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5 Best Crypto Exchanges With PayPal Deposits and Withdrawals
After analyzing 50+ crypto exchanges this year, our experts have identified the 5 best platforms that accept PayPal, highlighting their features, pros & cons. Practical tips are included.
By:
Reviewed By:
Updated: May 20, 2025
Supports USD/EUR/GBP, high daily limits, supports deposits & withdrawals.
Supports EUR/GBP, supports deposits & withdrawals, relatively low fees.
Low deposit fees, supports USD deposits.
Supports USD/EUR/GBP deposits, high daily limits, transparent fees.
Supports USD/EUR deposits & withdrawals, Paypal app integration, relatively low fees, comprehensive asset insurance.
How Did FXEmpire Choose the Best Crypto Platforms With PayPal Integration?
- PayPal Integration: We focused on platforms with native PayPal support for deposits and withdrawals, ensuring smooth, built-in functionality without third-party workarounds.
- PayPal Fees: We compared deposit and withdrawal fees, highlighting exchanges with low, transparent pricing and no hidden costs.
- Transaction Limits: We prioritized platforms with higher daily/monthly PayPal limits, which are ideal for active traders and larger fiat transactions.
- Security & Licensing: We selected exchanges with strong security, clear proof of reserves, and licenses from trusted regulators.
- Regional Availability: We chose platforms where PayPal is supported in more countries, especially the US, where it’s a preferred payment method.
- Trading Experience: We tested the process hands-on, favoring user-friendly platforms with seamless PayPal integration.
- Mobile App Quality: We evaluated mobile apps, focusing on ease of use and smooth PayPal functionality.
- Crypto Selection via PayPal: We preferred exchanges offering a wide range of assets (altcoins, stablecoins, and emerging tokens) when using PayPal.
- Fiat Balances: We favored platforms that let users deposit and hold fiat via PayPal, not just buy crypto directly.
- Transaction Speed: We assessed how fast PayPal deposits and withdrawals are processed, favoring near-instant execution.
- Customer Support: We tested support responsiveness and PayPal dispute handling, giving extra credit to platforms with strong user feedback.
Best Crypto Exchanges With PayPal Deposits and Withdrawals Comparison Table
| Exchange | Ranking | Taker/Maker | Available Crypto | Accepts Fiat | Payment Methods | KYC |
|---|---|---|---|---|---|---|
Coinbase Exchange | 4.0 Read Review | 1.2% / 0.6% | 0 | No | +6 | Yes |
Kraken | 3.9 Read Review | 0.4% / 0.25% | 409 | Yes | +3 | Yes |
Gemini | 3.2 Read Review | 0.4% / 0.2% | 81 | Yes | +3 | Yes |
Bitstamp | 3.2 Read Review | 0.3% / 0.2% | 104 | Yes | +5 | Yes |
Crypto.com | 3.8 Read Review | 0.3% / 0.15% | 0 | No | +3 | Full KYC Required |
Best Overall
- -Available Crypto
- Payment Methods+4
- FeesHigh
Why We Picked It
Coinbase is a US-based, publicly traded exchange known for its strong security and regulatory compliance. It supports PayPal transactions in the US, UK, and most of the EU, offering one of the most accessible and trusted options for fiat deposits and withdrawals. PayPal transfers are typically instant, and USD balances are protected with FDIC pass-through insurance.
- Cash-in: US (USD). Cash-out: EU (EUR), UK (EUR/GBP), Canada (CAD)
- Fee: 3.99%
- Limits: $/€/£20,000 per day
Pros and Cons
Pros
- Supports PayPal deposits and withdrawals
- Accepts USD, EUR, GBP, and CAD via PayPal
- Offers over 250 cryptocurrencies
Cons
- Charges slightly higher fees (3.99%)
Best in the EU
- 409Available Crypto
- Payment Methods+1
- FeesHigh
Why We Picked It
Kraken is a US-based exchange known for its strong security record and zero hacks. It holds licenses across the EU and from the UK’s FCA, making it one of the most trusted platforms in Europe. Kraken supports both PayPal deposits and withdrawals for EU (EUR) and UK (GBP) users, offering a safe and fully compliant option for PayPal transactions.
- PayPal In/out in EEA (EUR) and UK (GBP)
- Fee: ~2.5% (may vary by region and shown at checkout)
- Limits: €7,000 / £7,000 per week
Pros and Cons
Pros
- Supports PayPal deposits and withdrawals
- Low PayPal deposit fees (around 2.5%)
- Supports EUR and GBP via PayPal
- Offers over 500 cryptocurrencies
Cons
- Does not support USD via PayPal
Lowest Deposit Fee
- 81Available Crypto
- Payment Methods+1
- FeesHigh
Why We Picked It
Gemini is a US-based exchange with strong regulatory oversight. It holds a New York Trust License and Money Transmitter Licenses in over 35 states. It offers seamless PayPal deposits with a low flat fee of 2.5%, making it a top choice for US users looking for a secure and affordable way to buy crypto.
- Cash-in PayPal availability: US (USD)
- Fee: 2.5%
- Daily/Monthly Limits: $1,000 per day & ∼$30,000 per month
Pros and Cons
Pros
- Supports PayPal deposits
- Low PayPal deposit fees (2.5%)
- Supports USD via PayPal
Cons
- PayPal withdrawals unavailable
- No EUR/GBP support via PayPal
- Fewer supported cryptocurrencies
Best Daily and Monthly Limits
- 104Available Crypto
- Payment Methods+3
- FeesHigh
Why We Picked It
Bitstamp is a Luxembourg-based exchange operating since 2011. It offers high PayPal purchase limits, making it ideal for high-volume users. With licenses in the US, UK, and EU, 100% reserves, and 95% cold storage, it’s a highly secure and compliant platform.
- Cash-in PayPal availability: US (USD), EU* (EUR/GBP)
- Fee: 4%
- Daily/Monthly Limits: 2,500 ($,€,£) per day & 20,000 ($,€,£) per month
PayPal is not available in Croatia, Hungary, or Iceland.
Pros and Cons
Pros
- Supports PayPal deposits
- High deposit limits
- Supports USD, EUR, and GBP
- Transparent fee structure
Cons
- PayPal withdrawals not available
- Slightly higher fees (4%)
- Limited cryptocurrency selection
Best Mobile App
- -Available Crypto
- Payment Methods+1
- FeesLow
Why We Picked It
Crypto.com is a Singapore-based exchange known for its all-in-one crypto platform and popular Visa card, which lets users spend crypto both online and in stores. It supports PayPal purchases directly within the app, offering a quick and easy way to buy crypto using your PayPal balance or linked bank card. With a 100% reserve ratio and a $750 million insurance policy, Crypto.com provides strong security and peace of mind for its users.
- Cash-in and out PayPal availability: US (USD), EU (EUR)
- Fee: 2.99%
- Daily/Monthly Limits: up to $5,000 per day & up to $15,000 per month*
Limits depend on your VIP level with Crypto.com.
Pros and Cons
Pros
- Low PayPal deposit fees (2.99%)
- Supports USD, EUR, and GBP
- Offers over 500 cryptocurrencies
- Intuitive mobile app
Cons
- Limited regional availability
- Additional card fees may apply (up to 1.99%)
How to Choose the Best Crypto Exchange for Buying Crypto with PayPal?
Can I Buy Crypto On An Exchange Using PayPal?
Yes, some crypto exchanges let you buy crypto directly with PayPal. Others may use third-party services to process the payment. Whether you can use PayPal depends on your country, currency, and the exchange you choose.
What Should I Look For When Choosing An Exchange That Supports PayPal?
We recommend looking for the following:
- Direct PayPal integration to avoid higher fees from third-party services like Simplex or MoonPay.
- Clear and low fees for deposits, purchases, and withdrawals.
- PayPal withdrawals supported, not just deposits.
- Trusted security and regulation, especially with licenses from the US, UK, or EU authorities.
- Support for your local currency to avoid extra conversion fees.
Can I Buy Crypto Directly On PayPal?
Yes, you can buy crypto directly on PayPal in certain countries. It lets you buy, sell, hold, and use crypto for payments. But it only supports a few coins (BTC, ETH, SOL, LTC, BCH, LINK, PYUSD), so it’s better for beginners than active traders.
What Are The Fees Associated With PayPal Deposits And Withdrawals?
PayPal fees depend on the exchange and your location.
- Deposit fees usually range from 2.5% to 4.0%.
- Withdrawal fees can be either a similar percentage or a flat fee, depending on the platform.
Is It Safe To Buy Crypto With PayPal?
Yes, buying crypto with PayPal is generally safe, especially on well-regulated exchanges. However, PayPal’s buyer protection usually doesn’t cover crypto purchases, and these transactions can’t be reversed.
What Is PYUSD?
PYUSD is PayPal’s own stablecoin, backed 1:1 by the US dollar. It’s designed to work smoothly within PayPal for payments, transfers, and crypto trading. Like USDT and USDC, it keeps a stable value and is backed by dollar reserves.
Pros & Cons of Using PYUSD
| Pros | Cons |
|
|
PYUSD vs USDT
PYUSD and USDT are both stablecoins pegged 1:1 to the US dollar. Below is a quick comparison of three key factors to consider when choosing between them:
| Factor | PYUSD | USDT |
| Trust | More transparent and compliant, backed by regulated financial institutions | Has faced criticism over reserve transparency and occasional depegging |
| Adoption | Limited adoption, mainly within the PayPal ecosystem | Widely adopted across exchanges and DeFi protocols |
| Uses | Designed for payments and personal fund transfers | Primarily used for trading and cross-chain liquidity |
Why Are PayPal Crypto Purchase Fees Higher Than Bank Transfers?
PayPal crypto purchases usually cost more because PayPal charges higher processing fees than banks. Exchanges also add extra fees to cover the risk of chargebacks and disputes, which aren’t an issue with bank transfers.
Why Should I Use PayPal for Crypto Deposits?
Despite having higher fees and not offering buyer protection, there are several reasons users may choose to use PayPal to buy crypto:
- Convenience: You can buy crypto using your PayPal balance, linked debit or credit card, or bank account without entering your details on an exchange or making a manual bank transfer.
- Speed: Deposits and purchases through PayPal are fast and usually settle instantly.
- Familiar Platform: For users already active on PayPal and unfamiliar with crypto exchanges, it eliminates the need to learn a new platform.
- No Exchange Needed: You can buy crypto directly in the PayPal app without creating an account on a crypto exchange or worrying about custody.
- Reputation: PayPal has a long-standing reputation for safe, reliable operations, giving users confidence that their assets are secure.
What Are The Alternatives To Using PayPal to Buy Crypto?
- Bank transfers like ACH, SEPA, or SWIFT usually have lower fees but may take longer.
- Debit or credit cards offer instant processing, but often have fees similar to or higher than PayPal.
- Apple Pay and Google Pay are quick but supported by fewer exchanges and have card-like fees.
- P2P trading can be fast and cheap, but it carries more risk than traditional methods.
Pros and Cons of Using PayPal to Buy Crypto
| Pros | Cons |
|
|
What Happens If A PayPal Chargeback Is Filed After A Crypto Purchase?
If a chargeback is filed after buying crypto, most exchanges won’t accept it, and PayPal’s buyer protection usually doesn’t apply. This makes chargeback fraud a big risk, especially on P2P platforms. To stay safe, use trusted exchanges with proper vetting and escrow services.
FAQ
Which Crypto Exchanges Support PayPal?
Several major exchanges, like Gemini and Bitstamp, allow crypto purchases via PayPal. However, only Coinbase and Kraken support both deposits and withdrawals through PayPal.
How Long Do PayPal Crypto Deposits Take To Process?
Crypto purchases via PayPal are usually processed instantly, though this may vary by exchange if additional verification is needed. Check your exchange’s support center for details.
Are PayPal Purchases Processed Instantly?
Yes, most PayPal purchases are processed instantly, with crypto credited to your account within seconds. However, exchanges often impose a withdrawal delay. Check your exchange’s support center for specific information.
Which Exchanges Have The Lowest PayPal Transaction Fees?
Exchanges like Gemini and Kraken typically offer the lowest PayPal fees (∼ 2.5%), while platforms like Coinbase and Bitstamp have significantly higher fees (∼ 4%).
Does PayPal Offer Buyer Protection For Crypto Transactions?
PayPal’s buyer protection policy does not cover crypto transactions, meaning all crypto purchases are final and not eligible for dispute resolution or fraud protection.
About the Author
Shennon Hewaauthor
Shennon Hewa is a crypto trader and crypto journalist based in London. Active in the crypto space since 2017, he specializes in scalping, derivatives day trading, and swing trading. At FXEmpire, he has reviewed dozens of crypto exchanges and has extensive knowledge of platform strengths and weaknesses.
Why you can trust FX Empire
At FXEmpire, we strive to provide unbiased, thorough, and accurate exchange reviews by industry experts to help our users make smarter financial decisions.
Why you can trust FX Empire
Table of Contents
- List of Top Cryptocurrency Exchanges That Accept PayPal
- How Did FXEmpire Choose the Best Crypto Platforms With PayPal Integration?
- Best Crypto Exchanges With PayPal Deposits and Withdrawals Comparison Table
- Best Overall
- Best in the EU
- Lowest Deposit Fee
- Best Daily and Monthly Limits
- Best Mobile App
- How to Choose the Best Crypto Exchange for Buying Crypto with PayPal?
- FAQ