How to Buy XRP Using Debit or Credit Card in 2025 - A Comprehensive Guide
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The US Securities and Exchange Commission (SEC) dropped its charges against Ripple, the XRP token issuer, on March 19th. Since then, institutional demand for XRP has been on the rise, with several exchange-traded funds based on the asset already filed with the agency.

With analysts anticipating a surge in XRP price over the coming months, we would like to demonstrate how you can buy the token using your debit or credit card to ensure you don’t miss the potential gains. Read on to learn more.

Understanding XRP

XRP is the native token of the XRP Ledger, a blockchain network developed to process cross-border payments. As mentioned, the digital asset is issued by Ripple, a fintech company co-founded by David Schwartz, Jed McCaleb, and Arthur Britto.

XRP has a total token supply of 100 billion, with 58.68 billion already in circulation. According to data from CoinGecko, the currency has a market cap of $136.33 billion as of May 26th.

Buying XRP With Your Credit/Debit Card

Here is what you should do to acquire XRP from a centralized exchange using a debit or credit card.

Step 1: Create an Exchange Account

Before buying XRP, you will need to find a centralized exchange that lists it. After that, create an account by providing details such as your name, email, and a unique password. Keep in mind that all regulated exchanges require new clients to verify their identity before trading cryptocurrencies. Therefore, share the requested documents, which usually include a government-issued ID or driver’s license.

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Step 2: Add Your Debit/Credit Card

After creating an account, it is time to add your valid credit or debit card as your preferred method of payment. To do this, look for the ‘linked accounts’ or ‘add funds’ feature on the trading platform. Next, select ‘bank cards’ as your ideal payment method and enter the card details, including the CVV number, card number, and expiration date.

It is worth reminding you to confirm whether your exchange accepts the card you are using by looking for the Mastercard and Visa logos.

After inputting the required card information, press ‘Add Card’ and enter the OTP code sent by your bank. Once this is done, you will be ready to purchase XRP with your fiat balance.

Step 3: Place a Buy Order

To buy XRP, open your exchange account and then search for the ‘Buy Crypto’ functionality. Afterward, select XRP and enter the fiat amount you want to invest in it. Given the high price volatility in the crypto markets, investing what you are willing to lose is advisable.

Once you have specified the amount of money you want to spend on XRP, choose ‘bank cards’ in the mode of payment box and select the added card. Next, preview the transaction details and press ‘Confirm’ if you wish to complete the transaction. If your bank allows crypto transactions, the exchange will process your XRP purchase within minutes and deposit the tokens in your account.

Where to Buy XRP

As the fourth-largest cryptocurrency by market valuation, XRP is listed on multiple tier-1 centralized exchanges, giving investors easy access. These exchanges include:

Binance: It is the leading crypto exchange based on trading volume. Given Binance’s wide geographical availability, it is likely that it operates in your region, thus allowing you to buy XRP with your bank card conveniently.

Coinbase: This is a go-to exchange for American investors. Coinbase’s compliance with regulations makes it an ideal choice for potential XRP investors who value the safety of their funds.

Bybit: The exchange’s deep liquidity allows investors to complete XRP purchases at desired prices.

Other reliable exchanges that list XRP include Kraken, MEXC, KuCoin, Crypto.com, and Bitget.

Final Thoughts

As financial institutions seek to integrate blockchains into their systems to process transactions quickly and efficiently, XRP Ledger is likely to witness adoption, which could fuel the demand for XRP. Still, we insist on buying XRP using funds you can afford to lose.

Frank Martin (MoneyAmped.com)

By Frank Martin (MoneyAmped.com)

Frank Martin is a financial writer with over a decade of experience covering personal finance, investing, and business. His work has been featured in numerous publications, including MoneyAmped, where he helps readers make sense of complex financial concepts and take control of their money.

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