Have you ever needed to send someone money quickly and easily? Use XRP to send your funds within seconds. In this article, I’ll show you how to convert your money to XRP.

So, how do you convert FIAT to XRP? By using the Uphold app or website. I found it to be the most user-friendly app to buy XRP with a bank account, debit card or credit card.

Easily convert FIAT to #cryptocurrency and back using #Uphold Click To Tweet

Note: Currently, Uphold doesn’t allow credit card funding for the following countries.

  • Afghanistan
  • Albania
  • Algeria
  • Angola
  • Anguilla
  • Armenia
  • Antigua and Barbuda
  • Azerbaijan
  • Bahamas, The
  • Barbados
  • Belarus
  • Bosnia-Herzegovina
  • British Virgin Islands
  • Bulgaria
  • Burundi
  • Cambodia
  • Cayman Islands
  • Congo
  • Congo Brazzaville
  • Côte d’Ivoire
  • Croatia
  • Cuba
  • Dominica
  • Dominican Republic
  • Ecuador
  • Egypt
  • Eritrea
  • Ethiopia
  • Georgia
  • Grenada
  • Guatemala
  • Guadeloupe
  • Haiti
  • Indonesia
  • Iran
  • Iraq
  • Israel
  • Jamaica
  • Kazakhstan
  • Kirghizistan
  • Laos
  • Lebanon
  • Liberia
  • Libya
  • Macedonia
  • Malaysia
  • Martinique
  • Moldova
  • Mongolia
  • Montserrat
  • Myanmar (Burma)
  • Netherlands Antilles
  • Nigeria
  • North Korea
  • Pakistan
  • Puerto Rico
  • Philippines
  • Republic of Central Africa
  • Romania
  • Russian Federation
  • Rwanda
  • Saint Barthelemy
  • Saint Kitts & Nevis
  • Saint Lucia
  • Saint Martin
  • Saint Vincent
  • Serbia
  • Sierra Leone
  • Somalia
  • South Sudan
  • Sudan
  • Surinam
  • Syrian Arab Republic
  • Tajikistan
  • Turkmenistan
  • Turks & Caicos Islands
  • Trinidad & Tobago
  • Ukraine
  • US Virgin Islands
  • Uzbekistan
  • Yemen
  • Yugoslavia
  • Zaire
  • Zimbabwe

Uphold Fees

Normally, bank transfers on Uphold are free. However, the only problem with that is it takes 5-7 days to settle. So, unless you can wait 5-7 days, you should use the debit or credit card method. Using this method, you can fund your Uphold account in only a few minutes.

How much does Uphold charge for using a debit or credit card?

Uphold charges a 3.99% fee for using a debit or credit card to fund your account.

Here are the steps for sending XRP to anyone using the Uphold app. By following these steps, you will be able to send XRP to anyone via email address, QR code, or Uphold username.

  1. Convert FIAT to XRP using the Uphold app
  2. Sign Up for Uphold
  3. Get verified on Uphold
  4. Funding Your Uphold Account
  5. Send XRP using Uphold

Convert FIAT to XRP Using Uphold

Before you’re able to use Uphold to send XRP to someone, you need to make an Uphold account. Visit the Uphold website and sign up for a free account. Also, download the Uphold app if you need access to your funds on the go.

Here’s a video guide for creating your Uphold account and getting verified. After, I’ll also give you a written guide on signing up and getting verified on Uphold.

Sign Up for an Uphold Account

In case you don’t have an Uphold account yet, I’ll show you how to create an account on the Uphold website or Uphold app.

Sign up for #Uphold and start sending #crypto quickly and easily Click To Tweet

Uphold Sign Up Using the Website

Uphold exchange home page.
  1. Visit the Uphold website and click the “SIGN UP” button in the top right corner. 
  2. On the signup form, enter your email, password, choose to enroll as individual or business.
  3. Then, select your country of residence.
  4. Finally, click the “NEXT” button to complete your basic information set up.
  5. Next, fill out your personal information with your name, desired username, select your state or province, and your birth date.
  6. Then, you’ll be sent an email to confirm your account. After clicking the confirmation link in the email, you’ll be redirected to the Uphold account login page.
  7. There, you’ll enter your username and password to login to your account.
  8. Once logged in, you’ll be prompted to set up 2FA (or Two-Factor authentication). Download the Authy app for IOS or Android before continuing.
  9. Enter your phone number and click the “CONTINUE” button.
  10. Now, open the Authy app on your phone and get your 7-digit verification code. Once you find it your code, enter it in the Uphold website account sign up and click “VERIFY”.

Uphold Sign Up Using the App

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

Next, add a virtual USD, EUR, GBP, or other FIAT card to your Uphold account.

How to add a virtual card using the app

  • Open the Uphold app.
  • Next, click “My Cards” on the bottom toolbar.
  • Now, click the “+” button in the upper right-hand corner of the screen.
  • Enter the name of your card. Ex: “USD Card”.
  • Choose the card currency – US Dollar, Euro, Pound Sterling, Yen, etc.
  • Click “Create card”.
Uphold exchange create a virtual XRP card.

How you add a virtual card using the Uphold website

  • Visit uphold.com and log in to your account.
  • Click “CARDS” in the header navigation menu.
  • Then, click “Add card/currency” in the upper right-hand corner of your card list.
  • Enter the name of your card. Ex: “USD Card”.
  • Choose the card currency – US Dollar, Euro, Pound Sterling, Yen, etc.
  • Finally, click the “CREATE” button.

Using the same steps as above, create a virtual XRP card on Uphold. So, instead of selecting your FIAT from the currency list, select “XRP”. Name it something like “XRP Card”.

Get Verified on Uphold

Now, before you can link your bank account or use a debit or credit card, you must verify your identity with Uphold. For this next step, you’ll need one of these documents.

  • Passport
  • National ID Card
  • Driver’s License
How to easily get verified on #Uphold to trade #crypto Click To Tweet

Additionally, you’ll need a clear photo of your face. Luckily, Uphold isn’t too strict on this. So, feel free to use your phone to snap a photo of these documents.

Uphold Verification Process

Here are the steps to getting verified on Uphold.

  1. Go to uphold.com/dashboard/membership and click “start”.
  2. Enter your current residential address.
  3. Then, upload a photo of one of your government issued ID documents.
  4. Next, upload a clear photo of your face.
  5. Enter your social security number (U.S. residents only).
  6. Wait for verification to complete. Verification is typically completed within minutes.

Funding Your Uphold Account

Uphold allows funding via U.S. or SEPA bank account, credit or debit card, cryptocurrency or utility token. Here are the steps to funding your account using each deposit method.

How to fund your #Uphold account with a bank account, debit/credit card or #cryptocurrency Click To Tweet

Uphold U.S. and SEPA Bank Account Deposits

Once your account is verified, you’ll be eligible to fund your account with a U.S. or SEPA bank account. Now, I’ll show you how to fund with a bank account using the Uphold website and Uphold app.

Bank Account Setup With the Uphold Website

U.S. Bank Account Setup
  1. Select your virtual XRP card from your Uphold Dashboard.
  2. Click “ADD FUNDS” in the header navigation menu.
  3. Select the “Fund from U.S. Bank Account” option.
  4. Click “Add bank account” in the upper right-hand corner.
  5. Now, select your country from the country drop-down list.
  6. Then, enter your bank routing and bank account numbers.
  7. Select your currency and give your account a name.
  8. Then, enter your billing address information.
  9. Next, check the “ I accept the U.S. Bank Transfer Service terms and conditions.” box.
  10. Finally, click the “CREATE” button to complete your bank account set up.
SEPA Bank Account Setup
  1. Select your virtual XRP card from your Uphold Dashboard.
  2. Click “ADD FUNDS” in the header navigation menu.
  3. Select the “Fund with Bank Account (SEPA)” option.
  4. Now, select one of Uphold’s bank accounts to send funds to.
  5. Follow the directions to send funds to your virtual XRP card using your bank account.

Bank Account Setup With the Uphold App

U.S. Bank Account Setup
  1. From your Uphold Dashboard, select your virtual XRP card.
  2. Now, click the “Add Funds” tab in the bottom menu.
  3. Select “Fund From U.S. Bank Account” or “Fund With Bank Account (SEPA)”
  4. Click the “+” button in the upper right-hand corner.
  5. Now, enter your bank routing and bank account numbers.
  6. Then, select your currency and give your account a name.
  7. Next, enter your billing address information.
  8. Click the “ I accept the U.S. Bank Transfer Service terms and conditions.” toggle.
  9. Finally, click the “CREATE” button to complete your bank account set up.
SEPA Bank Account Setup
  1. From your Uphold Dashboard, select your virtual XRP card.
  2. Now, click the “Add Funds” tab in the bottom menu.
  3. Select the “Fund With Bank Account (SEPA)” option.
  4. Now, select one of Uphold’s bank accounts to send funds to.
  5. Follow the directions to send funds to your virtual XRP card using your bank account.

Uphold Debit Card and Credit Card Deposits

When using the app, in order to fund your “XRP card” with a debit or credit card, you must first add funds to a virtual FIAT card. Then, once those funds are deposited, you can send those funds to your “XRP card”.

Keep in mind, if you’re using the Uphold website, you are able to fund your XRP card directly with a debit or credit card. However, the Uphold app restricts funding your virtual XRP card with a debit or credit card.

Deposit to #Uphold directly with a bank account Click To Tweet

Uphold Cryptocurrency and Utility Token Deposits

Additionally, Uphold allows cryptocurrency and utility token deposit. Fund your virtual card by transferring one of the following cryptocurrencies or utility tokens.

  • Bitcoin (BTC)
  • Dash (DASH)
  • Ethereum (ETH)
  • Litecoin (LTC)
  • Bitcoin Cash (BCH)
  • Bitcoin Gold (BTG)
  • XRP Ledger (XRP)
  • Basic Attention Token (BAT)
  • CRED (LBA)

Send XRP Using Uphold

By using the Uphold app or website, you are able to send XRP to any email address, Uphold QR code or Uphold username. Additionally, you can send your funds to your bank account, another virtual card, or another cryptocurrency or utility token.

For the purpose of this guide, I’ll be going over how to send XRP to an email address, Uphold QR code or Uphold username.

Send XRP Using the Uphold Website

To begin sending money using the Uphold website, from the Uphold Dashboard, select your virtual XRP card. Then, select the “Send to Member or Email” option.

Now, enter a username, email address or phone number of the person you wish to send XRP. Note: To send XRP by phone number or username, the user must be registered as a user of the Uphold app.

Send XRP Using the Uphold App

Start by opening the Uphold app and selecting your virtual XRP card from your Dashboard. Next, click “Send To Member or Email”. Then, to the right of the Destination field, click the three horizontal dot icon.

Now select the option to send money to QR code or Address Book. Finally, send your Ripple XRP by entering an amount, selecting XRP from the currency list and an optional message. Click the “NEXT” button to continue.

After that, you’ll receive an Authy verification code to enter. Enter your verification code and click the “SEND” button to finish.

Conclusion

Have you ever wanted an easy way to send cryptocurrency to anyone quickly? By using the Uphold website and Uphold app, you can do just that. Use Uphold to send XRP to any email address or Uphold member.

This article gave you a full guide on getting an Uphold account, getting verified, depositing money into your Uphold account and sending XRP.

Using #Uphold to send #XRP to anyone Click To Tweet

Have you ever used Uphold or another cryptocurrency app to send a payment to someone? If so, which app did you use and what was your experience like?

Want to learn how to buy Ripple XRP with a credit card or how to trade Bitcoin for XRP? Visit my Resources page for more full-length how-to cryptocurrency guides.