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Buy Stellar Lumens (XLM) with Credit or Debit Card Online Instantly
Looking to buy Stellar (Lumens)? Changelly makes it a breeze! Our crypto exchange platform accepts credit cards, debit cards, wire transfers, and other payment methods, so investing in cryptocurrencies has never been easier. With over 500 digital assets available, including Stellar (XLM), Binance Coin, and USD Coin, you can buy and sell coins with a super low fee, using fiat currencies like Euro, Dollar, and more. Our secure platform ensures your crypto transactions are safe, and our friendly customer support team is available round-the-clock to assist you whenever you need.
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updated at 16:01How to buy Stellar in 5 Easy steps
Set the pair
Select the crypto you’d like to purchase, the fiat currency you want to buy crypto with, and your country of residence. Look through the best offers and choose the one that suits you most.
Enter your crypto wallet address
Fill in the required wallet address details in the entry field.
Verify your identity
Verify your identity with our providers to buy crypto without any hurdles. This will help to make sure no one but you uses or changes your payment information.
Confirm your payment
Follow the instructions on the screen and confirm your payment. Your purchased cryptocurrency will arrive in your crypto wallet soon.
Changelly always works hard to provide our users with the best possible purchasing experience. Buying XLM on our platform is intuitive and fast. We are proud to say that over 2 million users trust us with their funds, and we hope that your time with us will be great, too.
Payment methods to buy Stellar
Bank transfer
A bank transfer is a secure option to buy cryptocurrency, especially if you are thinking of purchasing large amounts of virtual currency. Keep in mind that bank transfers may take a little longer, and fees may vary.
Apple Pay and Google Pay
Apple Pay and Google Pay are the quickest ways to buy XLM with a credit or a debit card from your iOS or Android device.
Credit or Debit Card
Credit or debit card payment is one of the effortless ways to buy XLM and other cryptocurrencies in a fast and secure manner. With Changelly, you can use a Visa or a Mastercard credit card issued in your local currency.
UKFP
Faster Payments is a speedy payment method that allows residents of the United Kingdom to send payments in their local currency without incurring any additional exchange charges.
Buy Stellar Without Any Hassle
Purchase your crypto with any payment method that suits you best. Start buying with as little as 30 USD or your local currency equivalent.
Why buy Stellar on Changelly?
Secure
We take a comprehensive security approach to ensure your crypto investments and identity are safe. We provide quick crypto purchases to more than 2.6 million users every month.
24/7 support
Got any questions? We've got all the answers. Changelly offers personal support to each and every user. We are here to help you 24/7 with any challenges that you might face using our services.
Fast
Get any of the 500+ supported cryptocurrencies in mere minutes with just a few clicks and at the best rates on the market.
All premium offers in one spot
We aggregate crypto offers from a variety of fiat payment providers so that you can always find the very best one.
FAQ
What are the fees to buy Stellar?
Fiat transaction fees often change on the side of our fiat providers since they are a dynamic value that depends on the market conditions and the competitive environment in the fiat aggregator. You can always check the commission via our support or a particular provider. Nonetheless, it's generally between 5% and 11%.
In which countries can I purchase Stellar with a credit card?
You can purchase cryptocurrency with a credit card if your card issuer and payment network allow this transaction type in a particular region.
However, some issuing banks have their own terms regarding where and when those cards can be used and may decline transactions on their side. Depending on internal politics in regard to cryptocurrency operations, services may be limited in some countries.
Which credit cards are accepted for crypto purchases?
Our fiat provider partners accept most major credit cards, including Visa and MasterCard. Some virtual, prepaid, and debit cards are also accepted. However, some issuing banks have their own terms regarding where and when those cards can be used and may decline the charge on their side.
Please note that depending on internal politics in regard to cryptocurrency operations, services may be limited in some countries.
How long does it take to process XLM purchase transactions made via credit cards?
The transaction processing time for purchases depends on the issuing bank running your transaction. Basically, GBP and USD transfers are usually processed within 1 working day, and EUR transfers are processed within 1 to 3 working days.
What types of bank transfers are supported for crypto purchases?
Our fiat provider partners offer a number of ways for you to complete your cryptocurrency purchase.
Crypto purchases are available via the following bank transfer types:
- SEPA – for bank transfers made in Europe
- Interac – for bank transfers made in Canada
- Pay ID – for bank transfers made in Australia
- Faster Payments – for bank transfers made in the UK
- Wire Transfer – for bank transfers in the USA
Please note that not all the methods are available globally, so please check and confirm whether you have access to a specific payment method.
How long does it take to process crypto purchase transactions via bank transfer?
The time to process your order can vary due to several factors:
- The chosen payment method
- Whether this is your first order with a particular provider
- Blockchain network load
Bank transfer orders that are executed smoothly generally take from 30 minutes to 5 business days to be completed.
However, some aspects of the process are outside of our or our provider's control — namely, delays caused by your chosen payment method and external compliance checks.
What should I do if Changelly does not support the national currency of my country?
You can try to purchase crypto with your bank card and choose USD or EUR as a fiat currency instead of your local currency. Your local currency will be converted to USD or EUR at the rate of your bank.
Alternatively, you can issue a credit card in USD or other supported fiat currency and try to purchase crypto with it.
How to buy Stellar privately?
On Changelly, you can purchase Stellar and over 500 cryptocurrencies anonymously. This means that our platform requires no registration and no verification for crypto purchases so that you can buy XLM crypto securely, without being tracked.
Please note
The option to buy cryptocurrencies privately depends on various factors, including the volume of your transaction.
While it’s possible to buy cryptocurrency anonymously, taking appropriate precautions can help ensure a more secure transaction.
Do I need an ID to purchase Stellar?
Changelly partners with Simplex, MoonPay, and Banxa for fiat-to-crypto transactions. These providers enable you to use your credit card or debit card as well as such payment options as Apple Pay, Google Pay, or bank transfer.
You can invest in Stellar crypto with an easy verification process or no verification at all, depending on the amount of your crypto purchase. For some XLM transactions, our providers might require you to pass the KYC check with the easiest ID verification to buy cryptocurrency.
Can I buy Stellar without passing the KYC verification on Changelly?
Simplex and MoonPay, our providers for fiat-to-crypto transactions, allow buying cryptocurrency without a verified ID. Only card details should be enough if the Stellar purchase amount is below a certain point. Yet, they might still demand you to pass the KYC check with an easy and quick verification process.
If you opt to purchase XLM cryptocurrency through Banxa, they will require you to comply with their KYC requirements, no matter the size of the crypto purchase.
How to buy large amounts of Stellar on Changelly?
For larger volume deals, instant cryptocurrency exchange Changelly launched the crypto OTC platform.
OTC stands for over-the-counter trading, which is done directly between two parties without the supervision of an exchange. You will be assisted by an individual crypto OTC broker with whom you will be able to discuss all the details and conditions of the deal.
Changelly has acquired an impressive number of reliable partners and liquidity providers supporting OTC transactions at the best rates possible.
Why Buy Stellar?
Speaking about buying Stellar Lumens (XLM), there are a few key reasons why people choose to invest in this cryptocurrency.
Stellar XLM offers fast and low-cost transactions, making it an attractive choice for those who value efficiency and affordability.
Stellar's system allows for seamless cross-border transactions and has partnerships with major financial institutions, enhancing its potential for widespread adoption.
Stellar (Lumen, XLP) has a strong focus on financial inclusion and aims to provide banking services to the unbanked population, making it a socially impactful investment opportunity.
Is Stellar Better than Bitcoin?
Stellar and Bitcoin are both popular blockchain networks, but they serve different purposes and have distinct characteristics. While Bitcoin is widely known as a decentralized digital currency, Stellar is a decentralized platform that facilitates the transfer of various assets, including cryptocurrencies and fiat currencies.
Regarding the consensus algorithm, Stellar (XLM) utilizes a unique mechanism known as the Stellar Consensus Protocol (SCP), which is faster, cheaper, and more energy-efficient than the Proof of Work (PoW) algorithm used by Bitcoin. SCP allows for quicker transaction confirmations and lower fees on the Stellar network compared to the often slower and more costly transactions on the Bitcoin blockchain.
Additionally, the energy consumption required for Stellar's consensus mechanism is significantly lower, making it a greener blockchain technology. It is important to note that the investment and usage choice between Stellar (XLM) and Bitcoin (BTC) ultimately depends on the specific needs and goals of the user.
Got any questions about the XLM purchase on Changelly?
We tried to gather all the necessary information about the XLM purchase on this page. Yet, the crypto world can be darned confounded. If you still have questions, check out the FAQ page or contact our support team 24/7.
Keep your Stellar safe and sound
If you are searching for the best cryptocurrency wallets for your favorite coins, look no further! Whether you are a crypto pro or just starting out, these wallets might be a good option for crypto storage.
Integrating Changelly services into Trezor Wallet's exchange has been a great success for all parties, especially the users. Working with Changelly is a pleasure, thanks to their professional and courteous approach.
Changelly is the best option for users to access the most cost-savvy rates
With Changelly's stellar team, we have developed a unique system to ensure exchanges are fulfilled in the fastest possible time and with immediate customer support.
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What is Stellar?
Stellar is a payment and asset issuance network that is open-source and optimized for efficiency. It allows users to create, send, and trade digital representations of various forms of value, including currencies, assets, and more. The aim is to enable seamless interoperability between different financial systems worldwide on a single network.
Stellar is a public network that does not have a single owner. Instead, it is collectively owned by the public. The software operates on a decentralized and open network, enabling it to handle millions of transactions daily. While it utilizes blockchain technology like Bitcoin and Ethereum to maintain network integrity, the user experience on Stellar is more akin to using cash. This means that transactions on Stellar are faster, cheaper, and more energy-efficient compared to traditional blockchain-based systems.
For an end-user, Stellar is a quick, efficient platform for trading, saving, and spending digital assets. For builders and financial institutions, it’s open financial infrastructure. Anyone can access Stellar and the digital assets living on the network; there’s no permission or application needed, because Stellar is open-source. The Stellar network also provides for asset issuance on top of it.
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How Does Stellar Network Work?
The Stellar Development Foundation, a non-profit company based in the U.S., guides and supports the ongoing development of Stellar technology. It maintains the codebase, supports the Stellar community, and engages with regulators and institutions.
Stellar works by using an immutable ledger to track ownership. It employs a network of independent nodes (computers) that verify and update the ledger every five seconds. This is made possible by the Stellar Consensus Protocol (SCP), which achieves consensus through Proof-of-Agreement (PoA). SCP is configurable, fast, and energy efficient. Account holders' balances and operations are stored on the ledger and broadcasted to the network, with nodes running Stellar's core software to publish and check the ledger.
What Are Stellar Lumens?
Stellar was created to facilitate digital representations of various currencies, and it also has its own unique token called the Lumen (XLM). The Lumen performs a specific function within the network. According to Stellar's design, every account is required to maintain a small quantity of lumens at all times. There are about 50 billion Lumens (XLM), total, in existence, and no more XLM tokens will be created. The current market cap of Stellar Lumens is nearly $3B. A high market cap suggests that the crypto asset is one of the most popular cryptocurrencies at the market.
Who Created Stellar?
Stellar Lumens (Stellar Coin or XLM Token), was created by Jed McCaleb and Joyce Kim in 2014. McCaleb, a renowned programmer and entrepreneur, is also the co-founder of Ripple and the creator of the infamous file-sharing platform, eDonkey. Alongside Kim, a former lawyer and entrepreneur, they developed Stellar as a decentralized payment protocol and cryptocurrency designed to facilitate fast, secure, and low-cost cross-border transactions. The project gained significant attention and support, eventually leading to the establishment of the Stellar Development Foundation (SDF) to oversee its growth and adoption.
Stellar Ecosystem
The Stellar (Lumens) ecosystem is home to a variety of projects that aim to enhance and expand the capabilities of the Stellar network. Some prominent projects include:
Stellar Decentralized Exchange, also known as Stellar DEX, is a cryptocurrency exchange built on the Stellar network. It allows users to trade Stellar, the project’s native cryptocurrency, as well as Stellar-based crypto assets, such as tokens and digital currencies, in a decentralized manner. Unlike centralized exchanges, which are controlled by a single entity, this Stellar exchange operates on a distributed network of nodes, ensuring transparency and security. Users can directly trade with each other without the need for an intermediary, making it a peer-to-peer exchange.
Tempo is a global payment network that leverages the Stellar blockchain to provide instant and cross border transactions with the lowest fees.
DSTOQ is a licensed securities exchange that utilizes Stellar's blockchain technology to tokenize traditional securities, such as stocks and bonds. This allows global investors to access these assets with low entry barriers and enables fractional ownership.
Cowrie is a micropayments platform built on Stellar, focusing on facilitating financial inclusion in emerging economies. It enables individuals to send and receive small amounts of money easily, promoting economic growth and financial empowerment.
How Is Stellar Lumen's Market Price Determined?
The market price of Stellar Lumens (XLM), like any other crypto asset, is determined by a combination of supply and demand dynamics in the market.
Factors such as the level of interest from investors, the trading volume on various exchanges, news and events that impact the overall sentiment towards cryptocurrencies, and the overall health of the blockchain ecosystem can all influence the Stellar price.
Market participants, including traders, investors, and institutions, also play a role in buying and selling Stellar Lumens, which further affects its market price. Global occurrences, news, and endorsements from celebrities and influential politicians can also put a pressure on the current price of XLM Coin.
Why Buy Stellar Lumens (XLM)?
If you're considering investing in digital currencies, Stellar Lumens should definitely be on your radar. Not only does Stellar Lumens facilitate fast and secure multi-currency transactions with a low transaction fee, but it has also been around since 2014, making it one of the more established cryptocurrencies in the crypto world.
What sets Stellar apart is its impressive partnerships, particularly with IBM, which brings credibility and a wide range of potential use cases.
Stellar Lumens supports smart contract and decentralized finance (DeFi) creation, allowing for the development of innovative applications and financial services.
And here's a bonus: by staking Stellar Lumens, you can earn passive income rewards, making it an attractive opportunity for long-term investors. With its solid foundation, strategic partnerships, and promising features, Stellar Lumens offers a compelling proposition for those looking to diversify their crypto portfolio.
Best Ways to Buy Stellar Lumens (XLM) Safely
Discover the world of cryptocurrency with ease and confidence on Changelly, a trusted and established cryptocurrency exchange platform. Experience the convenience of buying and selling XLM (Stellar Crypto) quickly and securely. No need to worry about finding a crypto wallet – Changelly partners with acclaimed providers like Ledger Live and Trust Wallet, ensuring you can seamlessly acquire one while making your transaction. With over 550 supported assets, competitive trading fees, top-notch security measures, and accessible customer support, Changelly provides an exceptional cryptocurrency experience.
How to Buy XLM with a Credit or Debit Card?
To buy Stellar Lumens (XLM) with your credit or debit card, follow these simple steps:
Create an account on a top cryptocurrency exchange like Changelly. Complete the identity verification check by providing personal details and uploading a copy of your ID.
Once verified, go to the "Buy Crypto" section on the platform. Choose the desired digital asset to invest in, for example, Stellar Lumens (XLM). Select "Credit/Debit Card" as the payment method.
Enter the amount of XLM you want to buy and enter your card details.
Review and agree to the transaction terms (including the fees involved), and then complete the payment. Make sure to finalize the payment quickly, as the asset’s price is updated in real time.
Once the payment is successful, the bought Stellar Lumens will appear in your account on the same platform. If using a non-custodial exchange like Changelly, the purchased XLM tokens will be sent to the wallet address you provided during the transaction setup.
That's it! Now you know how to start buying XLM using your credit or debit card.
How to Buy Stellar Lumens (XLM) with a Bank Transfer?
Buying Stellar Lumens (XLM) with bank transfers is a relatively straightforward process that shares similarities with sending transactions via a debit or credit card, albeit with a few subtle differences. Such as, wire transfers may take a bit longer to process compared to card transactions, spanning from a few hours to a couple of business days. However, sending money from your bank account with a wire transfer often offers lower fees and higher transaction limits, making it an advantageous choice for those seeking larger XLM investments.
How to Buy Stellar Lumens (XLM) with Apple Pay or Google Pay?
To buy Stellar Lumens (XLM) using Apple Pay or Google Pay, begin by downloading the mobile app of your preferred trading platform or exchange, such as Changelly, from the App Store or Google Play Store onto your Android or iOS device.
Once the app is installed, set up an account or log in if you already have one.
Next, navigate to the buying page within the app and select Stellar Lumens (XLM) as the desired cryptocurrency.
Choose the payment option that corresponds to Apple Pay or Google Pay, depending on your device. Follow the prompts to link your payment method and complete the necessary verification steps.
After your payment method is successfully linked, you can specify the amount of XLM you wish to purchase and confirm the transaction.
The convenience of Apple Pay or Google Pay enables you to securely and swiftly buy Stellar Lumens (XLM) from the comfort of your mobile device, making the process seamless and easily accessible.
How to Buy Stellar Lumens (XLM) with PayPal?
PayPal offers a dedicated mobile app allowing users to buy, sell, trade, send, and store popular digital currencies like Bitcoin, Bitcoin Cash, Ethereum, and Litecoin.
Unfortunately, PayPal doesn't support buying XLM or performing other activities with this crypto coin. Moreover, only the United States residents can use PayPal for buying, selling, and trading crypto assets.
If you desire to use your PayPal money to purchase Stellar Lumens XLM, you can resort to peer-to-peer marketplaces, crypto trading platforms, broker firms, or centralized crypto exchanges that include PayPal to their payment options.
How to Purchase Stellar Lumens (XLM) from an ATM?
There are some cryptocurrency ATM operators that support Stellar Lumens (XLM), such as CoinFlip. CoinFlip operates about 450 Bitcoin ATMs in gas stations and convenience stores in the USA, allowing for buying crypto with cash or debit/credit cards.
A crypto machine works by scanning a QR code of your digital wallet, so you need to get yourself one before buying or selling cryptocurrencies through such a standalone kiosk. Generally, buying at the ATM does not require any Know Your Customer (KYC) verification up to a certain threshold, which allows anonymous crypto purchases at a current XLM price. However, low fees are not the trait of Bitcoin ATMs – their trading commissions are often considerably higher than those of popular cryptocurrency exchanges like Changelly.
How to Buy Stellar Lumens (XLM) with Cash?
If you want to incorporate classic paper money into buying XLM cryptocurrency, you can visit peer-to-peer crypto marketplaces like Paxful and find an individual who is ready to accept your cash in exchange for Stellar Lumens tokens. You can arrange a meeting with such a person in real life or mutually agree on using alternative payment methods to conclude a Stellar (Lumens) trade.
How to Buy Stellar Lumens (XLM) with a Prepaid Card?
If you're eager to buy Stellar Lumens (XLM) with a prepaid card, there are a few key things you'll need in order to make it happen.
First you'll need to find a reputable cryptocurrency exchange that accepts prepaid cards as a payment method. Once you've found the right company, make sure you have a prepaid card with sufficient funds and that it's compatible with the exchange's payment processor.
You'll also want to have a digital wallet set up to securely store your purchased XLM. Finally, be prepared to go through the verification process required by the exchange platform, as it's crucial for security and regulatory compliance. Once you have everything in place, you'll be ready to embark on your XLM investment journey with your prepaid card in hand!
What Can You Buy with Lumens (XLM)?
Lumens (XLM), the cryptocurrency of the Stellar network, opens up a world of possibilities when it comes to making purchases. From digital goods to real estate, you can buy a wide range of products and services. Some notable companies and service providers that accept Stellar cryptocurrency include IBM, Deloitte, Kik, SatoshiPay, WeTravel, Travala, Moneygram, and Overstock.
Where to Store Lumens (XLM) Coins?
When you want to store Stellar Lumens (XLM) coins safely, there are several common wallet types to choose from. One popular option is a software wallet, which can be downloaded and installed on your computer or mobile device. Examples of software wallets recommended by the Stellar network include Beans, Benkiko Finance, Changera, Freighter, LOBSTR, and Firefly. These wallets offer secure storage for your Lumens coins and provide you with full control over your funds.
Another variant is a hardware wallet, which is a physical device that securely stores your private keys offline. Examples of hardware wallets that support Lumens coins include Ledger Nano S and Trezor. These wallets offer an added layer of protection against online threats. Additionally, there are also web wallets and exchange wallets, which allow you to store your Lumens coins online. However, it is important to choose reputable and secure solutions to ensure the safety of your funds.
How to Cash Out Lumens (XLM) Coins?
When you need to sell XLM coins for cash, there are several methods to fulfill this:
Crypto Exchange. Cryptocurrency platforms like Changelly facilitate selling Lumens back for fiat currency and sending funds to your card or bank account.
P2P Marketplace. Sell Stellar cryptocurrency directly to individuals for cash on peer-to-peer marketplaces.
Crypto Card. Use crypto-based debit cards that work like traditional Mastercard or VISA and allow you to spend XLM like fiat currencies. Trusted providers of such cards include Juno, Wirex, and Coinbase.
Crypto ATM. Using this physical installation, you can easily sell Stellar Lumens for national money, like USD.
Crypto Gift Card. Trade XLM (Stellar Lumens) for material goods by using crypto gift cards. These solutions allow you to pay for products or services at popular retailers like Amazon, eBay, Adidas, Walmart, and more, using XLM or other cryptocurrencies. Websites like Bitit, Bitrefill, Gyft, and eGifter offer this service.
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