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.

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. sure varma

    In paper wallet I need 20 xrp to store and can I use them

    1. Sudhir Khatwani

      You need minimum 20 XRP to initialize it

  2. Alok

    I am from India, I want to enter the world of cryptocurrency and would like to buy XRP. Is Gateio the best place to buy for a person in India? and is ledger nano s the best wallet to store the coins too? until we get that ledger, where to store the coins? Appreciate your help!

  3. Eddy

    If a ripple wallet costs 20XRP,and i want to prevent to much wallets,is it possible to send the ripples direct to my Ledger Nano ??
    Now on Gatehub,but verifications are pending 5 weeks…so i don’t want to use this Ripple wallet but i want to send it direct from to my Nano Ledger.
    Is this allowed or not ?

  4. Kapil

    Hey, you didn’t mention about Fiat currency, If one wants to buy Ripple with Fiat currency so, what are the possible ways available?

    1. Harsh Agrawal

      You can get it from
      You can also get it from bitBNS (Indian exchanges)

    2. Vince

      Now you can also buy XRP with USD on Kraken

  5. David G.

    I’m concerned about a hardware wallet. What happens if the hardware fails?

    1. Harsh Agrawal

      You can restore to a new wallet using seed key.

  6. Bud

    Already started using gatehub wallet for my xrp based on previous posts I have read. Guess it will have to do. But I do have a Ledger Nano S coming in a couple of months for other cryptos. My question is: what is the best way to turn my xrp that is in my gatehub wallet into the most USD possible?

    1. CoinSutra Team

      Bitfinex is good for that.

  7. Nitin

    I did not understand why one should not hold for more than 2 days when we buy it from a trusted crypto exchange like coindelta/koinex ?
    Why wallets are so necessary ?

      1. Nitin

        The link you provided says only about bitcoin. What about ripples bought through Coindelta/Koinex ?

  8. linda toot

    have lost my password and 12 phrase from blockchange wallet how can i get access wallet have tried everything. can someone go into harddrive and retreive it

    1. CoinSutra Team

      No one can help once 12-word back-up phrase is lost.

  9. DomC

    Hello, first timer Crypto trader…. your site/posts are VERY helpful btw 🙂

    Question… I setup a Kraken account, just making sure I understand their platform correctly (since they are very delayed to get Q&A back to me)…

    I can move USD$ from my US bank account, purchase XRP, move it to my Ledger… then when I want to sell it, move it back to my Kraken account to sell it, then wire the $USD back to my bank account?

    Is that correct? Does or other platforms/exchanges do the same ?


    1. CoinSutra team

      Yes, that’s correct and Gate also allows USD.

  10. David

    Thanks for the post. I went ahead and bought a Ledger Nano S. Just got notification that it shipped early today. I was initially told it wouldn’t be shipped until late March.

    Do you think it will ever support Tezzies? I assume a firmware update is needed for that? How can we be certain that the update is safe? Couldn’t someone hack Ledger Shop, issue a malicious update and steal everyone’s tokens? Or, an insider could do it.

    Just trying to think of every possible worst scenario.

    1. CoinSutra Team

      You have the seed or keys if they do it also they won’t be able to do anything by looting Ledger Shop…nope no insider…however, you always need to exercise highest common sense and good self-education while dealing with crypto. You will find good starters video on Ledger Nano S on our Youtube channel, do visit-

  11. Kapil Sharma

    Hello, Amazing Blog for Crypto information

    Is there any transaction fee, if we transfer our crypto coins to ledger wallet. If yes, then How much it cost me total if I I transfer 100 XRP to Ledger wallet.

    For example:
    I have a account with koinex if and I transfer 100 XRP from there to ledger wallet they charge a transaction fee. Similarly if I transfer ripple from Ledger wallet to koinex wallet again to sell. Will it cost again ?

  12. vince

    I understand a fee of 20 XRP exists for the creation of a paper wallet or a Ledger Nano S wallet. Is that a ONE TIME fee or does it occur every time an XRP purchase is moved to that same wallet? Finally, is there also another 20 XRP fee when the coins are then moved FROM the paper wallet or the Nano and BACK to an exchange? Thanks in advance!

    1. Vince

      After further reading, I understand that it is a ONE TIME fee imposed by Ripple. It is applied to the initialization of every Ripple wallet. Hence, create one and use it for all XRP holdings. Correct?

    2. CoinSutra Team

      20 XRP per address initialization, so yes in both Ledger and paper wallet also.

  13. Lee Eide

    I really would appreciate help. I have about 850 units of XRP on Ripple wallet version 0.7.0 and when enter my secret seed, the address it generates is not recognized by their system. It was previously. I have checked my balance on this wallet many times before and all the coins were there. No their system says the account number is invalid. Where do I go for customer support for this wallet? I cannot find any kind of support on their site.

    1. CoinSutra Team

      Doesn’t looks like a legit wallet. Can you give the wallet link from where you picked it up.

  14. Robert F Fahy

    I struggled through the firmware upgrade and when it was through processing it asked me for my reconfiguration phrase. I have my list of 24 words, it asked for 12 of them. I put them in and it responded that they were invalid. That’s ridiculous! Now what do I do?

  15. Subu


    There is an option in for Wallet Services and they describe it as ‘ uses cold storage and a hot wallet, so your sending address for a digital asset will not be the same as your deposit address. Please do not send your asset from directly if the sending address is relevant to the transaction, for example, when you are participating in ICO and the assets will be sent back to the sending address’

    I have couple of questions on this:

    1. Does it make sense to buy XRP from and move it to the Wallet for storage for a considerable amount of time ? (2-4 weeks)

    2. What does this actually mean ? ‘Sending address for a digital asset will not be the same as your deposit address. Please do not send your asset from directly if the sending address is relevant to the transaction’

    Appreciate your help.

  16. Mark

    Thank you for your information. I am interested in buying, selling in short term. Do any of these wallets hold USD.

    1. CoinSutra Team

      No, it doesn’t. You can hold USD on exchanges only like etc to buy/sell XRP.

  17. Ishan Singh

    can i buy any of the cryptocurrency by paypal???

  18. Jhosep

    Interesting and complete your article on the wallets available for XRP Ripple

  19. Aham Pathak

    can ripple replace bank system in future ? thats why in india it is ban, correct me if i am wrong

    1. CoinSutra Team

      Sure, we will take that in account.

  20. Tiffany Simmons

    I have Ripple in a wallet and want to transfer it to Binance but Binance says I need a tag and address. The wallet I have only asks for Ripple address and amount. Would I still get it in Binance without a tag?

    1. Harsh Agrawal

      Kindly check this, if it helps

  21. Paul Puey

    Hello, would you please consider adding Edge Wallet to this list of XRP wallets. We’re a well respected company and team that’s been in crypto since 2014. Originally as Airbitz for bitcoin only, and now as Edge with a multicurrency wallet option.

    1. CoinSutra team

      We are looking into it and might list you in another article soon.

  22. In your article you say:

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

    Why do this rather than just converting USD into Ripple (XRP)

  23. Nilesh Chikane

    Nice article
    any leverage trading site for Ripple trading?

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