Use this simple method to buy Ripple XRP quickly and easily from your phone. After, I’ll help you find a secure hardware wallet and safely store your Ripple XRP.

Nowadays cryptocurrency is easier than ever to buy. However, you may find yourself stuck in your search to buy Ripple XRP in particular.

How to buy #XRP in 30 minutes or less from your phone Click To Tweet

Best Way to Buy Ripple XRP Quickly and Easily

The more well-known cryptocurrency apps like Coinbase and now Robinhood allow the purchase of Bitcoin and Ethereum, but not Ripple XRP. However, right now Coinbase is offering free crypto for a limited time.

So which app or website should you use to buy Ripple XRP? If you’re buying XRP with a bank account or crypto, use Uphold. Otherwise, if you need to use a credit card see my guide on how to buy XRP using a credit card.

Uphold – An app for IOS and Android gives you the ability to buy XRP easily. Inside the app, create a new XRP card in the “My Cards” section and link your bank account to fund the card.

While other cryptocurrency exchanges require extensive identity checks and long wait times, Uphold allows quick account setups, quick verification, and purchases.

Unfortunately, the following countries are prohibited from using services offered by Uphold due to U.S laws.

  • Central African Republic
  • Cuba
  • Iran
  • Libya
  • North Korea
  • Somalia
  • Sudan
  • Syria

Complete Uphold’s Identity Verification

  1. Go to and click “start”.
  2. Input your current residential address
  3. Upload one of the following valid government-issued IDs:
    • Driver’s License
    • National ID Card
    • Passport
  4. Submit a clear photo of your face
  5. Provide your Social Security Number (U.S. residents only)

Verification is normally quick (within minutes). Once completed, you will be able to buy XRP using a bank account.

How to Buy Ripple Currency XRP Using “Uphold”

How exactly do you buy XRP on Uphold? Below are the steps on how to buy XRP using the Uphold IOS App or Android App

  • Login or create your account
  • Inside the “My Cards” section of the app, click the + symbol in the upper right-hand corner
  • Give your XRP card a name and from the “Card currency” drop-down, select “XRP” near the bottom
  • Finish by hitting “Create card”
  • In the “My Cards” section, select your XRP card and hit the “Add Funds” button at the bottom center of your screen
  • Select the option to fund your XRP card
  • If using a U.S bank account, press the + symbol in the upper right-hand corner to add your bank account information
  • Using the Uphold Website
  • Login or create your account
  • Once logged in, click the “Add card/currency” button
  • Give your XRP card a name and from the “Currency” drop-down, select “XRP” near the bottom
  • Add funds by clicking the “Add Funds” button near the top right corner your XRP card dashboard
  • Select the option to fund your XRP card
  • If using a U.S bank account, press the + symbol in the upper right-hand corner to add your bank account information.

Here’s a visual guide to the steps above

Uphold Fees

Uphold is free to set up your account and hold funds. Funding your account via bank account, bitcoin, XRP or another Uphold account is free.

However, there is a 3.99% fee when using a Debit/Credit Card or China Union Pay to fund your account.

As for withdrawing funds, you will incur a flat $2.99 fee to move funds off of Uphold. This includes moving your XRP onto another wallet or exchange.

You will incur a flat $3.99 fee for withdrawing funds to a bank account.

Bitstamp Ripple XRP Buying Guide

Currently, Bitstamp doesn’t offer to buy Ripple XRP with USD. However, Bitstamp will allow for commission free Bitcoin deposits.

Furthermore, Bitstamp will allow Visa and MasterCard debit and credit card purchases of bitcoin. Then you can trade bitcoin for XRP. Below is a list of countries that support purchases via card.

  • Switzerland
  • Norway
  • Monaco
  • Montenegro
  • Serbia
  • Turkey
  • Andorra
  • Moldova
  • Gibraltar
  • Iceland
  • Greenland
  • Liechtenstein
  • Isle of Man
  • Faroe Islands
  • Åland Islands
  • San Marino
  • Hong Kong
  • China
  • Singapore
  • Taiwan
  • South Korea
  • Australia
  • New Zealand
  • Japan
  • Argentina
  • Brazil
  • Israel
  • South Africa
  • Chile
  • Kuwait
  • Cayman Islands
  • Qatar
  • Saudi Arabia
  • India
  • Lebanon
  • Puerto Rico
  • Peru
  • Madagascar
  • Mozambique
  • Dominican Republic
  • Curaçao
  • Dominica
  • Jordan
  • the Bahamas
  • Bahrain
  • French Polynesia
  • Ecuador
  • Trinidad and Tobago
  • Barbados
  • Réunion
  • Jamaica
  • Paraguay
  • Brunei
  • New Caledonia
  • Guadeloupe
  • Martinique and Sint Maarten

If you’re in EU 28 or a country listed above, you can buy XRP with a credit card using this method. Read more about Debit/Credit Card purchases on Bitstamp.

Do you need a Bitstamp account? Learn how to register and get verified quickly so that you can get started.

Bitstamp Ripple XRP buying guide:

  1. Open a free account at
  2. Deposit funds to your Bitstamp account using Bitcoin or by using SEPA if you live within the allowed countries.
  3. Choose your preferred Ripple XRP trading pair and how much you wish to spend, then place an order.
  4. Confirm order and click “buy XRP”.

Bitstamp Fees

Bitstamp is a bit different from other exchanges. Instead of straight percentage or dollar fees, they have a fee schedule.

As their fee schedule is a bit lengthy, visit Bitstamp’s Fee Schedule to learn more.

How to Safely Store Your Ripple XRP

Due to the overwhelming amounts of crypto exchange hacks, it’s always best to store your cryptocurrency on a “cold storage” wallet.

What is a cold storage wallet?

A cold storage wallet or hardware wallet is a piece of hardware that is completely disconnected from the internet. It looks like a flash drive.

This piece of hardware makes it impossible for hackers to steal your crypto.

How Hardware Wallets Work

Hardware wallets work by storing your private keys in hardware. Private keys are completely unique strings of text that cannot be guessed.

In hardware wallets, these private keys are normally stored in a protected area of a microcontroller, and cannot be transferred out of the device in plaintext.

There are several hardware wallet options for storing your crypto. One of the most popular for XRP being the Nano Ledger S.

Buy a Ledger Nano S Hardware Wallet and Secure Your Cryptocurrency

Ledger Nano S - The secure hardware wallet

Within the Uphold app/ website, you will be able to send your XRP to your Ledger Nano S. Here’s a guide on how to easily setup your Ledger Nano S.

  1. To send Ripple XRP, you must first obtain your Ledger Nano’s public address using the Ledger Live program.
  2. Once obtained, open the Uphold app or visit the website.
  3. Open your XRP card and select “SEND to Cryptocurrency or Utility Token”.
  4. Choose the XRP option from the list of cryptocurrencies to send to.
  5. Paste your generated public address from step 1 into the “destination” field. 
  6. Type “0” as the value for the “Destination Tag” field.
  7. Type the amount of XRP you want to send in the “Amount” field.
  8. Optionally add a message for the transfer and click “Confirm”.

Your XRP should transfer within seconds to your Ledger Nano S.

What if your hardware wallet gets stolen?

Without your Ledger Nano S recovery phrase, the hardware wallet becomes virtually useless.

What’s the recovery phrase?

A recovery phrase is a 256-bit random generated number.

This phrase is encoded as 24 words which you write down and store in a safe place. Such as a sheet of paper in a safe deposit box or safe.

If your Ledger Nano S ever gets stolen you will have to buy a new Ledger Nano S and recover your configuration using your recovery phrase.


You should now be able to buy Ripple XRP quickly and easily from your phone or computer.

This is by far the easiest method I have found at the moment, but I will update when more methods become available.