How to buy XRP on Bybit in Europe (2026 guide)
How to buy XRP on Bybit EU, the MiCA-licensed Austrian arm: verify, deposit euros, buy XRP/EUR for a flat 0.25% (€2.50 on €1,000) and withdraw with a tag.
To buy XRP on Bybit in Europe, you sign up at bybit.eu, verify your identity with an ID and a selfie, deposit euros and buy XRP on the spot market for a flat 0.25% fee: €0.25 on a €100 buy and €2.50 on €1,000. EU residents use Bybit EU GmbH, a separate Austrian company with its own MiCA licence, not the global bybit.com.
We checked Bybit EU’s fee announcement, help centre, Austria’s authorisation notice and Bybit EU’s public market data on 23 October 2026. We haven’t bought XRP on Bybit ourselves, so every figure below comes from those official sources. XRP is volatile, and you can lose all the money you invest.
Can you buy XRP on Bybit in the EU?
Yes. Bybit EU GmbH, based in Vienna, was authorised under MiCA by Austria’s Financial Market Authority (FMA) on 28 May 2025, and its public API listed XRP/EUR and XRP/USDC as trading pairs on 23 October 2026. You can buy XRP directly with euros.
The licence covers custody, exchanging crypto for money or other crypto, placing and transfer services, and it is passported across the EEA, including the Netherlands, Germany, Belgium and Ireland. Malta is excluded. Bybit EU’s API showed no XRP/USDT pair: on bybit.eu, XRP trades against the euro and USDC.
- Main upside: a flat 0.25% spot fee, no Bybit EU fee on fiat deposits, and card, Apple Pay and Google Pay top-ups.
- Main catch: about $1.5bn in ETH was stolen from Bybit’s wallets on 21 February 2025, and the Dutch central bank fined Bybit Fintech Limited €2.25m in 2024 for serving Dutch clients without registration.
- Look elsewhere if you want every withdrawal fee published before you sign up, or a cleaner track record.
Bybit EU is not available to US persons or to nationals of Malta, Russia and several other countries. Make sure you are on bybit.eu: global Bybit is a different company and is not the one with the MiCA licence.
What is XRP and the XRP Ledger?
XRP is the native digital asset of the XRP Ledger, a decentralised blockchain created in 2012 for fast payments. According to xrpl.org, transactions settle on the ledger in 3 to 5 seconds, and no more than the original 100 billion XRP can exist, because all of it already exists.
Ripple, the payments company, is often confused with XRP, but xrpl.org describes XRP as a digital asset independent of Ripple. Buying XRP gives you the coin, not a stake in the company. Its current price can swing sharply within 24 hours, and we don’t make price predictions: only invest money you can afford to lose.
How to buy XRP on Bybit, step by step
Buying XRP on Bybit EU takes five steps: open an account at bybit.eu, verify your identity, deposit funds, place your order and, optionally, withdraw to your own wallet. Allow about 20 minutes, plus the time the identity check and your bank transfer take.
- Create your account at bybit.eu. Type the address yourself or download the Bybit EU app, sign up with your email and a strong, unique password, and turn on app-based two-factor authentication before you deposit anything.
- Complete identity verification. Bybit EU asks for an ID document and a selfie. You need to finish it before you can deposit euros, use Earn or raise your withdrawal limits.
- Deposit euros. Choose a SEPA bank transfer from an account in your own name, or top up by card, Apple Pay or Google Pay where available. Bybit EU charges no deposit fee of its own, but your payment provider might, so check the total before you pay.
- Buy XRP. Use One-Click Buy for a single quoted price, or open the XRP/EUR spot market and place a market order (fills straight away) or a limit order (you set the price). Spot trades cost 0.25% either way.
- Optional: withdraw to your own wallet. Open the withdrawal window, select XRP, add the address and, if you send to another exchange, its destination tag. Check the fee on screen, then send a small test amount first.
One-Click Buy or a spot order?
A spot order is the route with a published price: 0.25% of the trade at the entry tier. One-Click Buy is quicker, but Bybit EU shows its fees only after you log in, so compare its quote with the order book before you confirm.
On the spot market, a market order buys XRP at the best current price, and a limit order waits until the price reaches the level you set. Because maker and taker fees are both 0.25% on Bybit EU, a limit order protects the price you pay rather than the fee. Bybit EU’s API listed a minimum order of 0.1 XRP and €1 on XRP/EUR on 23 October 2026.
Bybit EU fees: what €100 and €1,000 of XRP cost
Buying XRP on Bybit EU costs a flat 0.25% in trading fees at the entry tier: €0.25 on €100 and €2.50 on €1,000. That rate applies below 100,000 USDC of 30-day trading volume, falls to 0.15% for higher-volume users and 0.045% at the top Supreme VIP level, and has applied since 5 October 2026.
| Cost | €100 buy | €1,000 buy |
|---|---|---|
| Euro deposit (Bybit EU fee) | €0.00 | €0.00 |
| Spot trade, market or limit order (0.25%) | €0.25 | €2.50 |
| One-Click Buy or card purchase | Shown after login | Shown after login |
| XRP or SEPA withdrawal | Shown after login | Shown after login |
A worked round trip: deposit €1,000 by SEPA (no Bybit EU fee), buy XRP for €2.50 in fees, later sell €1,000 worth for another €2.50 and withdraw the euros. That is €5.00 in trading fees plus a SEPA withdrawal fee that Bybit EU only shows in the logged-in withdrawal window. If you invest €100 a month, the trading fees come to 12 × €0.25 = €3.00 a year.
To compare, the same €1,000 market order costs €8.00 on Kraken Pro (0.80% taker) and €3.50 on OKX Europe without an X-Perps account (0.35% taker). Bybit EU’s catch is transparency, not the trading fee: you can’t see every cost before you sign up. Our Bybit fees page tracks every cost we can verify.
Withdrawing XRP from Bybit: destination tags and network
To withdraw XRP from Bybit, you send it on the XRP Ledger network to an address you choose, and if that address belongs to another exchange you also need its destination tag. The tag is a number that tells the receiving exchange which customer to credit, because many exchanges share one XRP address between their users.
According to the XRP Ledger documentation, a payment without the right tag can leave the receiving exchange unable to match it to you, and some exchange addresses reject payments without a tag altogether. A wallet you control yourself normally doesn’t need one.
- Check the fee first. Bybit EU shows XRP withdrawal fees only in the logged-in withdrawal window.
- Fund a new wallet properly. Every XRP Ledger address must hold a base reserve, currently 1 XRP according to xrpl.org. Send more than that to a brand-new wallet.
- Expect travel-rule checks. Since 30 December 2024, EU platforms must pass on sender and recipient details between providers, and above €1,000 to your own wallet they must check that the wallet is yours.
- Test before you send it all. XRP transfers settle in seconds and can’t be reversed.
Where to keep your XRP after you buy
XRP you leave on Bybit EU is held by the exchange, which controls the keys. That is convenient for active traders, but the February 2025 hack is a reminder that coins on any exchange depend on that exchange’s security. For larger, long-term holdings, consider moving XRP to a wallet you control.
- Our guide to wallet types compares software, mobile and hardware wallets.
- A hardware wallet keeps your keys offline, which is the usual choice for larger amounts. Check that it supports XRP.
- With self-custody, nobody can recover a lost recovery phrase, so write it down and store it securely.
Bybit publishes a Merkle-tree proof of reserves with its wallet addresses, most recently for 23 September 2026. It shows holdings on one day and is not insurance: crypto on an exchange isn’t covered by any deposit guarantee or investor compensation scheme.
Common mistakes when buying XRP on Bybit
Most mistakes on Bybit EU come from the wrong website, the wrong product or a missing tag. Check these before you start:
- Signing up at bybit.com instead of bybit.eu. Only Bybit EU GmbH holds the MiCA licence for EU residents.
- Leaving out the destination tag. Sending XRP to an exchange without it can leave your funds unassigned until support matches them to you.
- Opening a margin trade by mistake. Spot margin uses borrowed money and can be liquidated.
- Paying by card without checking the total. Card and One-Click Buy fees are only shown after login, and your card issuer may add its own.
- Trusting fake support. Use the help centre inside bybit.eu; real support staff never ask for your password or 2FA codes.
Taxes on XRP in the Netherlands and Germany
Buying XRP isn’t taxed in itself, but holding and selling it can be: in the Netherlands, crypto counts towards your box 3 assets on 1 January (for 2026, a 6.00% notional return taxed at 36% above €59,357 per person), and in Germany, gains on crypto sold after more than a year are generally tax-free under the private-sale rules (a September 2026 draft bill would end that for coins bought from 2027). Save your Bybit trade history each year.
Bybit alternatives for buying XRP in Europe
If Bybit EU’s track record or hidden withdrawal fees put you off, two other MiCA-licensed exchanges list XRP against the euro:
- Kraken: licensed by the Central Bank of Ireland, with free SEPA deposits and a published fee schedule, but higher entry fees (0.40% maker, 0.80% taker on Kraken Pro). See how to buy XRP on Kraken.
- OKX Europe: licensed in Malta, with 0.20% maker and 0.35% taker fees, or 0.08% and 0.10% with an X-Perps derivatives account. See how to buy XRP on OKX and our Bybit vs OKX comparison.
Binance and KuCoin are not options for EU residents in 2026. For Bybit’s full licence, security and fee record, read our Bybit review.
Questions people ask
Can you buy XRP on Bybit in the EU?
Yes, through Bybit EU GmbH at bybit.eu, which holds a MiCA licence from Austria's FMA. Bybit EU's public API listed XRP/EUR and XRP/USDC as trading pairs on 23 October 2026; if you don't see XRP, check the asset list in the app.
How much does it cost to buy XRP on Bybit EU?
Spot trades cost a flat 0.25% at the entry tier, so €0.25 on a €100 buy and €2.50 on €1,000. Bybit EU charges no fee of its own on fiat deposits, but One-Click Buy, card and withdrawal fees are only shown after you log in.
Is Bybit legal in the EU?
Yes. Austria's FMA authorised Bybit EU GmbH under MiCA on 28 May 2025, and the licence is passported to the EEA, including the Netherlands, Germany, Belgium and Ireland. Malta is excluded.
Can US citizens use Bybit?
No. Bybit excludes US persons from both Bybit EU and its global platform, and Bybit EU also turns away nationals of Malta, Russia and several other countries.
Do I need a destination tag to withdraw XRP from Bybit?
If you send XRP to another exchange, yes: copy its destination tag along with the address, or it may not be able to credit you automatically. A wallet you control yourself normally doesn't need one.