How to Buy Monero – A Beginner’s Guide

By Alexander Reed

Last Updated: Jan 14, 2025

Fact checked

By Francesca Farrugia

Monero has gained a lot of attention due to its role as a Bitcoin alternative on the dark web. Following its success, many people are now attempting to speculate on its price. In this post, we will give you a short overview of Monero and explore the best Monero exchange options available for buying it online.

How to Buy Monero Summary

In order to buy Monero (XMR) follow these steps:

  1. Get a Monero wallet (Ledger Nano X, MyMonero)
  2. Locate your Monero address
  3. Go to Monero exchanges like Kraken and sign up
  4. Deposit money and buy XMR
  5. Withdraw your coins to your wallet

If Kraken doesn’t work out for you, here are some additional buying options:

Binance
Fiat support:
Credit/debit card, crypto, Apple Pay, Google Pay
Overall rating:
LocalMonero
Fiat support:
Yes
Overall rating:
To be reviewed
Kraken
Fiat support:
Wire, crypto, SEPA, debit/credit card, Apple Pay, Google Pay
Overall rating:

That’s how you buy Monero in a nutshell. If you want a detailed explanation of the process and Monero itself, keep on reading. Here’s what I’ll cover:

  1. What is Monero?
  2. How to buy Monero in 3 Steps
  3. Frequently Asked Questions
  4. Conclusion

1. What is Monero?

Monero falls under the category of anonymous coins – meaning a cryptocurrency that, unlike Bitcoin, can’t be publicly tracked. Within this category, you will also find two other main competitors – Dash and Zcash.

If you want a short overview of Monero, watch our Bitcoin Whiteboard Tuesday episode below:

Monero achieves pretty good anonymity through the use of several methods.

Unlinkable Stealth Addresses

Address re-usage is one of the common privacy issues of Bitcoin. Receiving multiple payments to a single address allows anyone who knows your address to track its balance and all related incoming and outgoing transactions.

What’s worse is that even separate addresses in your wallet may become linked due to the way Bitcoin handles change. For this reason, Bitcoin core developer Luke Dash Jr. said that “only a fool would use Bitcoin as it is today for darknet.”

No such privacy issues exist in Monero. All destination addresses are obscured within its blockchain so that only the sender and receiver can identify them. Analysis of the Monero blockchain will never reveal the destination address at which one receives XMR.

Instead, only a cryptographic hash of the destination, unique to each and every transaction, is visible. Only the sender or receiver can decode this to reveal the actual address. These obscured addresses are known as “stealth addresses.”

Beyond the obvious privacy benefits, stealth addresses have a number of ramifications, such as making it impossible to determine the current XMR distribution among addresses.

RingCT

The amount being sent in any Monero transaction is obfuscated by ring confidential transaction or ringCT for short. (very) Simply put, instead of broadcasting the actual amount being sent, the user transmits only a small random-looking piece of information.

This information is enough to verify that the amount being sent is legit while keeping the actual amount private.

Untraceable Ring Signature Payments

Ring Signatures are a way to obfuscate the sender’s identity in Monero. Whenever I sign an XMR transaction, additional signatures are added to my own signature so its practically impossible to distinguish who sent the transaction.

The combination of the above 3 elements makes Monero a maze of mirrors for any potential tracker. No definite linkage can be determined, only the fuzzy possibility of linkage.


2. How to Buy Monero (XMR) in 3 Steps

Step 1: Get a Monero Wallet

Ledger
Wallet type:
Hardware wallet
Supported platforms:
Desktop & mobile
MyMonero
Wallet type:
Software wallet
Supported platforms:
Web wallet
To be reviewed
Monero Core
Wallet type:
Software wallet
Supported platforms:
Desktop only
To be reviewed

The most secure way to store Monero would be on a hardware wallet. Today, the wallets that support Monero include Ledger and Trezor Model T.

Using a hardware wallet will give you the security of storing your private key (i.e., your “password” offline) while easily being able to send XMR through a desktop interface when needed. The downside is, of course, that hardware wallets cost money.

If you don’t want to use a hardware wallet, you can always use a free software wallet. I recommend using the official desktop wallet from the Monero devs.

If a lower level of privacy doesn’t concern you, the MyMonero web wallet is convenient to use and doesn’t require you to download the full Monero desktop wallet.

MyMonero is a service providing free hosted Monero accounts for those who would prefer not to run a full Monero client themselves or for those using devices with limited resources. It was developed with the assistance of the Monero Core team.

You can access your account on any device as long as you have access to your private login key. MyMonero never knows your private login key and, therefore, is unable to spend your funds without your authorization. All of the private cryptography is done locally on your device.

Finally, you can also use Exodus – a popular software wallet that supports XMR and over 100 different crypto assets. The wallet also features a built-in exchange to swap XMR for other cryptocurrencies and vice versa.

Locating your Monero address

Once you have your Monero wallet, you will need to obtain your XMR address. The address is a very long string of letters (case sensitive) and numbers that start with a “4”. Here’s an example:

46awGHmrCxk7iei4pGPxXRUmL3Xy6K7KBeY4DFTyX86d8su49r5JzC2YsPZohoF5sqCxqhGUAYV5SQ8jUp2SyvsaKmTwPE2

Step 2: Find an XMR exchange: Top Monero Exchanges

When choosing a Monero exchange, consider factors like anonymity, ease of use, and payment options to ensure the best experience for your needs.

Local Monero is a marketplace that brings together buyers and sellers where you can find a wide variety of payment options to buy Monero.

Kraken allows fiat deposits which then allow you to purchase Monero directly. This, however, requires you to go through the exchange verification process.

Another way to buy Monero is to first buy Bitcoin or Ethereum with fiat (i.e., USD, EUR, GBP) and then exchange your Bitcoin for Monero through Binance. You can buy Bitcoin with a credit card through Coinmama.

For users who wish to remain anonymous, StealthEX is a cryptocurrency exchange that lets you swap your crypto for Monero or buy Monero using your credit card. The Monero exchange supports a wide variety of cryptocurrencies which enables you to swap cryptocurrencies without going through a verification process. However, using a credit card to buy Monero with Stealthex would require you to get verified.

Additional options for trading Bitcoin or Ethereum for Monero include the following exchanges: Bitfinex (no longer accepts US customers), HitBTC, Poloniex, Bithumb, and Bittrex.

Step 3: Withdraw your coins

Once you’ve bought your Monero from the selected exchange, make sure to move it into your own wallet. Never leave your coins on an exchange, as it puts them out of your control.

Once the coins hit your wallet, you’ve successfully finished the process of buying Monero.


4. Conclusion

The majority of cryptocurrencies are only good for speculation. Monero is one of the few I feel comfortable holding over the long term. Monero has proven itself to be both useful and (despite some of its uses) legitimate.

Out of all 3 leading anonymous coins, Monero seems to have the upper hand when it comes to technology and adoption.

Selecting a reliable Monero exchange is key to ensuring a smooth and secure buying process. Platforms like Kraken, Binance, and Local Monero are excellent options, depending on whether you prioritize ease of use, anonymity, or advanced trading tools.


3. Frequently Asked Questions

How to Buy XMR on a Monero Exchange like Kraken?

Can you Buy Monero with a credit card?

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Disclaimer
Crypto is a high-risk asset class. This article is provided for informational purposes and does not constitute investment advice. You could lose all of your capital.
99Bitcoins may receive advertising commissions for visits to a suggested operator through our affiliate links, at no added cost to you. All our recommendations follow a thorough review process.
Alexander Reed
Alexander Reed
Editor

Having delved into futures trading in the past, my intrigue in financial, economic, and political affairs eventually led me to a striking realization: the current debt-based fiat system is fundamentally flawed. This revelation prompted me to explore alternative avenues, including... Read More

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