● TOP METHOD · 2026 200 COUNTRIES CRYPTO NATIVE
PayPal and crypto
The global standard for online payments — now with crypto
The verdict
6.8 / 10 · CONSIDER
PayPal's crypto support is real but limited — you can buy, sell, and now send crypto, but high fees and limited withdrawal options make it a starting point, not a destination for crypto users.
◆ BUY IT IF
- 200+ countries — unmatched geographic coverage
- 35M+ merchants accept PayPal
- FDIC-insured USD balance
- Trusted brand — 25+ years
◇ SKIP IT IF
- High crypto fees (1.5–2.3% buy/sell spread)
- Cannot withdraw crypto to external wallet in most countries
- 1.3/5 Trustpilot — freezing accounts, poor support
- Currency conversion fees 3–4%
§ 01 SCORE BREAKDOWN
Five axes, weighted.
DIMENSION WEIGHT RATING SCORE
Crypto support
Native · 5 assets
Coverage
200 countries
Fees
Crypto fees vary by amount. Sending internationally adds 5% fee. PayPal is consistently one of the most expens
Speed
Instant (PayPal to PayPal); 1–3 days (bank)
Trust & safety
Licensed money transmitter in all US states. FCA authorised (UK). EU e-money institution. FinCEN registered.
§ 02 SPECIFICATIONS
Everything, in one table.
Coverage
- Countries
- 200
- Strong regions
- US, UK, EU, AU, CA
- Weak regions
- CN, RU
Crypto features
- Buy / sell
- Yes
- Withdraw to wallet
- Yes
- Merchant payments
- Yes
- Supported assets
- BTC, ETH, LTC, BCH, PYUSD
Fees
- Friends & family
- Free (bank/PayPal balance); 2.9% + $0.30 (card)
- Receiving
- Free for personal; 2.9% + fee for business
- Currency conversion
- 3–4% above mid-market rate
Speed
- Typical transfer
- Instant (PayPal to PayPal); 1–3 days (bank)
- Instant transfer
- No
- Crypto settlement
- Instant within PayPal; external withdrawals 1+ day
§ 03 FAQ
Frequently Asked Questions
Does PayPal support crypto? +
Yes, PayPal supports crypto. You can buy and sell BTC, ETH, LTC, BCH, PYUSD directly. Withdrawals to external wallets are supported.
How many countries is PayPal available in? +
PayPal is available in 200 countries. Strong regions include: US, UK, EU, AU, CA. It has limited availability in: CN, RU.
What are PayPal's fees for sending money? +
Send to friends/family: Free (bank/PayPal balance); 2.9% + $0.30 (card). Receiving: Free for personal; 2.9% + fee for business. Currency conversion: 3–4% above mid-market rate. Crypto fees vary by amount. Sending internationally adds 5% fee. PayPal is consistently one of the most expensive options.
How fast are PayPal transfers? +
PayPal offers typical transfer times of Instant (PayPal to PayPal); 1–3 days (bank). Crypto settlement: Instant within PayPal; external withdrawals 1+ day.