Ripple (XRP) Wallet – Best Wallets For Ripple

Ripple (XRP) is currently the second-highest cryptocurrency in the market by market cap.

In the past month, the price has gone up by +977% & people who have invested in XRP are making a great profit.

If you are planning to buy Ripple (XRP), you may have a couple of questions:

  • Where should you store XRP?
  • What wallet supports XRP?
  • How to buy XRP?

Read the new article: Best Websites to buy XRP (Ripple)

Here are the exchanges from which you can get Ripple :

  • Binance (They are offering limited registrations, so if you able to register then it’s your lucky day)
  • CEX: If you want to buy XRP directly using your credit/debit card, this is the best solution as of now.
  • Changelly: The fastest way for you to convert BTC or ETH or other cryptos to XRP. Something everyone is loving.

Update: I have updated the list of XRP wallets and removed a few wallets like Gatehub and one more as a lot of users have complained about losing their funds. At this moment (June 2020), below listed wallets are best we got to store XRP. I use the first one.

In this guide, I will help you understand everything you need to start holding XRP.

I have also shared some of the best XRP wallets in the market that are safe, secure, and trusted by other cryptocurrency enthusiasts like you.

Let’s start with where can you get XRP…

Where can you buy XRP?

There are many places from where you can get XRP.

The best way is to buy Bitcoin & exchange them for Ripple.

  • Changelly is a  popular website to exchange BTC (or other cryptocurrencies) for XRP. Personally, I’m a big fan of Changelly.
  • Another method is to use an exchange like Binance & buy XRP using Bitcoin or USD.

Once you have finalized the way you want to get XRP, the next thing to figure out is where to store them.

Here are exchanges from where you can get XRP:

XRP Wallets: Best Wallet For Ripple Cryptocurrency

Before I share about top wallets for XRP, you need to know one important thing:

Unlike Bitcoin wallets which are free, Ripple wallets require you to have 20XRP to book your wallet address.

So if you add 1000 XRP to your Ripple wallet, 20XRP will be used to book the wallet address. This is one reason you don’t want to use multiple wallets for XRP (unless required).

Pick the right wallet from day one so that you don’t end up losing 20XRP on various wallet addresses.

Do remember, there are various kinds of cryptocurrency wallets & you can Best Bitcoin Wallets.

Ledger Nano S

Ledger Nano S

Ledger Nano S is a hardware wallet that has recently added support for XRP.

Being a hardware wallet, it is one of the best ways to store your cryptocurrency as it offers great security, ease of use, and you can carry it with you anywhere.

I recommend Ledger Nano S as it supports many popular cryptocurrencies including:

Dash, BTC, ETH/ETC, Stratis, Zcash, and now it supports XRP.

You should order it from the official site here & it will take 4-7 days to have it delivered to your doorstep. Here is a video demo of Ledger Ripple wallet:

Toast Wallet

Toast Wallet is a free open-source XRP wallet which anyone can use.

The creators of this wallet say “simple enough for your grandma but safe enough for a Swiss banker”.

The good thing about this wallet is that it is a non-hosted wallet where you are always in control of your private keys.

As of now, Toast wallet is available on Android, iOS, Windows & Mac.

Atomic XRP Wallet

Atomic Wallet is a free non-custodial desktop application that supports XRP along with other 300+ cryptocurrencies.

It’s noteworthy that Atomic enables users to not only manage their XRP, but also exchange XRP via a built-in exchange engine powered by Changelly and buy XRP for a bank card.

These features are provided in a simple interface protected by a mnemonic seed. The seed is generated after the first launch of the application and requires you to store it safely.

You fully control your funds, and your private keys become encrypted on your device and never leave it.

Download Atomic Wallet

Guarda Wallet

Guarda is a popular non-hosted Ripple wallet that you can use. The wallet has been around for a while and you can download it for all major platform including Windows, Linux, and Mac.

It is a lightweight and secure wallet where you control the key. Getting started is easy and you are the complete owner of the wallet.

Download Guarda Wallet


Exarpy is another non-hosted Ripple wallet that is accessible from any web browser.

Using this wallet you can store/receive/send any amount of Ripple without any third-party involvement.

But this wallet is paid wallet and charges 0.025 XRP per transaction and this includes the Ripple network’s fee too. is not a typical XRP wallet but it’s a full-fledged exchange. They offer a mobile app that makes it easier for us to send/receive and also trade XRP coins from the mobile phone. They are one of the few high-quality exchanges that are currently accepting new registrations.


Binance is a fast-growing exchange that started in the mid of the 2017 year and is rapidly adopting many new cryptocurrencies for its users. If you want to get XRP right now, you can use Binance to get an XRP wallet.

However, you should not store your XRP for more than 1-2 days on an exchange (any exchange) as exchanges can shut down or go into issues at any time and put you at risk of losing your stored coins.

When I needed to get ahold of XRP urgently, I used Binance to convert my bitcoins into XRP & stored them in my Binance wallet.

Another good thing while buying and storing your XRP from Binance is that you can claim your 50% discount on the trading fee when you exchange BTC or ETH to XRP.

You can, later on, transfer these XRP to the Ledger Nano S (or any other hardware wallet that supports XRP).

With time, I expect more popular wallets to integrate XRP & make it easier for us to store Ripple.

However, for now, these are the top Ripple wallets that you can start using right away.

If you are someone who is investing in cryptocurrencies, I would recommend you to just order Ledger Nano S hardware wallet which ensures that you remain in total control of all of your coins.

Note: Binance & Gate both are exchanges that buy/sell XRP and have their inbuilt exchange wallet too. We don’t recommend you to hold your XRP in these inbuilt wallets for more than 1-2 days assuming you are lucky enough on those days. So use these exchanges as wallets for a long term at your own risk. Also, Toast Wallet and Exarpy wallets for Ripple are suggested by our community members and we have not used both of them yet but they look legit enough after a litmus test.

Have a question about storing XRP? Let me know in the comments section below. Also, what’s your prediction for Ripple in the coming days?

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284 thoughts on “Ripple (XRP) Wallet – Best Wallets For Ripple”

  1. Ali.F

    Hey Sir, I need to know If there is any wallet which can hold multiple currencies?
    like Bytecoin, Ripple, Dogecoin etc?

    1. Sudhir Khatwani

      NO wallet is there where you can put all currencies. Ripple and Doge can be stored in Ledger and LEdger might support Bytecoin in future.

  2. Joop

    I have a Nano Ledger S (configured already) for storing my bitcoins. It also has the opportunity to store Ether. If I want to store Ripple as well is that possible on the Nano that I already have or do I have to buy a new Nano for just the ripples?

    1. Harsh Agrawal

      Yes, you can do that on your existing Ledger. You don’t need to buy a new ledger wallet.

  3. rupam

    very nice information about Ripple wallet

    But sir, I think Changelly Doesn’t allow us to change XRP for BTC or vise-versa.

    1. Harsh Agrawal

      Seems like they have disabled XRP wallet for a while.

      1. lancy dmello

        Hi Harsh,

        So I deposited 40k INR in Koinex
        Purchased .5 ETH on Koinex
        From Koinex I transfered .5 eth to Binance
        and then exchanged it for STELLAR
        in the process i was handed over stellar worth only 25000
        15000 was just lost

        is there a way to reduce this loss


  4. Nik

    I am thinking about transferring XBT to Gatehub and then buying XRP and holding XRP in a Gatehub wallet. Do you suggest long term holding of XRP on Gatehub or are there better XRP wallets?

    I was under the impression that many providers only give out XRP IOU’s and Gatehub actually stored XRP not IOU’s. Is this correct?

    Further to this; is there any benefit to holding XRP over an XRP IOU?

    Great page. Thanks!

    1. Sudhir Khatwani

      Ledger Nano S Wallet is best if you have a significant amount of XRP.
      Holding actual XRP is any day good and better!

  5. Manny Batcho

    After storing coins off of an exchange how will or does it work for value or getting them back on the exchange to sell any large fees aside from the 20xrp held in these transactions?

    1. Sudhir Khatwani

      Sorry, couldn’t quite understand your question…If you are asking can you sell it and pay the fess during that duration then yes you need to pay the minimum tx fee.

  6. JEJSD

    I’m on Kraken and have some XRP. Is there any provider (exchange/wallet etc) that allows me to withdraw my profits while keeping the balance of XRP the same? Thanks

    1. Sudhir Khatwani

      I don’t understand your question?

  7. Justin


    Im using Gatehub and i have my XRP stored there but im waiting for 1 month now: Pending gateway. They dont respond to tickets. I want to transfer my ripple to other wallet. What do you suggest? Thanks.

  8. Brett

    Is XRP still available on Changelly? I didn’t see it in the list

    1. Sudhir Khatwani

      No not available now, we will update this article.

  9. rupert

    How About Toast wallet? Its okay to store XRP On it?

    1. Sudhir Khatwani

      Didn’t verified it yet!! Ledger Nano S and Coinpayments are verified ones.

  10. Izuchukwu Nwachukwu

    Do we still need to pay the 20XRP for the ledger Nano S?

  11. S kumar

    In India they have stopped opening new wallet.Kindly suggest best wallet and how can we directly purchase ripple.

  12. Farjad

    Any reviews about ripple wallet on as I am planning to store my ripples there.

  13. Caroline Grevinga

    GateHub is a mess. It will not verify my phone number, They are not responding to tickets and the Ripples I send are now held by them with no way for me to transfer them back to where I send them from 🙁

    1. Sudhir Khatwani

      A lot of volume and traffic. Be patient, it should be resolved.

  14. Julio

    Hello, I have a question. I just ordered my Ledger Nano S but it will arrive in 7-21 days. Is it safe to buy xrp on bitstamp and leave them there until my Nano S arrives or should I wait for the Ledger to arrive before buying?

    Thanks in advance!

    1. Harsh Agrawal

      Bitstamp is a reputed exchange and yes I don’t mind holding some coins there for a few days.

  15. Bryan

    If I transfer all of my XRP from my Toast Wallet into a CoinPayments wallet or to a Ledger Nano S, will I lose the 20XRP held by ToastWallet for the account minimum?

    1. Sudhir Khatwani

      You will not lose. It is one time kind of fee that you have already paid for that XRP address. You can always use your toastwallet address again and again once you have paid.

  16. susan

    Hello, I am a little confused as this is all new. I am in Canada. I brought XRP on Binance today. So is that also a wallet, my wallet ??? Or is Binance wallet seperate ?

    thanks, susan

    1. Harsh Agrawal

      That’s your wallet on Exchange. However, you don’t control the XRP if something happens to the exchange like getting hacked or getting out of business due to regulations. You should transfer the coin to a wallet where you have the seed word or private key. If it’s a considerable amount then you should get a hardware wallet like Ledger. I find it better than any other method to store Ripple for a longer term .

  17. Michael Andersson

    Why hasn’t the CoinPayments app on android been updated since dec 10 year 2016?. more than a year outdated?

  18. Drix

    Hey, what do you mean “getting out of business”?? And If I don’t have 20 XRP, what other wallet can I use to store my ripple so I don’t lose it?? Thanks!!

    1. Harsh Agrawal

      May be on an exchange. You can buy 1 XRP from the exchange and that will enable a free wallet and then you can transfer the XRP to that wallet. However this is recommended only for best exchanges like Binance, Bittrex and for a short span of time). For longer hold a hardware wallet is the best.

  19. Harshil Sanghavi

    How is rippex as a wallet for storing XRP?

    1. Sudhir Khatwani

      Honestly never used it but many are using it..

  20. Farhan Sami

    Sir ..
    I am From Pakistan and want to invest in Ripple for long term but i can’t know that which wallet will be better to store coin safely for long time.

    also know about how i buy ripple with USD or PKR and from where and how i transfer that coin into safe wallet..


    1. Sudhir Khatwani

      The above article is to help you out in getting the right wallet.

      1. William Suarez

        Hi, from Philippines here, sailing the high seas. what can you say about offline wallet like the “ripple offline wallet pvc card” i am planning to get? Thanks in advance

        1. Sudhir Khatwani

          It is just another form of paper wallet in form of plastic. So if you know well how to use paper wallets then go ahead other wise not!

  21. deepak


    Is it possible to directly move ripple from koinex exchange wallet to Ledger NanoS, if yes, can you share a video link to follow.
    Or do we need to move them to any other exchanges like Binanace etc and move them from there to ledger nanoS..

  22. Sunil Kumar

    Thank you for the information. I’ll try Binance.

  23. Adnane

    I don’t know why my phone’s number can’t be verified. I write it right a lot of times… Please help!

  24. Carlos

    I have xrp on binance. Why am I being asked to provide a minimum withdrawal of 22xrp after I initially withdrew 20xrp to my toast wallet? I can’t get my remaining xrp off binance and to toast wallet binance is asking for another 22xrp minimum

  25. Ivan Kostić

    Dear Sir,
    you wrote in the article:
    So if you add 1000 XRP to your Ripple wallet, 20XRP will be used to book the wallet address. This is one reason you don’t want to use multiple wallets for XRP (unless required).

    Are this 20XRP lost for good (like some kind of fee for transferring XRP to my wallet), or will they be returned in same time latter?

    example: if I buy 100RXP, and want to transfer them to my Ladger Nano S, this will cost me 20RXP + 58eur (cost of wallet) = around 118eur ????

    1. Sudhir Khatwani

      20 XRP is one time kind of fee for using that particular ripple address.

      1. Alberto

        is there any way to sell all my wallet amount, reserve too?, or 20XRP ara like lost?
        thank you

        1. Sudhir Khatwani

          Nope can’t sell it…Not paid a one time fee for using that address!

    1. Sudhir Khatwani

      Looks like a scam..not much downloads, no comments.

  26. Gabriela

    Hi Sudhir,

    I know this might be a stupid question, but still…
    Is it mandatory to use a wallet to store your ripple? I am planning to buy a small amount (around 40) and it doesn’t really make sense for me to have half of that reserved and blocked on the wallet. I do understand the point of a wallet and that it is not safe to leave it on an exchange, but I think it doesn’t really make sense in my case. What do you think?

    Thank you for this guide,

    1. Sudhir Khatwani

      I can’t advise on that maybe someone else can comment on it…It depends upon one’s risk appetite.

  27. Joe

    So if I buy bitcoin on Coinbase and then use shapeshift to exchange it for XRP, can I send it directly to the nano ledger? Where does the 20 XRP play into this scenario?

  28. Vipin

    Is it possible to store XRP keys on paper for couple of months and then transfer to a Ledger Nano S hardware wallet when they are available in stock.

    Will that be a easy transfer process?

    1. Sudhir Khatwani

      Which paper wallet for XRP are you using?

  29. Taylor

    I have xrp on Kraken…. i just ordered a Ledger Nano… how do I transfer the coins to my Ledger Nano?

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