! Just follow the steps below!

How to get started at Binance

Buy Ripple and other cryptocurrencies with a card at Binance

In order to buy some XRP with a credit/debit card at Binance, you will first need to register with them – head over to and click on Register.

After you have created an account with Binance you can click on ‘Buy Crypto’ -> Credit / Debit Card.

And then you enter the amount you want to buy for in USD, EUR, GBP, or whichever Fiat currency you want to use.

You will need to verify your identity before you can buy Ripple, or any other crypto using this feature at Binance using your card.

And there are different limits in place depending on what level of verification you have completed at Binance.

Binance buying limits and verification

Binance fees

The fees to buy Bitcoin with a card at Binance is 3.50% per purchase

3 ) Changelly

Changelly Crypto Exchange logo

Changelly is another great option and a favourite of ours. We really like the easy design and UX of their website. Here you can not only buy XRP using a VISA or Mastercard, but you can also easily swap one cryptocurrency for another.

That means you could also get your hands on some XRP if you already had some BTC or ETH for example. And then you changed, or swapped some of your ETHs or BTCs for some XRP.

But if you don’t have any cryptocurrency to swap for Ripple coins with then you can also use Changelly to buy XRP directly with a credit card or debit card.

And it is really simple.

I think Changelly might be the easiest option on this list.

You can buy a range of cryptos at Changelly, not just Ripple but popular cryptocurrencies like Bitcoin, Ethereum, Bitcoin Cash, Litecoin, Stellar, Binance Coin and many more. 

How to get started with Changelly

Buy Ripple with your credit card or debit card at Changelly

To get started head over to And then on the start page you will see a payments widget, where you can select exchange – buy – sell.

Select buy and XRP and the fiat currency you want to use (USD, EUR, etc), the amount you want to buy for and your country of residence.

After that you will see a list of payment options available (this will change after amount, country and fiat currency). Select the one with the best offer. Based on price and any fees.

After that you will need to sign up for a new account and enter any KYC/AML information required by Changelly.

When you buy XRP at Changelly you will need to first get a separate Ripple wallet (find alternatives of XPR wallets here).

This is where your XRPs will be sent to after you complete the purchase!

Changelly fees

  • For buying with your card = Changelly fee – 4% + MoonPay fee – 4.99 $/€/£ or 3.5% (whichever is the highest)
  • The fees at Changelly are for swapping = 0.25%

List of payment options available to buy XRP at Changelly

4 ) Bitpanda

Bitpanda - buy cryptos with your card

If you haven’t checked out Bitpanda yet then we recommend you do it. Bitpanda was launched in 2014 by a team based in Vienna, Austria. And they have so far reached over 1 million users.

With a team of more than 120 team members serving them. Working hard to create a super-easy way for people to easily buy Ripple or other cryptocurrencies with a credit card/debit card, or a range of other payment methods.

One of the key things that attracted me to Bitpanda is the amount of cryptocurrencies they had available. And also the different payment methods.

For a long time they had one of the widest ranges of cryptos compared to Changelly, Coinmama and the others on the list.

But now most of these sites has the same list of available coins and tokens.

But still if you are looking for an easy to use site with plenty of cryptos to buy with a credit/debit card then Bitpanda is an excellent choice!

Bitpanda has lots of cryptocurrencies available at their site. Out of every website on this list, Bitpanda has probably one of the best selection of cryptos to buy from, with a card.

You can buy Bitcoin with a few different fiat currencies such as USD, EUR, GBP, CHF. 

How to get started with Bitpanda

Verify your account at Bitpanda to buy Ripple with a card

To get started go to And then you need to sign up for an account.

In order for you to fully make use of Bitpanda’s features and buying XRP you need to finish the full verification first.

That means providing them with proof of identity and other KYC/AML details.

After you have finished that you can proceed to buy Ripple with your credit card or debit card.

At Bitpanda you don’t need to have a separate XRP wallet, but it is advised that you keep all your cryptos in a safe crypto wallet that you own your private keys to.

The steps to buy XRP at Bitpanda

Bitpanda fees

  • The fees for buying cryptos with a bank card at Bitpanda is 1.49% so that’s very cheap comparing to other options on this list. 

Buy Ripple at Bitpanda with a card

5 ) Coinmama

Buy Ripple at Coinmama with a card

Coinmama is another good options worth looking into.

Here you can buy a range of popular cryptocurrencies, and Ripple being one of them.

Coinmama doesn’t have as many cryptocurrencies available. But if you are looking to buy XRP, BTC, ETH or any of the other popular cryptocurrencies then Coinmama is a fine choice.

Here you can buy these cryptos using either a bank transfer or via your credit/debit card.

Coinmama is not much different than any of these other sites, but it is easy to use and fairly straightforward. So I’d advise you to check Coinmama out and see how good their rates are compared to the other sites on this list.

How to get started with Coinmama

How to buy XRP at Coinmama with a card

This is how you can buy XRP at Coinmama. First, you head over to and then you create an account with them.

After that, you need to verify your identity at Coinmama.

Based on the verification level, and the amount of information you provide Coinmama with your payment threshold will get higher.

Once all your documents have been approved you can start buying XRP, up to a value of $15,000 USD with a credit card or debit card.

You will also need a XRP wallet and address available when buying at Coinmama.

So if you haven’t already created a Ripple wallet go ahead and do that before proceeding.

Coinmama fees

  • The fees for buying Ethereum with your bank card at Coinmama is 5.90%.

Buy XRP at Coinmama payment options (fiat)

6 ) Bitit

Bitit buy cryptos with your bank card

Last on this list of sites to use for buying Ripple with a credit card or debit card is the French site Bitit.

Bitit was founded in 2015 in France by three passionate crypto fans. With a clear goal of making it super easy for new investors to easily buy and sell cryptocurrencies online.

Like many others, they realised the potential and value that cryptocurrencies could bring.

Before Bitit and the likes of Coinbase, Changelly and the others on this list buying crypto was often very complex and daunting.

But now buying crypto is easier than ever.

And so is buying Ripple with a card at Bitit!

Here at Bitit you can buy more than 40+ cryptocurrencies, and the list is growing. And you can do so with a credit card or debit card, but also with a bank transfer or voucher.

You can also buy these Bitcoin and these other cryptos using a variety of fiat currencies, from USD, EUR, JPY, SEK, GBP, AUD, CAD, DKK, and many more.

  • Find out exactly which cryptocurrencies and fiat currencies that are available on their website – 

How to get started with Bitit

How to buy Ripple with a card at Bitit widget

If you want to use Bitit to buy XRP then head over to and sign up for a new account (if you don’t already have one).

Proceed through the signup process and then at your dashboard you select Ripple and the amount you want to buy for, fiat currency and proceed.

You will also need to set your delivery address, which is the wallet address your XRPs will be sent to.

You can also connect your existing hardware wallets, like the Trezor wallets or Ledger wallets. This is highly recommended.

Buy XRP at Bitit

Bitit fees

3.9% fees for a VISA or Mastercard payment. Other fees are 0.25% for instant buying via a EUR wallet using a bank (SEPA) transfer, 4.9% for Skrill

Buy Ripple at Bitit with your credit card, debit card or bank transfer


Ok that’s the end of this guide to buying XRP with a credit card or debt card.

I hope it was helpful.

I think any of these sites would make a good choice to start with. There are of course other alternatives out there. But these are sites that I have tried myself and can recommend.

To help you make a decision between these sites I could encourage you to compare them:

  • How good is the price and conversion rate? What would $500 USD give you in XRP at each site?
  • How much do they take in fees?
  • How easy is the site to use?

With Coinbase, Bitpanda, and Binance you can leave your XRPs at the exchange. But it is recommended to have your own wallet. And we would recommend that you use a secure hardware wallet.

Like Ledger Nano X, Ledger Nano S or the Trezor One or Trezor Model T.

If you have any suggestions for other sites to use then share those at the comment section or get in touch with us.

Otherwise, I hope you liked this article, feel free to share it with others that might want to buy Ripple with a card.

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