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6 Best Crypto Exchanges With PayPal Deposits and Withdrawals
By: Reviewed By:
Updated: Mar 3, 2026
Advertising DisclosureWe prioritize rigorous, unbiased testing through our independent review process. While our ratings are objective, we receive compensation that may influence list placement. Learn how we make money
There are a bunch of top exchanges that support PayPal for deposits and withdrawals, which makes it hard to find the right one that suits your needs. Some claim to offer low fees, instant transactions, or multiple currency support. But which one should you choose?
We’ve done the research to help you with your needs. We’ve tested over 50 crypto exchanges, spending hours depositing our own money, testing all the available products, and analyzing the security features available on each, to compile a list of the best exchanges in the industry.
When looking for an exchange that supports PayPal, we know it’s not a one-size-fits-all scenario. That’s why we’ve come up with a list of categories and chosen an exchange that suits each category best.
List of Top Cryptocurrency Exchanges That Accept PayPal
Supports USD/EUR deposits & withdrawals, PayPal app integration, relatively low fees, and comprehensive asset insurance.
Supports multiple EU/EEA currencies, supports deposits via PayPal, fully transparent fees, easy to use platform.
A strictly regulated US exchange offering the most affordable entry point with a flat 2.5% fee for seamless PayPal deposits.
A highly accessible, household name offering instant PayPal deposits and withdrawals in the US, UK, and EU with FDIC-insured USD balances.
Supports EUR/GBP, supports deposits & withdrawals, relatively low fees, full regulatory compliance.
A long-standing, secure exchange ideal for high-volume traders, offering monthly PayPal transaction limits of up to $20,000.
When looking for the best exchanges with PayPal integration, we compared the exchanges based on several key factors. We ranked them based on how well they scored on the following criteria:
- PayPal Integration: We’ve seen many exchanges advertise PayPal support, but they don’t all work the same. We evaluated PayPal integration by checking whether platforms offer native deposit and withdrawal support without third‑party workarounds or P2P trading.
- PayPal Fees: When making regular transactions, PayPal fees on each transaction can add up quickly. So we compared PayPal deposit and withdrawal fees per transaction, across a range of currencies and exchanges, looking for the most cost-effective options. We’ve also highlighted exchanges that offer low and transparent fees with no hidden costs.
- Transaction Limits: If you regularly buy crypto using PayPal, the last thing you want is to hit a transaction limit. That’s why we focused on platforms with higher daily/monthly PayPal limits, which make them ideal for active traders and larger fiat transactions.
- Security & Licensing: Security is key when choosing an exchange, no matter the reason. We focused on exchanges with strong security measures, clear proof of reserves, and licensing from trusted regulators. This gives you peace of mind that your coins and personal details are in the hands of a reputable exchange that operates to the highest standards.
- Regional Availability: Many exchanges offer PayPal support to a limited number of countries. That’s why we decided to focus on platforms that offer PayPal support in a larger selection of countries. Especially in the US, where many people prefer using PayPal over other payment methods.
- Trading Experience: PayPal integration counts less if the trading experience is sub-par. Our team extensively tested all the exchanges to find one with a user‑friendly platform and smooth PayPal integration. This makes it easy for you to deposit using PayPal and start trading, regardless of your experience level.
- Mobile App Quality: Most users nowadays rely solely on mobile apps when buying and selling crypto. That’s why we’ve thoroughly tested each exchange’s mobile app, highlighting the ones that give you ease of use and smooth PayPal functionality.
- Crypto Selection via PayPal: We preferred exchanges that offer a wide range of coins like altcoins, stablecoins, and trending tokens that are available to buy directly using PayPal.
- Fiat Balances: We appreciate the ability to make fiat deposits and hold them on an exchange without being forced to convert them into crypto. That’s why we favored platforms that let users deposit via PayPal and hold fiat balances, instead of only letting you buy crypto directly.
- Transaction Speed: The main advantage of using PayPal is its instant transaction processing. We compared how fast PayPal deposits and withdrawals were processed in the real world, favoring exchanges that managed to offer near-instant execution.
- Customer Support: When things go wrong, you want to be able to speak to helpful customer support agents. We tested how responsive each exchange’s support teams were, as well as their ability to handle PayPal disputes. We also looked at real user reviews, giving extra credit to platforms with strong user feedback.
Best Crypto Exchanges With PayPal Deposits and Withdrawals Comparison Table
[crypto-compare-table]
Best in the EU
No Rating Available
- -Available Crypto
- Payment Methods+4
- Fees-
Why We Picked It
If you live in the EU or EEA, Paybis is my top choice if you’re looking for a platform that lets you easily deposit with PayPal. Its intuitive interface makes buying crypto simple while still making sure you know exactly how much you’re paying and how much you’re receiving. Paybis supports a wide range of European currencies, making it perfect if you live in the Eurozone and even non-Euro countries.
- PayPal Support:
Cash-in: EU/EEA (EUR, GBP, CHF, CZK, DKK, NOK, SEK) - Fees: 5-9% depending on the currency/crypto selected
- Daily/Monthly Limits: up to $850,000 per month
Pros and Cons
Pros
- Offers cash in with PayPal
- Supports EUR, GBP, CHF, CZK, DKK, NOK & SEK
- Offers 80+ cryptocurrencies
- Intuitive platform with transparent fees
Cons
- Charges slightly higher fees (5-9%)
- Doesn’t let you cash out with PayPal
Lowest Deposit Fee
- 96Available Crypto
- Payment Methods+1
- FeesHigh
Why We Picked It
If low fees are your priority, Gemini is my go-to exchange for seamless, low-cost PayPal deposits. Gemini is one of the top exchanges in the US and is registered with FinCEN, the CFTC, and NYDFS. This ensures it complies with regulations across the US, giving you added reassurance that you’re using a secure exchange. I found its interface easy to use, and it guides you through the process of making deposits step by step. Its main selling point is its seamless PayPal deposits with a low flat fee of 2.5%, making it my top choice if you’re in the US and want a secure and affordable way to buy crypto using PayPal.
- PayPal Support:
Cash-in: US (USD) - Fees: 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 Mobile App
- 376Available Crypto
- Payment Methods+4
- FeesHigh
Why We Picked It
From my experience, Crypto.com is one of the best exchanges in the industry. It is a real one-stop shop for all things crypto, including its popular Visa card that allows you to spend crypto online and in-store. You can make PayPal purchases directly within the app, making it quick and easy to buy crypto using your PayPal balance or linked bank card. I found Crypto.com easy to navigate and make deposits with, making it perfect for both beginners and experienced users. Its great user experience combined with its security, transparency, and $750 million insurance policy makes Crypto.com perfect if you want a secure, easy-to-use exchange to buy crypto with PayPal.
- PayPal Support:
Cash-in: EU (EUR) and US (USD)
Cash-out: EU (EUR) and US (USD) - Fees: 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%)
Best for Regulatory Compliance
- 675Available Crypto
- Payment Methods+1
- FeesHigh
Why We Picked It
If having a legally compliant exchange is your top priority, Kraken is my top choice for you. It’s known for its security and regulatory compliance, holding an EU MiCA license as well as licenses from the UK’s FCA and the US’s FinCEN, which makes it one of the most compliant platforms in the industry. I found both its app and desktop platform easy to use, making it perfect for all experience levels. If you want to make deposits and withdrawals in the EU (EUR) and UK (GBP), Kraken has you covered as a safe and fully compliant platform for PayPal transactions.
- PayPal Support:
Cash-in: EEA (EUR) and UK (GBP)
Cash-out: EEA (EUR) and UK (GBP) - Fees: ~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
Best Daily and Monthly Limits
- 108Available Crypto
- Payment Methods+3
- FeesHigh
Why We Picked It
I picked Bitstamp as best for high limits as it gives you up to $20,000 in monthly transactions across USD, EUR, and GBP. Bitstamp is based in Luxembourg, has been operating since 2011, and was acquired by Robinhood in 2024. It offers high PayPal purchase limits that make it ideal if you make regular or high-volume PayPal transactions. Bitstamp is also licensed in the US, UK, and EU, whilst offering 100% Proof of Reserves, and 95% cold storage. All of this adds up to make Bitstamp hard to ignore if you’re looking for a platform that’s secure, compliant, and offers high transaction limits.
- PayPal Support:
Cash-in: EU* (EUR), UK (GBP), US (USD) - Fee: 4%
- Daily/Monthly Limits: 2,500 ($,€,£) 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 are not available
- Slightly higher fees (4%)
- Limited cryptocurrency selection
How to Choose the Best Crypto Exchange for Buying Crypto with PayPal?
What Should I Look For When Choosing An Exchange That Supports PayPal?
Choosing an exchange that supports PayPal isn’t easy, with so many solid options available. We recommend looking for the following key factors when considering which exchange to use:
- Direct PayPal Integration: You should check if the exchange supports PayPal directly, or if it relies on P2P trading or third-party services like Simplex and MoonPay to support PayPal. Third-party services typically charge higher fees for PayPal deposits than exchanges that natively support PayPal.
- Transparent Fees: Look for exchanges that clearly display their fees before you confirm your transactions. The last thing you want is to confirm your transaction, only to find out afterwards that you’ve been hit with hidden fees.
- Cash In & Cash Out Support: Since many exchanges only support PayPal deposits, it’s important to check whether the exchange you’re considering also supports withdrawals.
- Regulatory Compliance: Always make sure the exchange is licensed and regulated by a major financial authority, ideally in the US, EU, or UK. This gives you that extra reassurance that the exchange operates to the highest standards and complies with strict financial regulations.
- Local Currency Support: Different exchanges support different currencies via PayPal. We suggest double checking which fiat currencies your chosen exchange supports via PayPal to help avoid paying extra fiat conversion fees.
What are the Advantages of Using PayPal to Buy Crypto?
Despite its higher fees, PayPal does offer several key advantages that might make it worth using. Of course these will depend on your individual use case, but here are some of the biggest advantages of using PayPal to buy crypto:
- Convenience: You can buy crypto using your PayPal balance or a bank card linked to your PayPal account. This lets you skip entering your card details and waiting for transactions to be approved in your banking app
- Speed: Deposits and purchases through PayPal are fast and usually settle instantly. This makes it ideal for capitalising on sudden dips in the market. Unlike bank transfers which can take several days to process.
- Familiar Platform: If you’re a long time PayPal user, you’ll find it quick and easy to make transactions via PayPal.
- Reputation: PayPal comes with a long reputation for safe and reliable operations, assuring that your bank details are in the hands of a trusted company.
What Are The Fees Associated With PayPal Deposits And Withdrawals?
PayPal fees are fairly straightforward, but can vary greatly depending on which exchange you are using. If you’re depositing or buying crypto using PayPal you’ll have to pay a deposit fee, which I’ve seen vary from 2.5% to 4.0%. If you’re selling crypto for fiat or cashing out, you’ll have to pay withdrawal fees which can sometimes be a percentage or a flat fee depending on which exchange you use.
Is It Safe To Buy Crypto With PayPal?
Based on my testing and years of experience, I’d consider PayPal a safe option when buying crypto or making fiat deposits. PayPal is a heavily regulated platform that you can trust with your banking information.
Why Are PayPal Crypto Purchase Fees Higher Than Bank Transfers?
You will probably notice that crypto purchases using PayPal typically cost more than making deposits via bank transfer. This is because PayPal charges higher processing fees than most banks, fees that the exchanges are forced to pass on to you, the end user. Exchanges can also add extra fees to cover the risk of chargeback scams and disputes, things you don’t have to deal with when using bank transfers or bank cards.
Does PayPal Offer Buyer Protection For Crypto Transactions?
PayPal’s buyer protection policy usually doesn’t cover crypto transactions. That means all crypto purchases are final, the same as if you were using a bank card or bank transfer. Purchases using PayPal are also ineligible for dispute resolution or fraud protection.
About the Author
Shennon HewaCrypto Exchange Analyst
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 FXEmpire
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 FXEmpire
Advertising DisclosureWe prioritize rigorous, unbiased testing through our independent review process. While our ratings are objective, we receive compensation that may influence list placement. Learn how we make money
Table of Contents
- List of Top Cryptocurrency Exchanges That Accept PayPal
- Best Crypto Exchanges With PayPal Deposits and Withdrawals Comparison Table
- Best Overall
- Best in the EU
- Lowest Deposit Fee
- Best Mobile App
- Best for Regulatory Compliance
- Best Daily and Monthly Limits
- How to Choose the Best Crypto Exchange for Buying Crypto with PayPal?