I cannot send the whole balance
Two things always stay behind on the XRP Ledger: the 1 XRP base reserve and the network fee. The Max button already accounts for both. Typing your full balance by hand will fail.
How it shows up
- Insufficient funds when I try to send everything
- Max sends less than my balance
- I want to empty my wallet
- Why can't I spend my whole balance
You can fix this yourself
No need to contact support: the steps below are the whole fix.
How support confirms it
- Look the address up on xrpscan.com: Balance minus 1 XRP minus 0.2 XRP per Owner Count minus 0.00001 XRP fee is the maximum sendable. If the user typed more than that, this is the cause.
What is going on
Your XRP Ledger account must keep 1 XRP on the ledger to exist (the base reserve), and every payment costs a tiny network fee that comes out of your balance. So the most you can send is your balance minus 1 XRP minus the fee. The app's spendable balance and the Max button already do that arithmetic for you.
The fix
On the amount screen tap Max instead of typing the number. If you typed a number and it fails, lower it by a hair; the fee is a hundredth of a cent, so the reserve is what is in the way.
Only XRP has a reserve
This applies to XRP on the XRP Ledger and to nothing else. Bitcoin, Ether, USDC and every other asset in the wallet are held through the intents layer, and swapping or sending them needs no XRP at all: no gas, no minimum balance. If a swap of a multichain asset fails, the reserve is not the reason; see Quote unavailable and My swap failed.
The balance shows 0 XRP right after a deposit
The app shows what you can spend. An account holding exactly 1 XRP, the reserve, shows 0 spendable: nothing is missing, it is the reserve. And a deposit of less than 1 XRP to a brand new account never arrives at all: the ledger refuses it and it stays with the sender, so the account keeps showing 0 and the activation card. See The app says my account needs activating.
Emptying the wallet completely
The 1 XRP reserve stays as long as the account exists. Closing an account is a separate XRP Ledger operation that the app does not offer, so in practice the last 1 XRP stays put. For multichain assets there is no reserve: Max sends the whole balance.
Face ID or fingerprint does not work
The biometric switch only appears when the phone itself has a face or a fingerprint enrolled, and it always falls back to the PIN. Most cases are the phone's setting, not the app's.
I paid by card and the XRP has not arrived
Card purchases are processed by a payment provider outside XRP Mobile. The provider charges your card, buys the XRP and sends it to your address. Delays and declines happen on their side, and their receipt is what resolves it.