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Simple ways to Buy Ripple with Debit Card

By Chris Morris - Updated 21 August 2023
Ripple Logo Ripple (XRP)
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In a year that brought us the Coronavirus and a global economic downturn, the cryptocurrency market outperformed more traditional safe-haven assets. Offering great advantages in speed and cost over traditional remittance, Ripple’s settlement network has already signed on a host of the world’s largest banks, digital asset exchanges and corporations to its network.

Fortunately, it is not difficult to invest in Ripple XRP, with a debit card being one of the fastest and most convenient ways to secure XRP or merely trade it through an OTC desk.

Buy Ripple with Debit Card on eToro

eToro is one of the first cryptocurrency providers that allow you to buy using many payment methods as well as other services. The actual process is very simple as well and one of the reasons we do recommend eToro for both beginners and experts.


Step 1: Registration

To get started, you'll need to register with eToro. It is free to sign up and you don't need to deposit right away, which means you can get used to the platform before going live.


Step 2: Deposit

Once you're happy with the platform and ready to buy for real, it is time to deposit some money into your account. Click the deposit button in the bottom left, then choose Debit Card. Enter the amount you want to deposit, we'd recommend starting low before adding extra over time.


Step 3: Start Trading

Now your account is live and ready to go, the process is like any other CFD provider, you will need to search for the coin you want to buy, be it bitcoin, ethereum or whatever your preferred choice is. Hit the 'Buy' button and then 'Trade', make sure you understand your risk parameters before you jump in.

Where to buy Ripple with Debit Card?

Cryptocurrency is a burgeoning asset class with a growing regulatory environment with more onramps added daily. Numerous brokers and exchanges worldwide now offer both credit and debit cards as a payment method. Not all do, however.

If you can’t find a local exchange or broker, there are well known international exchanges and wallet providers that may enable you to buy Ripple with a debit card.

You may also consider choosing an alternative payment method like PayPal, Neteller or Skrill. These are typically more convenient than bank transfers and cost less than both credit and debit cards.



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Advantages and Disadvantages of Buying Ripple with Debit Card


  • The most convenient method around
  • Rapid with almost instant processing
  • Simple to use
  • No need to go through third-party payment networks
  • Purchases can accrue reward points
  • Debit Cards are secured with encryption


  • Higher fees than some other methods
  • Purchase limits
  • Not anonymous
  • Not offered everywhere

Buying Ripple with Debit Card Fees

There is no denying it. Debit card purchases are one of the fastest and most convenient methods for purchasing cryptocurrencies like XRP.

For this reason, it is also one of the most expensive methods. If you plan on buying and selling with regularity and withdrawing to your bank account, you might want to consider a more affordable payment method as debit card fees can add up with repeated transactions.

No matter the platform, you will encounter some type of fee. These include exchange and brokerage platform fees, blockchain network fees and the charges by your bank for debit card transactions.

Brokers and exchanges typically charge a processing fee of 4% when it comes to credit and debit cards. Some smaller merchants also charge convenience fees, so best to go with a recommended platform.

If you find the fees for buying Ripple with a debit card too steep, you may want to consider a bank transfer. Many platforms also accept payment providers like PayPal and Skrill, which offer a level of convenience with fewer fees.

Is Buying Ripple with Debit Card the Best Method?

The best method for one person will be different for another. Best to clearly outline your priorities in terms of cost, speed and ease of use to determine the payment method that is right for you.

If you are looking to buy Ripple XRP as a long term investment and don’t mind paying a bit extra for convenience, a credit or debit card is a simple option. If you want to maximize your investment and pay the least fees, then a bank transfer is the cheapest, if available.

PayPal and similar payment providers are a decent middle of the road option; with some convenience and a familiar process, with fewer fees than debit cards.

Frequently Asked Questions

What do I need to know before investing in XRP?
When considering whether or not to invest in XRP, you’ll need to look in-depth into the fundamentals of the project, current partnerships and its vision for the future. You will also need to consider market timing for an opportune moment to buy. Once you have secured your XRP, you’ll need to store it in a Ripple Wallet.
How is Ripple different from XRP?
Ripple is the company and network of partnered financial institutions building new rails of global remittance on the high-tech RippleNet blockchain. XRP, on the other hand, is the token or digital currency used to transfer value across the network with industry-leading speed and with very low fees.
Who are Ripple’s partners?
Ripple has partnered with over 30 leading global financial institutions and exchanges: the project is full steam ahead on its vision of becoming the ‘Amazon of global payments’. Some of the company’s partners include financial giants such as Moneygram, Bank of America, Bank of Canada and Standard Chartered.
Is Ripple XRP a competitor to Bitcoin?
No. Once considered to be the future of global payments, Bitcoin is now viewed more as a form of digital gold. Transfers in Bitcoin are well known to be slow and expensive, while transfers in XRP are near-instant and cost a fraction of a cent, making XRP far better suited to a global payments network. People who buy Bitcoin don’t typically plan on spending it.
How fast is Ripple XRP compared with other cryptocurrencies?
Ripple XRP is one of the fastest cryptocurrencies on the market. With transactions taking about 3.3 seconds, XRP is faster than other cryptocurrencies designed for payments like Dash, Bitcoin Cash and Litecoin.
Will XRP be used as a consumer cryptocurrency?
Yes, while Ripple plans for XRP to be used by banks to shift trillions in value globally, XRP is also a cryptocurrency in its own right and available as a payment option at the point of sale.
What is the difference between a broker and a cryptocurrency exchange?
Brokers or OTC desks are where you can trade cryptocurrency CFDs (contracts for difference). These are trading instruments that enable flexible, low-cost trading on cryptocurrency valuations, without needing to own the underlying asset. This is useful for active traders who only want to speculate upon the price without actually owning the coins.
Is it legal to buy Ripple XRP?
Yes. It is completely legal to purchase XRP in most jurisdictions worldwide. Cryptocurrency is receiving increasing regulatory clarity with every passing year. XRP is one of the leading cryptocurrencies and has greater liquidity than most being available to buy on numerous platforms worldwide.
Is buying Ripple (XRP) with a Debit Card risky?
Not if you choose a recommended broker or exchange. Debit cards often have buyer protection and are encrypted to ensure your data is kept safe. The only risk is being charged high fees, so it’s best to confirm these before transacting.
What is the overall market sentiment for cryptocurrencies at present?
Following a brutal bear market in 2018 and 2019, cryptocurrencies recently entered the new bull market, with several coins outperforming both stock markets and safe-haven assets.This rapid-fire growth in price has followed an incredible amount of building and innovation that has many excited for the future of the industry. Ripple continues to add new partners to its RippleNET platform and looks like it will hold its blue-chip position in the market for some time.