There is an important distinction between the XRP network fee and the XRP exchange withdrawal fee. The network fee is always 0.00001 XRP. Exchange withdrawal fees are much higher and set at each exchange's discretion.
Network Fee vs Exchange Withdrawal Fee
- XRP network fee: 0.00001 XRP — fixed by the XRPL protocol
- Exchange withdrawal fee: typically 0.1 XRP to 1 XRP — set by each exchange
Why Exchanges Charge More Than the Network Fee
Exchanges cover their operational costs partly through withdrawal fees. They batch transactions, maintain hot and cold wallets, and handle customer support for lost funds — all of which cost money. The withdrawal fee is therefore a service charge, not just a network relay fee.
Binance XRP Withdrawal Fee
Binance charges approximately 0.1–0.25 XRP per withdrawal as of 2026. This is still extremely low in dollar terms — less than $0.50 at most XRP prices — but it is thousands of times higher than the bare network fee.
Coinbase XRP Withdrawal Fee
Coinbase typically charges around 0.1–1 XRP for XRP withdrawals. Coinbase fees can vary based on network conditions and their internal fee schedule, which they update periodically.
Kraken XRP Withdrawal Fee
Kraken charges approximately 0.02 XRP per withdrawal, making it one of the cheapest major exchanges for XRP withdrawals. Always verify the current fee on the Kraken fee schedule page before initiating a withdrawal.
Tips to Minimize XRP Fees
- Compare exchange withdrawal fees before choosing a platform
- Consolidate small balances before withdrawing to pay the fee only once
- Use on-chain XRP transfers when possible — the network fee is near zero
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