Buy XRP
Buy XRP on Binance.US, a regulated U.S. cryptocurrency exchange, in just a few minutes and from as little as $2. XRP is the native asset of the XRP Ledger, and sending it to another platform usually needs a destination tag, which this guide explains alongside each step of your first purchase.
- Buy XRP on a licensed, regulated U.S. cryptocurrency exchange
- Zero fees when you deposit U.S. dollars by bank transfer (ACH)
- Your XRP is credited to your account balance the moment your order fills.
Below, we cover each step in detail, explain payment methods, fees, keeping your XRP safe, and using a destination tag, and go over what you can do with XRP after you buy.
Convert USD and XRP
1 XRP = $1.33
Live rate and amounts refresh continuously. Calculate exchange rates between USD and cryptocurrencies.
XRP live price and chart
$1.3300
-2.71%Last 1D
How to buy XRP on Binance.US
To buy your first XRP on Binance.US, follow these four steps:
Create Your Account
Sign up with your email on the Binance.US website or app, then verify your identity. Verification is required on every regulated U.S. cryptocurrency exchange.
Choose a Payment Method
Deposit via Bank Transfer (ACH) with 0% fees. Use debit & credit card, Apple Pay, and Google Pay for instant deposits, or wire transfer for larger amounts.
Select XRP
Choose XRP and enter the dollar amount. You can start with a fraction of a coin.
Complete Your Order
Review the amount, price, and any fees, then place your order. Securely manage, trade, or withdraw your XRP to any wallet that supports it.
Fund your account and compare payment methods and fees
Once you fund your account, make an instant, one-time purchase or schedule automated recurring buys with Binance.US. Visit our fee schedule to learn more about how Binance.US offers some of the lowest fees among regulated U.S. exchanges.
| Payment method | Funding speed | Fee | Available for |
|---|---|---|---|
| Bank transfer (ACH) | Usually instant | Zero-fee | Buy and Deposit |
| USD/USDT balance | Not applicable | Not applicable | Buy |
| Debit or credit card | Instant | 3.99% (Card issuer fees may apply) | Deposit |
| Wire transfer | 1 to 3 business days | $0 from Binance.US. Bank fees may apply. | Deposit |
| Apple Pay or Google Pay | Instant | 3.99% (Card issuer fees may apply) | Deposit |
- 1 Trading fees and spreads apply when you buy, sell, or convert crypto.
- 2 Funds deposited by ACH, debit card or Apple Pay, and any crypto bought with them, carry a 7-day hold before you can withdraw.
Binance.US is operated by BAM Trading Services Inc., a licensed and regulated United States cryptocurrency exchange platform that enables American residents to securely buy, sell, trade, and stake digital assets with fiat on-ramp capabilities, U.S.-based custody, and regulatory compliance.
Is it safe to buy XRP?
Yes, it's safe to buy XRP on Binance.US. Binance.US is operated by BAM Trading Services Inc., registered with FinCEN as a money services business [1], licensed as a money transmitter in 32 states [2], and independently audited to the SOC 2 Type II standard [3]. User assets, including XRP, are held 1:1 in U.S.-based custody, with the majority in offline cold storage. Two-factor authentication is required on every account for extra security.
XRP's price can move sharply in either direction, so buy only what you could comfortably hold through a fall.
How to keep your XRP safe after you buy?
After you buy XRP, you can securely hold, manage, trade, or withdraw it to a wallet of your choice, including the self-custodial Binance.US Web3 Wallet. Turn on whitelisting to limit withdrawals to addresses you have already saved and approved.
Binance.US also monitors withdrawals, deposits, and account changes like 2FA resets or password updates in real time, and automatically suspends withdrawals for up to 120 hours if something looks suspicious.
See how Binance.US protects your funds on our Trust Page.
Do you need a destination tag to send or receive XRP?
Yes, you need a destination tag for receiving XRP on Binance.US, and for sending it to an exchange or other shared platform.
Binance.US calls this field the memo. A destination tag, or memo, is a number that tells a shared XRP Ledger address which customer a payment belongs to. Binance.US supports XRP on the XRP Ledger only.
To receive XRP, copy both the deposit address and the memo from your Binance.US account. To send XRP, enter the tag the receiving platform gives you.
If a supported deposit arrives without its memo, the Deposit Recovery tool may still credit it, minus a 5% processing fee. A withdrawal sent with a missing or wrong tag cannot be recovered. A personal wallet you control usually needs no tag.
Every XRP Ledger address must hold a small reserve of XRP that it cannot send. XRP sent to a brand-new address must at least cover that reserve.
What can you do with XRP after you buy it?
From your Binance.US account you can hold XRP, sell it, or trade it.
XRP has two trading pairs on Binance.US, XRP/USD and XRP/USDT, so you can move between XRP and other assets without leaving the platform.
You can also withdraw XRP to a wallet you control on the XRP Ledger. See the supported networks list for current XRP transfer details.
How much XRP do you need to buy?
Binance.US lets you buy XRP starting at $2. You can buy a fraction rather than a whole coin. Check the live XRP price to see what your amount is worth.
New to XRP? Learn what XRP is before you start.
Buying XRP at a glance
Start with as little as $2
Buy a fraction of a XRP, no need to purchase a whole coin.
Fund Your Account Fast
Deposit via Bank Transfer (ACH) with 0% fees, use wire transfer for larger amounts, or fund instantly with debit & credit card, Apple Pay, and Google Pay.
Transparent fees
Preview any Binance.US or payment method fees before you buy XRP. A spread applies to Buy, Sell & Convert orders.
Regulated & Audited
Binance.US is a regulated U.S. exchange, licensed in 32 states and SOC 2 Type II audited.
What else do people ask about buying XRP?
The questions below answer what people ask most before their first purchase, from safety and how much to start with, to fees, timing, taxes, and identity verification.
A beginner can start with as little as $2, since Binance.US lets you buy a fraction of an XRP. There's no right amount for everyone, so let your budget and goals set the size of your first purchase. Add more over time with recurring buys if you'd like.
Check the live XRP price to see what a given amount, such as $100, buys at the moment.
Yes. Each XRP is divided into one million units called drops. On Binance.US you can spend any amount from $2 and receive part of a coin. Learn more about how XRP works in our XRP guide.
Fund your account by bank transfer (ACH), which costs nothing, then pick how to buy. The one-step Buy option is the simplest and includes a small spread. Advanced (Spot) Trading, where XRP trades as XRP/USD and XRP/USDT, charges 0% maker and 0.02% taker on most pairs, falling to 0.01% taker once your 30-day volume reaches $500 million; paying those fees in BNB takes off a further 5%.
Yes. Binance.US lets you add funds instantly with a debit or credit card, Apple Pay, or Google Pay, and then use that balance to buy XRP. Card deposits cost 3.99%, and your card issuer may charge its own fees on top.
Usually a few minutes: once your account is verified and funded, an XRP order fills straight away. Card, Apple Pay, and Google Pay deposits arrive instantly, and ACH deposits nearly as fast. The XRP is yours to trade at once, but if you funded with ACH, debit, or Apple Pay, the USD value can't be withdrawn for 7 days. See the buy hub for funding timelines by method, or read why there's a 7-day hold.
For U.S. tax purposes XRP counts as property: selling it, converting it to another asset, or spending it can produce a gain or loss you report, while buying XRP and holding it is generally not taxable. For more information on cryptocurrency tax reporting, read our guide on crypto taxes.
No, Binance.US Staking does not support XRP. The XRP Ledger confirms transactions through trusted validators rather than proof of stake, so you can't earn staking rewards.
No, you need an ID to buy XRP. Binance.US verifies the identity of every customer before they can buy any asset, as all regulated U.S. exchanges must, and that check also helps keep your account and funds secure.
See the compliance overview for how Binance.US verifies customer identity.
Binance.US sells XRP to customers in every state where it operates, on the web and in the app. Check the supported states list before you sign up, since coverage changes over time, then verify your identity, fund your account, and buy XRP from $2.
No, because XRP is a digital asset, not company stock. Owning XRP doesn't give you a share in Ripple or any other company. On Binance.US you buy XRP itself, which you hold in your account or send to a wallet you control. US-listed exchange-traded products that hold XRP began trading in 2025 and are bought through a brokerage account.
Check the Price. Make the Trade.
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References and Sources
- [1]FinCEN MSB Registrant Search: BAM Trading Services Inc. | fincen.gov/msb-registrant-search
- [2]NMLS Consumer Access: BAM Trading Services Inc., NMLS ID 1906829. | nmlsconsumeraccess.org
- [3]Binance.US successfully completes SOC 2 Type II audit. Binance.US Blog, January 29, 2026. | blog.binance.us/soc2-type-ii
This material has been prepared for general informational purposes only and should NOT be: (1) considered an individualized recommendation or endorsement of any digital asset or services discussed herein; and (2) relied upon for any investment activities. All information is provided on an as-is basis and is subject to change without notice. We make no representation or warranty of any kind, express or implied, regarding the accuracy, validity, reliability, availability or completeness of any such information. Binance.US does NOT provide investment, legal, or tax advice in any manner or form. The ownership of any investment decision(s) exclusively vests with you after analyzing all possible risk factors and by exercising your own independent discretion. Binance.US shall not be liable for any consequences thereof.
Risk warning: Buying, selling, and holding cryptocurrencies are activities that are subject to high market risk. The volatile and unpredictable nature of the price of cryptocurrencies may result in a significant loss. Binance.US is not responsible for any loss that you may incur from price fluctuations when you buy, sell, or hold cryptocurrencies.