How to Buy XRP on Kraken Step-by-Step (2026)
Kraken is one of the oldest and most security-focused cryptocurrency exchanges, operating since 2011 with a spotless security record. Here's how to buy XRP on Kraken with the lowest possible fees.
Kraken is a top choice for security-conscious XRP buyers. Use Kraken Pro for fees as low as 0.16% maker / 0.26% taker — far cheaper than the 1.5% Instant Buy fee. Fund your account via bank transfer (free), then place a limit order on the XRP/USD pair. Kraken has never been hacked since launching in 2011. After purchase, consider self-custody storage for extra security.
| Key Facts | |
|---|---|
| Exchange | Kraken |
| Founded | 2011 (San Francisco) |
| Pro Maker Fee | 0.16% |
| Pro Taker Fee | 0.26% |
| Instant Buy Fee | 1.5% |
| Deposit (ACH) | Free |
| XRP Withdrawal | 0.02 XRP |
| Security Record | Never hacked |
Why Choose Kraken for XRP?
Kraken stands out among XRP exchanges for its unmatched security track record, competitive fees, and full proof-of-reserves audits. If security is your top priority, Kraken is hard to beat.
15+ years operating, never been hacked. Full proof-of-reserves audits.
0.16% maker / 0.26% taker — among the lowest in the industry.
Top-5 exchange by XRP volume with tight bid-ask spreads.
Licensed money services business, SOC 2 certified.
Cryptographic proof that all customer assets are fully backed.
Live chat and phone support available around the clock.
Step 1: Create Your Kraken Account
Visit Kraken.com
Go to kraken.com and click 'Create Account.' Enter your email, username, and password.
Verify your email
Click the activation link sent to your email inbox.
Complete Starter verification
Provide your name, date of birth, country, and phone number. This level allows crypto deposits and trading.
Upgrade to Intermediate (recommended)
Upload government ID and proof of address for fiat deposits/withdrawals and higher limits.
Create your Kraken account → One of the most trusted exchanges in crypto, with 15+ years and zero security breaches.
Step 2: Deposit Funds
| Method | Fee | Speed | Min Deposit |
|---|---|---|---|
| ACH (US) | Free | 1-3 business days | $1 |
| Wire Transfer (US) | $5 | 0-5 business days | $1 |
| SEPA (EU) | Free | 1-3 business days | €1 |
| Faster Payments (UK) | Free | Minutes | £1 |
| Debit/Credit Card | 3.75% | Instant | $10 |
| Crypto Deposit | Free | Varies | Varies |
ACH is the best option for US users — it's free but takes 1-3 days. If you need instant access, a debit card works but the 3.75% fee is steep. Already own crypto? Deposit BTC or ETH and convert to XRP — check our XRP trading pairs guide.
Step 3: Buy XRP
Kraken offers two interfaces: Instant Buy (simple) and Kraken Pro (advanced). For the best fees, always use Kraken Pro.
| Feature | Instant Buy | Kraken Pro |
|---|---|---|
| Difficulty | Beginner-friendly | Intermediate |
| Fee | 1.5% | 0.16-0.26% |
| Order Types | Market only | Market, Limit, Stop |
| Price Control | None | Set your own price |
| Savings on $500 | ~$0 | Save ~$6.20 |
| Savings on $5,000 | ~$0 | Save ~$62 |
Buy XRP on Kraken now → Use Kraken Pro for the lowest fees in the industry.
Using Kraken Pro for Lower Fees
Kraken Pro is accessible from the same account — just click "Kraken Pro" or "Trade" in the navigation. Here's how to place a limit order:
Select XRP/USD pair
Search for XRP or navigate to the XRP/USD market. You can also use XRP/EUR, XRP/BTC, or XRP/GBP.
Choose 'Limit' order type
A limit order lets you set the exact price you want to pay. It only executes when the market reaches your price.
Set your price
Enter the price per XRP you're willing to pay. Check the order book for current market depth.
Enter amount
Specify how much XRP to buy (in XRP or USD). Review the total cost including the 0.16% maker fee.
Submit order
Click 'Buy XRP.' Your order sits in the order book until filled. You can cancel anytime if unfilled.
For more on trading strategies, see our guides on reading XRP charts and dollar-cost averaging.
Withdrawing XRP from Kraken
Kraken charges just 0.02 XRP (less than $0.01) for withdrawals — one of the cheapest in the industry. Consider moving XRP to a personal wallet for long-term storage.
Go to Funding → Withdraw → XRP
Navigate to the withdrawal page and select XRP.
Add your wallet address
Enter your XRP Ledger address. Kraken requires you to add and confirm new addresses before withdrawing.
Include destination tag if needed
Exchange-hosted wallets require destination tags. Self-custody wallets like Ledger or Xaman usually don't.
Confirm via email and 2FA
Kraken sends a confirmation email. Approve it, then confirm with your 2FA device.
Frequently Asked Questions
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Buy XRP on Kraken Today
Join one of the most secure exchanges in crypto. Zero hacks in 15+ years of operation.
Last updated: February 15, 2026. This is not financial advice. Always do your own research.
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