Buying XRP with PayPal: PayPal itself does not sell XRP in Germany

Anyone wanting to buy XRP with PayPal gets a clear answer in Germany: it cannot be done directly in the PayPal account. PayPal itself does not sell cryptocurrencies in Germany, and that includes XRP. The route runs via a crypto exchange or crypto broker that accepts PayPal as a payment method. You top up your account there via PayPal or pay for the purchase directly through PayPal, and the exchange delivers the coin. This guide shows which providers offer this in Germany, where the fees lie, which supervisory authority stands behind the platforms and what happens with custody and tax after the purchase. A broader overview of all platforms can be found in our crypto exchange comparison. Can you buy XRP directly on PayPal? No, not with a German PayPal account. PayPal has offered the purchase, holding and sale of cryptocurrencies in its own account in the US since 2020 and later extended the service to the UK and Luxembourg. German customers still do not have this feature. In its comparison dated October 21, 2026, Handelsblatt notes that customers from Germany still have no way of buying cryptocurrencies directly via PayPal and that PayPal has not given a date for it. Even in the US, XRP is not on the list of coins customers can hold in their PayPal account. According to reports, Bitcoin, Ethereum, Litecoin, Bitcoin Cash, Solana, Chainlink and the company's own stablecoin PYUSD are available there. A stablecoin is a token whose value is pegged to a currency such as the US dollar. What "Pay with Crypto" means at PayPal Another service causes confusion. In July 2025, PayPal announced "Pay with Crypto". It allows merchants in the US to accept payments in around 100 cryptocurrencies, including XRP, and receive the amount credited in dollars. The buyer pays from their own wallet, such as MetaMask or an exchange wallet. This is a payment route for merchants, not a purchase offer for retail customers. You cannot get XRP through it. PayPal as a payment method: how the detour via a crypto exchange works In Germany, the practical route always runs via a trading platform, where PayPal is a payment method like a credit card or a SEPA transfer. There are two variants, and they differ mainly in cost. Deposit into the trading account: You transfer euros via PayPal to your account at the exchange or broker. The balance is usually available immediately, and you then buy XRP at the regular trading price. Direct purchase with PayPal: You select XRP, enter an amount and confirm the purchase in the PayPal window. This is more convenient, but at some providers it costs considerably more in fees. Before the first purchase, every regulated provider requires verification.