Jasmine Birtles
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How to Buy XRP in 2025 (A Complete Beginner’s Guide)
Ruby Layram
17th Oct 2025
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
So you’re considering buying XRP? It’s one of the better-known cryptos with utility. In the UK, you can buy XRP from a number of reputable crypto exchanges and brokers including, Bitpanda- which has over 67 million users , the largest cryptoasset offerings in the UK with over 600 coins and allows you to start with just £1 after a minimum deposit of £10.
In this guide, I will explain how to buy XRP from Bitpanda even if you are a complete beginner.
What Is XRP?
Before we get into how to buy XRP, it’s useful to understand what it is.
XRP is the native digital asset used on the XRP Ledger (XRPL), a blockchain built by Ripple Labs.
Its main purposes are fast, cheap cross-border transfers and acting as a bridge currency when converting between different currencies. Because transactions are fast and fees are low, XRP is often considered by those who want efficiency in value movement rather than just store-of-value or speculation.
How to Buy Ripple (XRP) from Bitpanda
For the purpose of this guide, we will be explaining how to buy XRP through the Bitpanda broker. Bitpanda is one of the most popular brokers available to UK investors with low fees and accessible minimums.
Step 1: Create your account
Visit Bitpanda and sign up with your email. You’ll be asked for identity verification (KYC), which is standard.
Step 2: Verify your identity
Upload required documents (passport/ID, proof of address) so you can deposit fiat (regular money) and buy crypto.
Step 3: Fund your account
Connect a payment method to your account and deposit funds. Bitpanda accepts debit cards, instant bank transfer, Apple Pay and PayPal.
Step 4: Set up and buy your order
Find XRP on Bitpanda by searching for ‘XRP’. Then, fill out the order details and make sure that you have enough funds in your account to fulfill your purchase.
Double check the details of your order before hitting ‘buy’. Your XRP will be automatically added to your Bitpanda portfolio.
Step 5: Secure your XRP
In terms of storing your XRP, you have two options. Either keep your crypto in your Bitpanda account for easy access. Or, send your XRP to a cold wallet for offline storage.
In general, the second option may be best for investors who are planning on holding their XRP for more than 1 year. If you plan on accessing your crypto in the next few months, it may make more sense keeping it in your Bitpanda portfolio for easy access.
If you decide to move your coins off of the broker, spend some time finding a cold wallet that suits your individual needs.
Your money is at risk.
Is XRP a Good Investment?
If you’re reading this guide, you’ve probably already decided that there is a place for XRP in your portfolio. However, it is important to weigh up the pros and cons of the cryptoasset in order to make an informed decision.
Why some investors are buying XRP
- Legal clarity at last: Ripple’s long-running battle with the SEC has ended in a settlement, which means XRP is no longer weighed down by uncertainty around whether it counts as a security. That’s a big green light for many investors.
- Fast and cheap transactions: Unlike Bitcoin, which can be slow and costly to send, XRP transactions typically settle in seconds with tiny fees. That makes it attractive for payment use cases.
- Institutional partnerships: Ripple has been building bridges with major financial players like DBS Bank and Franklin Templeton, who are testing tokenised products on the XRP Ledger. This kind of adoption gives XRP more credibility than a meme coin.
- Speculative upside: Some analysts are even forecasting sharp rallies (with predictions of up to 60% gains in the near term). While forecasts should always be taken with caution, XRP is often seen as one of the blue chip altcoins with room to grow if the wider crypto market recovers
Why some investors are cautious
- High volatility: Like all cryptocurrencies, XRP can move up or down by double digits in a single day. If you’re not comfortable with that, it may not be the right fit.
- Dependence on Ripple’s success: Much of XRP’s adoption story is tied to Ripple’s partnerships and strategy. If those stumble, the token could suffer.
- Competition: XRP isn’t the only blockchain focused on payments. Other networks (like Stellar or Litecoin) compete for similar use cases.
- Regulatory risk: Even with one lawsuit behind it, regulators globally are still figuring out how to treat crypto. New rules could impact XRP’s liquidity or exchange access in the future.
XRP can be a smart addition to a diversified crypto portfolio. But it’s not risk-free. For most investors, it makes sense to size your position sensibly. Enough to benefit from potential upside, but not so much that a sharp correction would cause you sleepless nights!
What to Do Before You Buy
- Check live news & price trends for XRP. Big regulatory or institutional moves can move prices quickly.
- Compare fees (Bitpanda vs others) since fees eat into returns.
- Decide your storage strategy: leave in platform wallet, or move to private wallet.
- Only invest money you can afford to lose. Crypto can generate big returns, but also big losses!
Frequently Asked Questions About Buying XRP
How much money do I need to buy XRP?
Not a lot. On Bitpanda you can typically buy fractional amounts, meaning you don’t need to buy one whole XRP. The minimum investment on Bitpanda is £1 (although this may change). Even £10-£20 is often enough to get started.
How much XRP can I get with $100?
The amount depends on XRP’s current price. If XRP is trading at around US$2.80 (for example), then with $100 you could get about ≈ 35.7 XRP (minus fees). Fees vary by platform and payment method, so the actual amount you receive might be a bit less.
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*This is not financial or investment advice. Remember to do your own research and speak to a professional advisor before parting with any money.
Disclaimer: Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment, and you should not expect to be protected if something goes wrong.
“Cryptocurrency is not regulated by the UK Financial Conduct Authority and is not subject to protection under the UK Financial Services Compensation Scheme or within the scope of jurisdiction of the UK Financial Ombudsman Service. Investing in cryptocurrency comes with risk and cryptocurrency may gain in value, or lose some or all value. Capital gains tax may be applicable to profits from cryptocurrency sales.”
I would not mind losing all of a 30 pound investment but don’t know whether it’s worth the hassle