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How to buy Stellar (XLM)

Learn how to buy Stellar (XLM) on 20+ crypto exchanges in our step-by-step guide. App App logo
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You can buy Stellar (XLM) on a cryptocurrency exchange like eToro. These specialized marketplaces that allow you to buy and sell cryptocurrencies, and work similar to stock trading platforms. Launched in 2014, Stellar Lumens is a cryptocurrency that aims to offer fast and affordable cross-border transactions. Here's how to buy Stellar.

How to buy Stellar in 4 easy steps

The whole process can take as little as 15 minutes and all you'll need is a smartphone or computer, an internet connection, photo identification and a means of payment.

  1. Compare crypto exchanges
    The easiest way to buy Stellar is from a cryptocurrency exchange. Comparing in the table below lets you find one with the features you want such as low fees, ease of use or 24-hour customer support.
  2. Create an account
    To create an account on an exchange, you will need to verify your email address and identity. Have some photo ID and your phone ready.
  3. Make a deposit
    Once verified, you can deposit $ using the payment method that best suits you – wire transfer, online banking, bank transfer and credit card payments are widely accepted.
  4. Buy Stellar
    You can now exchange your funds for Stellar. On easier-to-use exchanges, this is as simple as entering the amount you want to purchase and clicking buy. If you like, you can now withdraw your Stellar to your personal wallet.
Disclaimer: This is not an endorsement of cryptocurrency or any specific provider, service or offering. It is not a recommendation to trade.

Where to buy Stellar

Find an exchange to buy, sell and trade XLM by comparing deposit methods, supported fiat currencies and fees. Select Go to site to sign up directly with the provider.

1 - 5 of 18
Name Product Deposit methods Fiat Currencies Cryptocurrencies
eToro USA LLC Cryptocurrency Trading
Wire transfer, Online banking


Get a $10 bonus when you deposit $100 or more.
Disclaimer: eToro USA LLC; Investments are subject to market risk, including the possible loss of principal.

Copy the trades of leading cryptocurrency investors on this unique social investment platform. Non-US residents can read our review of eToro's global site here.
SoFi Cryptocurrency Exchange
SoFi Cryptocurrency Exchange
Bank transfer


Win up to $100 in crypto with a qualifying first trade
Instantly purchase a handful of leading cryptocurrencies with the SoFi app, which also insures your coins against potential hacks or theft.
Uphold Digital Money Platform
Bank transfer, Credit card, Debit card, Bank transfer (SEPA)


Refer a friend to earn US$20 — $10 for you and $10 for the person you refer.
Buy, send and convert from 27 currencies in seconds, all on one platform.
KuCoin Cryptocurrency Exchange
Cryptocurrency, PayPal, Wire transfer, Credit or Debit Card, SEPA


Finder exclusive: Sign up and use code 1xf56 for one month of VIP 1 benefits. Deposit/transfer more than 0.1 BTC to KuCoin within 7 days of registration for 1 month of VIP 2 benefits. T&Cs apply.
Browse a variety of coin offerings in one of the largest multi-cryptocurrency exchanges and pay in cryptocurrency. App
Credit card, Cryptocurrency, PayPal, TransferWise, SEPA


Buy 250+ cryptocurrencies, earn up to 14.5% p.a. on holdings, pay with your crypto for cashback at stores, get loans and more with this complete crypto-finance platform.
Disclaimer: Star ratings are only displayed for products with 10 or more reviews.

Compare up to 4 providers

How do I find the best places to buy Stellar?

Cryptocurrency exchanges offer similar services, but differ in a few key ways – mainly fees, the range of cryptos available and payment methods. You can use our table to compare the features of popular cryptocurrency exchanges available in the US to help you choose the one that's right for you.

Some other factors you may want to consider are customer support, user reviews, ease of use and whether or not the exchange is registered with a local regulator. This information can be found by clicking on the exchange name in the table which will take you to its review page.

What will I need to buy Stellar?

To create an account on any cryptocurrency exchange you will need an email address. Some exchanges may also ask for a phone number and photo ID, so it's a good idea to have those ready.

An increasing number of cryptocurrency exchanges will ask to verify your identity before you can deposit funds and start trading Stellar.

  • This process is known as Know Your Customer (KYC) and usually requires photo ID and a webcam or smartphone. You may also need to prove your address by uploading a copy of a recent bank statement or utility bill.
  • Some exchanges allow you to deposit and trade cryptocurrencies without passing KYC, but they will not allow you to transfer local currency from your bank account. So if you are planning on purchasing XLM with your local currency then you will need to pass KYC.
  • Once you have verified your identity, it is a good idea to enable 2-factor authentication (2FA) before depositing any funds. This will increase the security of your account and help keep your funds safe.

Where can I buy Stellar with a credit or debit card?

Once you've created an account, you will need to deposit funds to buy XLM with. You can either deposit local currency from a bank account or credit card, or transfer cryptocurrency from another exchange or wallet. Here are popular deposit methods to buy XLM on the following exchanges:

Bank deposit
Card deposit
Crypto deposit
Go to eToro USA LLC Cryptocurrency Trading
Go to SoFi Cryptocurrency Exchange
Go to Uphold Digital Money Platform
  • Bank account: Transfers from local bank accounts are usually free, but you will need to double-check this with the exchange you choose – this information can be found in our table by clicking on 'view details'.
  • Credit or debit card: Linking a card to your account is another convenient way to top up your account, but be aware that it usually attracts an additional fee. An advantage, though, is that you can use a card to make instant purchases or set up a recurring purchase.
  • Cryptocurrency: You can usually purchase XLM by trading it for another cryptocurrency like Bitcoin or a stablecoin. This varies between exchanges though, so you will need to search for XLM on the spot market to see what cryptocurrencies it can be traded for.

What is the easiest way to buy Stellar?

The easiest way to buy XLM is by placing an 'instant buy' order to purchase it for a fixed price but not all crypto exchanges offer this feature.

Alternatively, you can open a trade on the spot market which allows you to set your own price – this is the most common way to purchase cryptocurrency. Using the instant buy feature is straightforward but typically more expensive than using the spot market.

Before buying XLM, you may want to check the market conditions. To help you decide if now is the right time to buy, you can take a look at our Analysis tools to get an idea of how the price of Stellar has been performing recently.

Best Stellar wallets to store your XLM

You can keep your XLM on the exchange you purchased it on, or move it to a personal wallet:

  • Some people like to use their own wallets to guarantee total ownership over their assets, or to use them with other applications like DeFi services.
  • Hardware wallets are typically considered to be the safest type of cryptocurrency wallet, as they use a physical device to enhance security in a number of ways. You can learn more about wallets and compare them with our comprehensive guide.
Disclaimer: This is not an endorsement of cryptocurrency or any specific provider, service or offering. It is not a recommendation to trade.

Is Stellar a good investment?

As with any investment, it is vital you understand the risks and potential upside of the asset before making any financial decision. With regards to XLM, here are a few things you should consider:

  • Ripple hard fork. If you're considering buying XLM, it's worth looking into its original form, Ripple, and comparing the two cryptocurrencies. XRP and XLM have different goals, however have a very similar function – providing extremely cheap and fast cross-border payments. Stellar has a greater eye on accessibility, being open-source and is more focussed on bridging the gap between crypto and fiat currencies. Some investors believe there is no space for both XRP and XLM to be mass-adopted, which makes it important to understand their differences in philosophy and function.
  • IBM Partnership. Stellar is one of the relatively few cryptocurrencies to focus on securing a long-standing partnership with tech or traditional finance companies. Together, IBM and Stellar created 'World Wire', a global payments system intended to rival the high fees of PayPal and other competitors.
  • ICO. The Stellar network can also be used by new crypto projects looking to launch ICOs. Mobius Network and SureRemit are just a couple of the projects to have launched via Stellar. Stellar is just one of many protocols that offer this functionality, with Ethereum being a direct competitor.
  • Goals. Although Stellar has moved somewhat away from its altruistic vision to focus on financial institutions, assisting the unbanked and everyday user to acquire equal financial opportunity is still an important goal. However, this does mean it has less corporate and financial incentives, which could somewhat stunt the network's economic growth.

Additional information about Stellar can be found using our XLM analysis tools.

Today's Stellar price versus ATH

Compare today's price of Stellar ($0.10475 USD) against its all-time-high price of $0.875563 USD on 03 January 2018. The closer the bar is to 100%, the closer XLM is to reaching its ATH again.

Stellar's price: $0.10475
ATH date: January 03, 2018

Stellar ATH: $0.875563

How to trade, convert or sell Stellar

You can convert or sell your XLM with the same exchange you bought it through:
  1. Sign in to the exchange you have XLM on.
  2. If you store your Stellar in a digital wallet, compare crypto exchanges to convert or sell it on.
  3. Choose Sell or Convert and place a sell order.
  4. Choose the amount of XLM you'd like to convert or sell.
  5. Confirm the sell price and fees and close your sale of Stellar.
  6. Complete your transaction and move your XLM to a wallet for storage.

Disclaimer: Cryptocurrencies, including Stellar, are speculative, complex and involve significant risks – they are highly volatile and sensitive to secondary activity. Performance is unpredictable and past performance of XLM is no guarantee of future performance. Consider your own circumstances, and obtain your own advice, before relying on this information. You should also verify the nature of any product or service (including its legal status and relevant regulatory requirements) and consult the relevant Regulators' websites before making any decision. Finder, or the author, may have holdings in the Stellar or any other cryptocurrency discussed.

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16 Responses

  1. Default Gravatar
    LLoydApril 9, 2018

    I have traded US $ for Bitcoin on Coinbase.
    I have established an account with Binance
    How do I transfer Bitcoin to Binance to buy XLM?

    • Avatarfinder Customer Care
      JoshuaApril 10, 2018Staff

      Hi Lloyd,

      Thanks for getting in touch with finder.

      You got an interesting question there, Lloyd.

      If you wish to transfer your Bitcoin to Binance, you need the go to Coinbase and select accounts. Next, choose the cryptocurrency that you want to send from your wallets. Enter your Binance address and send your Bitcoin.

      Once you have your Bitcoin on your Binance, you can now use it to buy XLM. Using Binance is pretty straightforward. So, I would say you won’t have any trouble buying XLM with your Bitcoin.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  2. Default Gravatar
    RayApril 2, 2018

    Hi. I Have some unwanted Bitcoin cash. How can I buy lumens with it?
    Where would I store the Lumens?

    • Avatarfinder Customer Care
      JoshuaApril 2, 2018Staff

      Hi Ray,

      Thanks for getting in touch with finder.

      There are different ways you can buy lumens with your Bitcoin Cash.

      First, you can sell your Bitcoin Cash and turn them into fiat money. From there, you can use your fiat money to buy lumens.

      Second, you can find an exchange that allows you to buy lumen with Bitcoin Cash. We also have a page where you will find exchanges that handle Bitcoin Cash.

      Third, buy products with your Bitcoin Cash and then sell your purchased product for fiat money. From there, you can again use your fiat money to buy lumens.

      I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

      Have a wonderful day!


  3. Default Gravatar
    RickFebruary 7, 2018

    By digital wallet, can I use my laptop or do I have to use my cell phone?

    • Avatarfinder Customer Care
      JhezFebruary 16, 2018Staff

      Hi Rick,

      Thank you for your comment.

      With digital wallets, you can actually use both a computer (laptop/desktop) and a cellphone (smartphone). Either way, you have to make sure to follow the standard security best practices when using these devices. I would encourage you to learn more about cryptocurrency wallets including, its types, how it works and even comparative wallets available in the network.

      Hope this helps.


  4. Default Gravatar
    JeffJanuary 27, 2018

    How do I transfer XLM lumens from Binance to one of your wallets?

    • Avatarfinder Customer Care
      JoshuaJanuary 27, 2018Staff

      Hi Jeff,

      Please note that we are not the developers of the wallets we feature on our site.

      To transfer XLM lumens from Binance to a wallet, you need to have your wallet’s address, copy that, and paste it on Binance. The entire process can vary from one wallet to another.

      It would also be helpful if you read our guide on Binance.

      I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

      Have a wonderful day!


  5. Default Gravatar
    JamesJanuary 27, 2018

    In Binance it doesn’t give you the option to setup your bank account. If I ever decide to sell stellar how do I get the funds? I don’t want to exchange it back to bitcoin because I will loose money.

    • Avatarfinder Customer Care
      JoshuaJanuary 27, 2018Staff

      Hi James,

      To sell Stellar, you can find someone who wants to pay you with fiat money. You can just send your bank account details for that person to pay them and simply transfer your Stellar via Binance.

      Another way for you to sell Stellar is to find an exchange that supports the coin that you have. You must also see to it that the exchange allows you to sell bitcoins. Generally, if the exchange allows you to sell, they would ask for your bank account info so the exchange can forward your money to your bank.

      Alternatively, you can use other wallets or exchanges that allow you to set up your bank account. You will find out more about that by reviewing our table found under the subheading, “Exchanges where you can buy or sell crypto with USD.”

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Joshua Infantado

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