Buy XRP in Canada with Interac e-Transfer
Your price is locked when you confirm. Coins are sent the moment your e-Transfer is deposited. Identity verification is required once, on your first purchase.
Buy XRP online in Canada in minutes: send an Interac e-Transfer straight from your own bank account and your XRP is on its way as soon as the transfer is received. XRP is the native token of the XRP Ledger, a payments-focused blockchain built to settle transactions in seconds for fractions of a cent. Launched in 2012, it is one of the longest-established and most widely held cryptocurrencies in the world, used for fast, low-cost payments and cross-border transfers. Bitcoin4U makes it simple to buy XRP with Interac without the friction of wire transfers or third-party processors.
Because the e-Transfer travels through Canada's trusted, established banking infrastructure and is supported by more than 250 Canadian banks and credit unions, your funds usually land within minutes, although some institutions may need up to roughly 30 minutes to complete the transfer.
A quick note on destination tags: if you are sending your XRP to an exchange account, your exchange's deposit page will show a destination tag alongside the deposit address. Enter both on our order form - XRP sent to an exchange without its required destination tag may be permanently lost, and Bitcoin4U is not responsible for funds lost due to a missing or incorrect tag. If you are using your own private wallet, a destination tag is usually not required.
To buy XRP with e-Transfer, you'll complete a quick, one-time identity (KYC) verification on your mobile device before your first purchase. The process typically takes less than a minute and requires your address, email, phone number, government-issued ID, occupation, and a quick selfie. If you have already verified with us for another coin, you will not need to verify again. Your personal information is handled securely and protected in accordance with our Privacy Policy.
When you buy XRP through Bitcoin4U, every number - the live exchange rate, the current XRP price, and any transaction fees that apply - is set out clearly before you confirm your order. The instant your e-Transfer is received, your XRP heads to your wallet immediately and automatically, day or night.
More ways to buy cryptocurrency in Canada
Buy with Interac e-Transfer
Buy Bitcoin with e-Transfer
Buy Ethereum with e-Transfer
Buy Litecoin with e-Transfer
Buy USD Coin USDC with e-Transfer
Buy Solana with e-Transfer
Other ways to buy Bitcoin
Buy Bitcoin with credit or debit card
Buy cryptocurrency by wire transfer
Buy Bitcoin at a Bitcoin ATM
New to XRP? Read how to buy Ripple (XRP) in Canada, step by step. You will need a wallet you control, or an exchange account in your own name: see what a non-custodial wallet is.
Buying XRP with Interac e-Transfer: common questions
Can I buy XRP with Interac e-Transfer in Canada?
Yes. Bitcoin4U accepts Interac e-Transfer from any Canadian bank or credit union that offers it, which is over 250 of them. Enter the amount and the wallet address you want the XRP sent to, verify your identity once, send the e-Transfer from a bank account in your own name, and the XRP is sent to your wallet once the deposit is received and matches your order.
What XRP address and destination tag do I enter to buy XRP?
Enter a classic XRP Ledger address, which starts with the letter r, for a wallet you control or an exchange account in your own name. X-addresses, which start with X, are not accepted. If your receiving account shows a destination tag next to its deposit address, as exchanges do, type that number in the separate Destination tag box on the order form, not after the address. XRP sent without a required tag may be permanently lost, and Bitcoin4U is not responsible for funds lost to a missing or incorrect tag. A private wallet usually does not need one.
How long does it take to receive my XRP?
XRP is sent as soon as your e-Transfer is deposited and matches your order, and the XRP Ledger settles a payment within seconds. Occasionally a payment is held for an extra security check before it goes out; it is sent once the check clears. Most banks deliver an e-Transfer within a few minutes; a few take up to 30 minutes.
Does a new XRP wallet need some XRP before it becomes active?
Yes. The XRP Ledger requires every wallet to hold a small base reserve, currently 1 XRP, before it becomes active. If you are funding a brand-new wallet, make sure your first purchase is large enough to cover that reserve, because the order form does not check whether your wallet is already active. Our guide to buying Ripple (XRP) in Canada explains the reserve and destination tags.
Can I buy XRP with cash at a Bitcoin ATM in Canada?
Yes. Despite the name, every Bitcoin4U Bitcoin ATM sells XRP for Canadian cash, along with Bitcoin, Ethereum, Litecoin, USD Coin and Solana. The machines are buy-only, so you cannot sell XRP at an ATM. The coins go to the address you provide, and Bitcoin4U never holds them. Find the closest Bitcoin ATM with our ATM locator.
Is Bitcoin4U a registered Canadian business?
Yes. Bitcoin4U (Innovative Horizon Technologies Inc.) is registered with FINTRAC as a money services business, registration number M19742234, and with Revenu Quebec, registration number 16220. Canadian law requires identity verification: it is done once, on your phone, and usually takes under a minute. See the policies page.
What are the fees and limits for buying with e-Transfer?
The amount of XRP you will receive and every fee are shown on screen before you confirm. The quote holds for one hour; if your e-Transfer arrives after that, the XRP amount is recalculated at the rate when it lands. The minimum order is $50, and Interac e-Transfer purchases go up to $25,000 CAD per 24 hours; for larger amounts, buy by wire transfer ($25,000 or more). Current rates are on the fees page.
Do I need my own wallet to buy XRP from Bitcoin4U?
You need an address to receive the XRP: a wallet you control, or an account at an exchange in your own name. Bitcoin4U is non-custodial: the XRP goes straight to the address you enter and we never hold your coins. If you do not have a wallet yet, our wallet guide compares the options so you can set one up before you buy.