eToro: US access, fees and limits.

Where can you use it?

United States

Crypto trading is unavailable in Nevada, Hawaii, Puerto Rico and the US Virgin Islands. The platform is unavailable in American Samoa and Guam. New York crypto access launched in April 2026; its available assets may differ.

United Kingdom

UK crypto access is supported, subject to an appropriateness assessment and customer categorisation. UK retail crypto CFDs, short positions and leverage are restricted.

What does trading cost?

The US fee page lists a 1% commission on each crypto purchase and each sale. Transfers and other services can incur additional charges. UK fees must be checked separately.

Review the provider’s execution preview before you confirm. A quoted commission does not necessarily include every spread, payment or withdrawal cost.

Strengths and limits

Useful features

• US crypto access documented in 48 states
• Stocks, ETFs and crypto in one platform
• US crypto trading commission published separately

What to check

• Crypto unavailable in Nevada and Hawaii, Puerto Rico and the US Virgin Islands
• Available coins vary by jurisdiction
• US XRP purchasing has not been conclusively verified

Can US users buy XRP?

We have not conclusively verified US XRP purchases for this provider. Check its US asset list; we do not include it in the US XRP buying shortlist.

Keep the trade and transfer records

Download acquisition, disposal and fee records in addition to any broker tax statement. A transfer into the platform can leave it without your original cost basis.

eToro practical guides

• Opening and securing an account
• US crypto trading costs
• Finding the right support channel
• Preparing US tax records

From account setup to your first withdrawal

Establish access before sending money

Start on the official eToro website and select your actual country and residence. Complete the identity and address checks requested for your account. Do not treat the availability of an app in a store as proof that your residence, asset and funding method are supported. Check the asset’s trading and withdrawal screens separately: these capabilities can have different conditions.

Secure your email account as well as the exchange login. Use a unique password and the strongest authentication method offered for your account. Save recovery codes offline. A support message, search advertisement or social-media direct message should not become your route into the account; return to the official app or bookmarked domain.

Choose the trading interface deliberately

Check the product description in your US account, rather than importing terms from eToro’s international investment products. Confirm that you are buying the crypto asset you intend to hold and whether it can be transferred to an external wallet. Do not assume that every position has the same transfer rights.

For a market order, compare the estimated quantity and total cash debit. For a limit order, check what happens if only part of the amount fills, and keep track of any remaining open order. A displayed last-trade price is a reference: the effective price of your own execution can differ. Review the fee and quantity on the completed trade receipt.

Check the amount available to withdraw

A purchase may be tradable while its funding is still subject to a withdrawal hold. A visible balance therefore does not guarantee that the same amount is available to send. Read the account’s available-to-withdraw amount and release information before arranging a transfer. Changing a password or security setting can also affect withdrawal access.

For XRP, select the native XRP Ledger network supported by the receiver. Inspect the receiving address and follow the receiver’s destination-tag instructions exactly. A custodial deposit often uses a tag to allocate a shared address to your account. An omitted or incorrect tag can require a recovery process. For a new self-custody account, check the current reserve and the device’s own setup instructions.

Send a small test amount when practical, wait for the receiving wallet or service to acknowledge it, then inspect the final transfer details before sending the remainder. Keep the exchange withdrawal receipt and the public transaction hash together. An exchange transfer record alone does not establish the original acquisition cost.

When another route may fit better

If your aim is long-term self-custody, compare native-network withdrawal support and recovery planning alongside trading costs. If you make frequent trades, inspect order-book features and the fee tier applying to your actual volume. If you only need a simple occasional purchase, compare the final quote with the extra operational work of using an advanced interface.

Keep exchange and wallet decisions separate. Holding on an exchange leaves the account under the provider’s access controls. A hardware wallet changes who controls the signing keys and puts recovery responsibility on you. Neither choice removes market risk, and a hardware wallet does not reverse a transfer authorized to the wrong destination.

If funding or a transfer fails

Record the date, currency, amount, funding reference and transaction identifier. Check whether the problem concerns a bank payment, an unfilled order or a crypto withdrawal; they require different evidence. Reach support through the authenticated account or official support page. Never give a caller remote access, a recovery phrase or funds to “unlock” a balance.

For a crypto deposit, compare the actual network, destination address, tag and transaction status with the receiver’s instructions. A validated ledger transaction and a credit to a platform account are separate events. Keep the original records while the provider investigates, and avoid repeatedly submitting transfers to troubleshoot an unresolved destination.