XRP is the native coin of the XRP Ledger, a network that settles payments in 3 to 5 seconds for a fee of a tiny fraction of a cent. It is offered at fewer casinos than Bitcoin or USDT, and it has one rule that causes most failed deposits: the destination tag. This page explains how XRP casino payments work, where they are accepted, and how to avoid losing a deposit to a missing tag.

Casinos That List XRP

XRP rarely appears as a separate cashier entry in our stored payment terms. Instead, 15 reviewed casinos that accept Australians list XRP among their supported cryptocurrencies, and Cosmobet lists Ripple as a withdrawal method. The table shows the highest-rated of them, ordered by our rating. Confirm that XRP is enabled for both deposits and withdrawals in the cashier before sending.

XRP Payments at a Glance

Feature	Detail
Ledger close time	About 3 to 5 seconds
Casino credit time	Usually under 5 minutes
Network fee	Minimum 0.00001 XRP (10 drops) per transaction
Address format	Starts with “r”, 25 to 35 characters
Destination tag	A number identifying your casino account; required by almost every casino
Account reserve	1 XRP must stay in any XRP Ledger account (since December 2024)
Reversibility	None

What the Destination Tag Does

Casinos usually receive XRP into one shared address for all players. The destination tag is a number of up to 10 digits that tells the casino’s system which player account to credit. Without it, the XRP reaches the casino’s wallet but isn’t matched to you.

• Missing tag: the deposit is not credited automatically. Support may credit it manually if you supply the transaction hash, but this can take days and isn’t guaranteed.
• Wrong tag: the deposit may be credited to another player’s account. Recovery depends entirely on the casino.
• Exchange wallets: some exchange withdrawal forms label the field “Memo” or “Tag”. It is the same thing.

The same rule applies in reverse. When you withdraw XRP to an exchange, the exchange gives you a deposit address and a tag. Enter both in the casino’s withdrawal form.

Deposit Steps

1. Buy XRP with A$ on an Australian exchange registered with AUSTRAC.
2. In the casino cashier choose XRP (sometimes shown as Ripple). Copy the “r” address and the destination tag separately.
3. On the exchange, select the XRP Ledger network (not a wrapped XRP token on another chain). Paste the address into the address field and the tag into the tag or memo field.
4. Check the amount after fees is above the cashier minimum.
5. Send. The ledger confirms in seconds; the casino balance normally updates within a few minutes.

Our crypto deposit guide shows typical cashier layouts.

Costs of an XRP Deposit from Australia

Cost	Typical size	Who sets it
Exchange deposit by PayID or bank	Usually free	Exchange
Buying XRP	0.1% to 1% fee or spread	Exchange
Exchange withdrawal fee	Fixed amount of XRP, often a fraction of 1 XRP	Exchange
Network fee	0.00001 XRP minimum	XRP Ledger
Casino deposit fee	None listed at the casinos above	Casino

Because the network fee is negligible, XRP suits small deposits once you hold the coin. The bigger cost is converting A$ to XRP and back, plus any price movement in between.

Common XRP Deposit Errors

• Tag pasted into the address field. Some exchanges accept an “X-address” that combines address and tag; most casinos show the classic “r” address plus a separate tag. Keep them in separate fields.
• Old tag reused. Some casinos assign a new tag per deposit. Copy it fresh each time.
• Wrong asset. RLUSD and other tokens issued on the XRP Ledger use the same addresses. Send XRP itself unless the cashier lists the token.

The 1 XRP Reserve

Every account on the XRP Ledger must hold a minimum balance, the base reserve. Validators lowered it from 10 XRP to 1 XRP in December 2024, and each owned object such as a trust line adds 0.2 XRP. This matters only if you use a self-custody XRP wallet: a new wallet isn’t active until it receives at least 1 XRP, and you can’t send the reserved amount. If you withdraw from a casino to a brand-new personal wallet, the payout must be at least 1 XRP to activate it. Exchange deposit addresses are already active.

Withdrawing XRP

• Complete identity verification first; see our KYC guide.
• Enter the receiving address and destination tag exactly. A personal wallet usually doesn’t need a tag; an exchange does.
• Stated crypto processing times at the casinos above range from about an hour (Wild Tornado, Playfina) to 48 hours (HellSpin). Network time is seconds.
• Check whether XRP is listed as a withdrawal option. Where it isn’t, the casino will pay in another coin or method.

The full process is described in how to withdraw crypto, and payout speeds by method are compared on our fast withdrawals page.

Risks and Tax

• Volatility: XRP is not a stablecoin. Its price rose by more than 400% in the 30 days to early December 2024, and falls of similar speed have occurred. A balance held in XRP carries that exposure.
• Wrapped tokens: “XRP” on BNB Smart Chain or other networks is a separate token with a “0x” address. It can’t be sent to an XRP Ledger address.
• Tax: the ATO treats crypto as a CGT asset. Spending, selling or swapping XRP is a disposal, so depositing XRP that has gained value can produce a capital gain. Recreational gambling winnings are generally not taxed; see the gambling tax guide.

XRP vs Other Fast Coins

Coin	Settlement	Extra field needed	Casino availability
XRP	3 to 5 seconds	Destination tag	Moderate
Solana	Seconds	None	Limited
Tron (TRX)	About 3 seconds per block	None	Moderate
Litecoin	2.5-minute blocks	None	Wide

For crypto-focused casinos ranked by our rating, see the crypto casino list. Every other payment option is compared on the payments hub.

Frequently Asked Questions

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