Coinbase relisted XRP in January 2024 after Ripple's legal victory.
All US customers can now buy XRP directly.
5 Steps to Buy XRP on Coinbase
Create Your Coinbase Account
Go to coinbase.com and click "Get Started". Enter your email and create a password. Verify your email address by clicking the link Coinbase sends you.
Complete Identity Verification
Coinbase requires KYC (Know Your Customer) verification. Upload a government-issued ID (driver's license or passport) and take a selfie. Enter your SSN for tax reporting.
Add a Payment Method
Link your bank account (lowest fees), debit card (instant but higher fees), or PayPal. Bank transfers take 3-5 days but only cost 1.49%. Debit cards are instant but cost 3.99%.
Search for XRP
Use the search bar at the top and type "XRP". Click on XRP (not other tokens). You'll see the current price, chart, and buy button.
Enter Amount and Buy
Click "Buy", enter the USD amount you want to spend, review the total including fees, and confirm your purchase. Your XRP will appear in your Coinbase wallet instantly.
Coinbase Fees for XRP
| Payment Method | Fee | Speed |
|---|---|---|
| Bank Transfer (ACH) | 1.49% | 3-5 days |
| Debit Card | 3.99% | Instant |
| PayPal | 3.99% | Instant |
| Wire Transfer | $10 + 1.49% | 1-3 days |
| Coinbase Advanced (Limit Order) | 0.4-0.6% | Varies |
Use Coinbase Advanced Trade (formerly Coinbase Pro) instead of regular Coinbase. It's free to use and fees drop to 0.4-0.6%. Same account, just switch to the Advanced Trade interface.
Why Buy XRP on Coinbase?
- ✓ Trusted & Regulated — Public company (NASDAQ: COIN), licensed in all 50 states
- ✓ Insured — USD balances insured up to $250K (FDIC)
- ✓ Easy to Use — Beginner-friendly interface
- ✓ Instant Purchases — Buy with debit card or PayPal instantly
- ✓ XRP Staking — Earn rewards on your XRP (coming soon)
Frequently Asked Questions
Yes, XRP is available on Coinbase since January 2024. Coinbase relisted XRP after Ripple's court victory against the SEC. US customers in all 50 states can buy XRP on Coinbase.
Coinbase charges approximately 1.49% for bank transfers and 3.99% for debit/credit cards. Using Coinbase Advanced Trade reduces fees to 0.4-0.6%. The spread adds another ~0.5%.
Yes, Coinbase is a publicly traded company (NASDAQ: COIN), licensed in all US states, and insured against theft. It's one of the safest exchanges for US customers.
If already verified, buying takes under 1 minute. New accounts need verification first (1-24 hours). Bank transfers take 3-5 days to clear; debit cards are instant.
The minimum purchase on Coinbase is $1 USD worth of XRP. There's no maximum, though large purchases may require additional verification.