Top 10 XRP Exchanges with Lowest Fees for Trading 2026

This guide provides a factual comparison of the top 10 exchanges for XRP in 2026, focusing on maker/taker schedules, withdrawal costs, and available liquidity. Top 10 Lowest Fee XRP Exchanges in 2026 The following table ranks the leading platforms based on their 2026 fee structures. Many of these exchanges offer tiered VIP systems that further reduce costs for

XRP Basics & Selection Criteria

As of 2026, XRP has seen a significant rise in adoption due to its ability to settle cross-border payments in seconds. This growth is supported by clearer global regulatory frameworks, making it a staple for both retail and institutional traders. For those trading XRP, selecting an exchange with a low fee structure is essential to maintaining profit margins, especially during periods of high market volatility.

Top 10 Lowest Fee XRP Exchanges in 2026

The following table ranks the leading platforms based on their 2026 fee structures. Many of these exchanges offer tiered VIP systems that further reduce costs for high-volume users.

Note: These rates are based on February 2026 data. Holding native exchange tokens, such as MEXC’s MX token, can provide additional discounts (e.g., up to 50% off taker fees).

MEXC: Leading for Promotional Rates

MEXC remains a top choice for cost-conscious XRP traders due to its ongoing "Zero- Fee" initiatives. As of early 2026, the platform often maintains 0% maker and 0% taker fees for primary spot pairs like Ripple USDT exchange và XRP/USDC.

Outside of these promotions, the standard fee is 0.1%, but users holding MX tokens can receive a 50% discount on taker fees. With over 2,700 trading pairs and a high liquidity score, it supports high-volume trading without significant slippage.

Binance: Global Liquidity Leader

Binance continues to handle the largest portion of global XRP trading volume, often exceeding 30% of the market. Its fee structure is highly competitive for active traders, starting at 0.1% for both makers and takers.

In 2026, Binance updated its zero-fee program to include certain FDUSD pairs, allowing for 0% maker fees on XRP/FDUSD. Traders using BNB to pay for fees receive a 25% discount, and high- volume VIP tiers can reduce maker fees to 0%.

OKX: Advanced Trading Infrastructure

OKX is positioned as a reliable platform for professional traders, offering a transparent tiered fee system. For regular users, spot trading fees start at 0.08% for makers and 0.10% for takers. These rates decrease as trading volume or OKB token holdings increase.

OKX is noted for its high-performance API and sophisticated charting tools, making it a preferred venue for automated XRP trading strategies in the 2026 market.

Bybit: Optimized for Spot and Derivatives

Bybit has expanded its spot market significantly, offering a maker fee of 0.1% and a taker fee of 0.1% for base-level accounts. For those focused on XRP derivatives, Bybit provides high leverage options with a specialized fee structure (0.02% maker / 0.055% taker).

The platform frequently runs incentives for market makers, occasionally offering rebates that effectively result in negative fees for providing liquidity.

KuCoin: Diverse Asset Selection

KuCoin remains a competitive option with its "People's Exchange" model, featuring fees starting at 0.1% for both sides of a trade. By utilizing the KCS token, traders can reduce these costs by 20%.

KuCoin is particularly useful for traders looking for XRP pairs against a wide variety of smaller altcoins that may not be available on larger platforms like Binance or OKX.

Kraken: High Security and Fiat Integration

Kraken is widely recognized for its regulatory compliance and security record. While its "Instant Buy" fees are higher, the Kraken Pro interface offers competitive volume-based pricing. Fees start at 0.25% for makers and 0.40% for takers, but these scale down rapidly for active traders.

Kraken is a primary choice for users in the US and Europe who require stable fiat-to-XRP gateways.

Coinbase: Regulated and User-Friendly

Coinbase Advanced (formerly Coinbase Pro) provides a tiered fee structure that caters to more experienced traders. Rates start at 0.40% for makers and 0.60% for takers for lower volume tiers. While higher than some offshore competitors, many traders prioritize

Coinbase for its public company status and insurance protections. In 2026, the platform remains a major hub for institutional XRP liquidity.

Gate.io: Comprehensive Trading Pairs

Gate.io offers one of the most extensive lists of XRP trading pairs in the industry. Its standard fee is 0.2%, but this can be lowered significantly through Gate.io’s VIP program, which factors in both trading volume and GT token holdings.

The platform is ideal for traders who want to explore niche XRP-based markets beyond the standard USDT or BTC pairings.

LBank: Competitive Global Rates

LBank has gained traction in 2026 by offering a straightforward 0.1% flat fee for most spot trading pairs, including XRP. It is often cited for its ease of use and quick account setup process.

While it may lack the advanced features of OKX or Binance, its low entry barrier makes it a practical choice for casual traders focusing on simple XRP transactions.

Crypto.com: Ecosystem-Based Discounts

Crypto.com’s exchange platform uses a tiered model based on 30-day trading volume and the amount of Cronos (CRO) staked. Base fees start around 0.075% for makers and 0.15% for takers.

For users already integrated into the Crypto.com ecosystem, the potential for fee rebates and staking rewards makes it a viable long- term option for holding and trading XRP

Reducing XRP Trading Fees Further

Beyond choosing the right exchange, you can employ specific strategies to lower
costs:

• Native Token Discounts: Holding tokens like MX (MEXC), BNB (Binance), or KCS (KuCoin) usually triggers an automatic fee reduction.
• Promotional Events: Exchanges often run "Zero-Fee" weeks for specific pairs; keep an eye on official announcements.
• Liquidity Concentration: Stick to high-volume pairs like XRP/USDT to ensure tighter spreads, which reduces the indirect cost of trading.

Smart plays involve using limit orders and taking advantage of high-volume pairs to ensure tight spreads. Many traders also consolidate their portfolios on the MEXC Bitcoin USDT exchange to benefit from the same low-fee structure applied across their major asset markets. Using real-time API tools can further help in comparing these spreads effectively.

Conclusion

In 2026, MEXC is the top choice for low-fee XRP trading. While Binance and OKX lead in liquidity, MEXC’s 0% maker fee promotions and MX token discounts offer the most cost-effective environment for maximizing profits.

• Lowest Fees: MEXC (0% maker fee initiatives).
• Highest Liquidity: Binance (best for large-scale orders).
• Best Security: Kraken/Coinbase (preferred for regulatory compliance).
  

To save more, use limit orders and hold native exchange tokens to lower your trading costs further.