How to Buy Stellar (XLM)
Every exchange we track that lists XLM, what the buy costs, and what it costs to take XLM with you afterwards.
43 of the exchanges we track list XLM, and 34 of those accept fiat, so you can buy it without holding crypto first. The cheapest place to place the order is Bitfinex at $0.00 on a $1,000 market buy. It is also the cheapest once the withdrawal fee is added — $0.00 to buy $1,000 of XLM and move it to your own wallet. XLM moves over 5 networks (Stellar, BNB Smart Chain (BEP20), Cronos and others) — pick the same one on the exchange withdrawal screen and in your wallet. 4 of them have XLM withdrawals paused right now — you can buy there, but you cannot take the coin with you until it reopens.
Networks XLM runs on
Where to buy XLM
All-in cost is the trading fee on a $1,000 market buy plus the cheapest fee that exchange charges to withdraw XLM. It is the number the exchange’s own “how to buy” page never shows you, and it reorders the table more often than not. The coins column is how many assets each exchange lists in total, from our own sync — not the figure CoinMarketCap prints.
| Exchange | Buy fee on $1,000 | Move it out | All-in cost | Coins listed | Buy |
|---|---|---|---|---|---|
 MEXCReferralPay with Card | $0.500–0.05% taker | $0.021910.1000 XLM · Stellar | $0.52 | 9,475 | Visit ↗ |
 OKXReferralPay with Card | $1.000.1% taker | $0.0₅21910.0₄1000 XLM · Stellar | $1.00 | 411 | Visit ↗ |
 BinanceReferralPay with Card, Bank, Apple/Google Pay | $1.000.1% taker | $0.00087620.004000 XLM · Stellar | $1.00 | 866 | Visit ↗ |
 BitgetReferralPay with Card, 3rd-party | $1.000.1% taker | $0.0043810.02000 XLM · Stellar | $1.00 | 2,516 | Visit ↗ |
 GateReferralPay with Card | $1.000.1% taker | $0.060240.2750 XLM · Stellar | $1.06 | 2,059 | Visit ↗ |
 BitfinexPay with Bank, 3rd-party | $0.000% taker | FreeStellar | $0.00 | 106 | Visit ↗ |
 KCEXPay with Card, 3rd-party | $0.000% taker | $0.0021910.01000 XLM · Stellar | $0.00 | 908 | Visit ↗ |
 OurbitPay with Bank | $0.000% taker | $0.021910.1000 XLM · Stellar | $0.02 | 1,980 | Visit ↗ |
 DeribitCrypto deposit only | $0.500–0.05% taker | FreeStellar | $0.50 | 50 | Visit ↗ |
 Delta ExchangeCrypto deposit only | $1.000–0.1% taker | FreeStellar | $1.00 | 170 | Visit ↗ |
 WhiteBITPay with Card | $1.000.1% taker | $0.00087620.004000 XLM · Stellar | $1.00 | 423 | Visit ↗ |
 FameEXPay with Card, Apple/Google Pay, 3rd-party | $1.000.1% taker | $0.0021910.01000 XLM · Stellar | $1.00 | 115 | Visit ↗ |
 PionexPay with Card, P2P | $1.000.05–0.1% taker | $0.0043810.02000 XLM · Stellar | $1.00 | 206 | Visit ↗ |
 BitunixPay with P2P | $1.000.1% taker | $0.0076670.03500 XLM · Stellar | $1.01 | 993 | Visit ↗ |
 BYDFiCrypto deposit only | $1.000.1% taker | $0.021910.1000 XLM · Stellar | $1.02 | 101 | Visit ↗ |
 ToobitPay with Card, Apple/Google Pay, 3rd-party | $1.000.1% taker | $0.17520.8000 XLM · Stellar | $1.18 | 581 | Visit ↗ |
 Biconomy.comPay with Card, P2P, 3rd-party | $1.000.1% taker | $0.26291.2 XLM · Stellar | $1.26 | 990 | Visit ↗ |
 WEEXPay with Card, P2P | $1.000.1% taker | $0.43812 XLM · Stellar | $1.44 | 594 | Visit ↗ |
 KuCoinPay with Card | $1.000.1% taker | $0.48412.21 XLM · Stellar | $1.48 | 2,147 | Visit ↗ |
 CoinWPay with Card, Apple/Google Pay, 3rd-party | $1.000.1% taker | $0.48412.21 XLM · Stellar | $1.48 | 1,218 | Visit ↗ |
 bitFlyerPay with Card, Bank | $1.500.01–0.15% taker | FreeStellar | $1.50 | 26 | Visit ↗ |
 CoinExPay with P2P, 3rd-party | $2.000.2% taker | $0.0021910.01000 XLM · Stellar | $2.00 | 1,018 | Visit ↗ |
 HTXPay with Bank, P2P | $2.000.2% taker | $0.0043810.02000 XLM · Stellar | $2.00 | 1,159 | Visit ↗ |
 HotcoinPay with 3rd-party | $2.000.2% taker | $0.0043810.02000 XLM · Stellar | $2.00 | 643 | Visit ↗ |
 DigiFinexPay with Card, P2P | $2.000.2% taker | $0.021910.1000 XLM · Stella | $2.02 | 1,009 | Visit ↗ |
 HibtPay with P2P | $2.000.2% taker | $0.024100.1100 XLM · BNB Smart Chain (BEP20) | $2.02 | 1,721 | Visit ↗ |
 KTXCrypto deposit only | $2.000.2% taker | $0.65723 XLM · Stellar | $2.66 | 220 | Visit ↗ |
 BitruePay with Card | $2.800.098–0.28% taker | $0.010950.05000 XLM · Stellar | $2.81 | 1,784 | Visit ↗ |
 LBankPay with 3rd-party | $1.000.1% taker | $2.1910 XLM · Stellar | $3.19 | 1,890 | Visit ↗ |
 XT.COMPay with Card, Bank, P2P | $2.000.2% taker | $1.235.6 XLM · Stellar | $3.23 | 1,110 | Visit ↗ |
 Crypto.com ExchangePay with Bank | $5.000.5% taker | $0.00021910.001000 XLM · Cronos POS | $5.00 | 462 | Visit ↗ |
 KrakenPay with Card, Bank, Apple/Google Pay | $8.000.01–0.8% taker | $0.00021910.001000 XLM · Stellar | $8.00 | 697 | Visit ↗ |
 Gleec BTCCrypto deposit only | $2.500.25% taker | $8.6439.44 XLM · Stellar | $11.14 | 136 | Visit ↗ |
 BTCCPay with Card, Bank, P2P | $3.000.3% taker | $9.1341.6625 XLM · BNB Smart Chain (BEP20) | $12.13 | 250 | Visit ↗ |
 HitBTCCrypto deposit only | $2.500.1875–0.25% taker | $12.2455.89 XLM · Stellar | $14.74 | 1,786 | Visit ↗ |
 WOO XPay with Apple/Google Pay | — | $0.21911 XLM · Stellar | — | 95 | Visit ↗ |
 WOO X ProCrypto deposit only | — | $0.21911 XLM · Stellar | — | 95 | Visit ↗ |
 4ECrypto deposit only | — | $1.105 XLM · BNB Smart Chain (BEP20) | — | 217 | Visit ↗ |
 Mandala ExchangeCrypto deposit only | — | $9.8444.9 XLM · Stellar | — | 319 | Visit ↗ |
 BlockfinexPay with Card, Bank, Apple/Google Pay | $1.000.1% taker | withdrawals paused | — | 69 | Visit ↗ |
 BitMartPay with Card, P2P, 3rd-party | $1.000.1% taker | withdrawals paused | — | 3,695 | Visit ↗ |
 WHXEXCrypto deposit only | $1.500.15% taker | withdrawals paused | — | 235 | Visit ↗ |
 KoinbayCrypto deposit only | $6.000.6% taker | withdrawals paused | — | 253 | Visit ↗ |
Showing 1–43 of 43 exchanges listing XLM
Buying XLM step by step
- Pick a venue from the table. For a coin this size the choice is usually short — 43 exchanges list XLM at all, and the table already shows what you will pay to leave as well as to buy.
- Fund the account. 34 of those exchanges take fiat, 22 of them by card. Card is fastest and dearest; a bank transfer costs a fraction of it. Depositing a stablecoin you already hold is free on almost every exchange here.
- Place the order. A market order pays the taker fee in the table; a limit order that rests on the book pays the lower maker fee. On a thinly traded coin the spread costs more than either, so a limit order is worth the wait.
- Decide whether to move it. Leaving XLM on the exchange is free but custodial. Moving it to a wallet that supports it costs one withdrawal fee — send a small test amount first, and match the network on both sides.
How to buy XLM — FAQ
Where can I buy Stellar (XLM)?
On 43 exchanges we track: MEXC, OKX, Binance, Bitget, Gate and 38 more. The table above has each one with its trading fee, the payment methods it takes and what it charges to withdraw XLM.
What is the cheapest way to buy XLM?
Bitfinex, at $0.00 to buy $1,000 of XLM and withdraw it — $0.00 in trading fee plus $0.00 to move it out over Stellar. If you are leaving the coin on the exchange, only the first half applies and a different venue may win. Paying by card adds the card processor's charge on top of both, typically 1.8–4%.
Can I buy XLM with a credit card?
Indirectly, yes. 22 of the exchanges listing XLM accept a card, but the card almost always buys a major asset — USDT, USDC, BTC — which you then swap for XLM on the same exchange. That means two fees: the card charge, then the trading fee in the table.
Do I have to pay a fee to withdraw XLM?
Every exchange charges one, as a flat amount of XLM per network rather than a percentage. We do not have a priced figure for all of the venues listing XLM yet — the XLM withdrawal fee page has whatever each exchange publishes.
Is it safe to leave XLM on the exchange?
It is a custody choice, not a safety switch. While the coin sits there the exchange holds the keys: convenient, recoverable if you lose your password, and dependent on the exchange staying solvent and keeping withdrawals open. Moving it to a wallet you control removes that dependency and costs one withdrawal fee. For a trading balance, staying put is reasonable; for a long hold, most people move.
Which network should I use for XLM?
XLM is issued on 5 networks and they are not interchangeable — XLM sent over Stellar will not arrive at an address on BNB Smart Chain (BEP20). Stellar is the one most exchanges use (35 of them). Withdrawal fees differ per network too, sometimes by an order of magnitude, so the cheapest network is worth checking as well as the cheapest exchange.
Exchange coverage for XLM comes from each exchange’s own deposit and withdrawal endpoints (last sync 2026-08-29 00:53 UTC); trading fees are the published base tier, no volume discount applied (verified 2026-08-28). Exchanges we have a referral arrangement with appear first and are tagged as such — it changes no number in any row. Nothing here is investment advice; see our methodology.