How to Buy XRP With Cash (Step-by-Step Guide)

What this guide covers: How to buy XRP (Ripple’s digital asset) with cash using a Localcoin crypto ATM, step by step.

Time required: 2–5 minutes at the ATM.

What you need: An XRP wallet (with QR code), cash, and a mobile phone for SMS verification.

ID required? Yes, Australia requires you to complete KYC verification. Learn more here!

Why XRP? XRP settles transactions in 3–5 seconds with fees under $0.01, making it one of the fastest and most cost-efficient digital assets available.

The fastest way to buy XRP with cash is at a crypto ATM. At a Localcoin ATM:

1. Complete a one-time KYC identity verification (at the ATM or online);
2. Find an ATM near you;
3. Select XRP and verify your phone number;
4. Scan your wallet QR code; and
5. Insert cash. XRP is sent to your wallet in minutes. No exchange account is needed.

A crypto ATM is a physical kiosk that lets you buy XRP and other cryptocurrencies using cash — no bank account and no exchange account required.

Instead of funding an account on a cryptocurrency exchange, a crypto ATM lets you walk up, insert cash, scan your wallet, and walk away with XRP in minutes. Localcoin operates 900+ crypto ATMs across Australia, making it one of the quickest ways to get XRP into your hands with cash.

Before heading to a Localcoin ATM, make sure you have these three things ready:

You need a XRP wallet to receive your XRP after the ATM transaction. Here are three beginner-friendly options:

Important — XRP minimum balance: The XRP Ledger requires a minimum reserve of 10 XRP in any wallet to keep it active. This reserve stays in your wallet and is not lost — it is simply locked as a network requirement. Make sure your purchase is large enough to cover this reserve plus any XRP you want to hold.

Tip: Once your wallet is installed, open it and navigate to your XRP receive address. It will appear as a QR code starting with ‘r’. Have this screen ready before you approach the ATM.

Find the closest Localcoin ATM near you.

All you need is your wallet address QR code and cash!

Once you're at a Localcoin ATM, select Ripple from the list of cryptocurrencies available, then enter your phone number to begin the transaction.

Use your wallet's QR code, and hold it up to the ATM's camera.

Don't have a wallet? See below for our recommendations.

Insert the amount of cash equivalent to the Ripple you would like to purchase. A receipt will be sent via SMS.

Crypto ATMs charge a transaction fee, which is typically a percentage of the purchase amount. Fees vary by location and transaction size. The current fee is displayed on the ATM screen before you confirm your transaction, so there are no surprises.

Good to know: XRP network fees are exceptionally low — typically less than $0.01 per transaction. Combined with 3–5 second settlement, XRP is designed to be one of the most efficient digital assets to send and receive globally.

Tip: Always review the transaction summary screen before confirming. It will show you exactly how much XRP you will receive after all fees.

Yes — buying XRP from a regulated, trusted crypto ATM operator like Localcoin is safe. Localcoin complies with AUSTRAC anti-money laundering regulations.

Security measures built into every Localcoin ATM transaction:

• SMS phone verification on every transaction
• Blockchain transaction records that are permanent and tamper-proof
• Secure direct wallet transfers — XRP goes straight to your wallet, not through a third party
• Required KYC verification for all transactions

Important: Always ensure you are using a legitimate, registered crypto ATM operator. Scammers sometimes pressure people into sending crypto to unknown wallets. Localcoin will never ask you to send XRP to anyone other than your own wallet.

XRP is one of the fastest and most cost-efficient digital assets available — settling transactions globally in 3–5 seconds for fractions of a cent. Whether you’re holding XRP for the long term or exploring its use as a bridge currency, buying with cash at a Localcoin ATM is the simplest way to get started.

With Localcoin’s network of crypto ATMs across Australia, once you’re verified you can go from cash in hand to XRP in your wallet in minutes — no exchange account and no waiting for bank transfers. Use the Localcoin ATM locator to find the nearest machine today.