xmrhubHome › Buy Monero
How to buy Monero — no account, no KYC
Monero (XMR) is the leading privacy cryptocurrency. Since major exchanges started removing XMR from the EU, many people ask: where and how do I even buy Monero in 2026? Here's the honest, up-to-date guide.
Why buying Monero has become harder
Under EU regulation (MiCA and, from 2027, the anti-money-laundering regulation), licensed exchanges must remove privacy coins. Kraken, Coinbase, Bitstamp and others have already delisted XMR in the EU. What's affected is regulated exchange trading — not self-custody or non-custodial swaps. Our delisting tracker shows which exchanges still list it.
The ways to get Monero
- Non-custodial swap (recommended, fastest): swap another cryptocurrency for XMR — no account.
- Peer-to-peer (e.g. Bisq, Haveno): directly between users, more effort.
- In-wallet swap: some wallets offer swaps directly.
- With fiat (euro): by card/SEPA via an onramp — here verification is mandatory.
Swap for Monero — step by step
- Prepare a wallet: create your own Monero wallet (see the wallet guide) and copy your XMR receiving address.
- Pick pair & amount: in the widget enter the source currency (e.g. BTC) and the amount — the XMR rate appears instantly.
- Enter your address: provide your XMR address (optionally a refund address).
- Send & receive: send your coins to the deposit address — the rest runs automatically, your Monero lands straight in your wallet.
Swap for Monero in minutes — non-custodial, no account.
Swap Monero ›What does it cost? Fees & rate
For a swap, the displayed rate already includes all fees of the liquidity partner and the network fee — you see upfront what arrives. Optionally you can reserve a fixed rate so the amount doesn't change during payment.
Is buying Monero legal?
Yes. Owning, self-custody and non-custodial swapping of Monero are legal in Germany, Austria and Switzerland. It's licensed exchanges that are regulated, not the usage itself. This is not legal or investment advice.
FAQ
Yes — swapping crypto to XMR needs no verification. Only buying with euro requires legally mandated verification with the payment partner.
No, only your own Monero wallet address.
Usually a few minutes, depending on network confirmations.
Read more
Status: continuously maintained. xmrhub is an independent, non-custodial service and never takes custody of funds. Not investment, tax or legal advice.