8 Best Crypto Exchanges That Accept PayPal Deposits and Withdrawals

Here, we break down the best crypto exchanges that accept PayPal. Our list includes 7 majors CEXs and 1 PayPal wallet, all evaluated using the Coingape Ranking and Review Methodology, covering fees, regulation, security, speed, and regional availability. 

Each review highlights how PayPal works on the platform, whether for direct deposits, withdrawals, third-party on-ramps, or PYUSD support. The goal is for readers to easily compare verified and reliable PayPal-enabled crypto exchanges.

Coinbase offers an easy, reliable direct deposit and withdrawals for buying Bitcoin with PayPal in the US. UK, and some EU nations. Coinbase supports 250+ cryptocurrencies, including PYUSD, giving users multiple ways to move funds between PayPal and crypto. 

Coinbase stands out for its multiple licenses in different jurisdictions, and fast processing speed. In terms of features, users can access advanced tools, including crypto charts. PayPal fees on Coinbase vary by region. With a daily trade volume of over $2B, (CoinGecko), Coinbase has enough liquidity that appeal to both new and advanced users.

eToro is one of the most beginner-friendly crypto exchanges that accepts PayPal in 2025. eToro largely appeals to users who prefer a simple, low-cost way to buy crypto alongside ETFs and stocks. 

eToro is also one of the few crypto exchanges that offer direct PayPal deposits and withdrawals, with no fees for either action, according to its help page. Most traders come to eToro for its social trading features. So, with PayPal as a funding option, it makes it easier for anyone to easily use the platform.

Bitstamp does not offer direct support for PayPal deposits and withdrawals. Instead, it allows PayPal users to buy crypto directly on its web platform, and this service is only available to US and EU ( excluding Croatia, Iceland and Hungary) residents. 

According to its official documentation, this feature only works for USD, EUR and GBP. While PayPal withdrawals are currently unavailable, users can link their accounts and make purchases of up to $2,500 per day and $20,000 monthly.

Crypto.com announced PayPal as a payment method in 2024, allowing users in the US and EU to purchase 250+ cryptocurrencies using PayPal. Deposits are charged at a 1.995% fee, while withdrawals are not yet supported. 

Limits vary by tiers, from $2,000 per day for entry users to up to $125,000 for premium users, according to the exchange.  Crypto.com stands out with its wide coin selection, flexible PayPal deposits, and strong market presence.

Binance is one of the top, mainstream crypto exchanges that support direct PayPal deposits in EUR. Earlier this year, Binance said it had added PayPal support for European users, with only EUR as the supported currency, giving traders a Mica-compliant on-ramp for EUR purchase. 

This feature is available both on mobile and the App. Although PayPal withdrawal is unavailable, traders still benefit from Binance’s role as one of the best low-fee crypto exchanges, with spot fees as low as 0.1%.

PayPal itself is one of the best platforms to get crypto in 2025, thanks to its support for cryptocurrencies like BTC, LTC, BCH, and its native PYUSD inside the PayPal wallet. PayPal supports direct PayPal-to-crypto buys inside the wallet, internal swaps and full withdrawals to U.S., U.K., and EU users. 

With weekly limits of up to $100k, PayPal stands out as a simple way to get crypto for anyone who enjoys a familiar interface rather than a full centralized exchange. Interestingly, PayPal’s PYUSD hit a $1.3 billion market cap across Solana, Ethereum and Arbitrum in 2025, showing massive adoption.

Kraken recently announced plans to go public, but the exchange is also one of the best platforms that offer crypto deposits and withdrawals in 2025. Kraken supports EUR, USD, AUD, and GBP, making it a flexible option for users across multiple markets.

While deposits are instantly available for withdrawal, Kraken mandates a 72-hour hold period for withdrawals for fraud prevention. Kraken pairs its flexibility and security with deep liquidity and compliance across several regions.

Gemini supports PayPal deposits for US and EU users. PayPal deposits come with a higher fee, around 2.50%, according to Gemini’s help page. As of 2025, PayPal withdrawals are not supported, but traders can access over 70 cryptocurrencies. In terms of limits, Gemini limits PayPal deposits in supported regions to $1,000 daily.

Buying crypto with PayPal is fast and familiar for beginners, and the process is pretty simple. You simply pick an exchange that supports PayPal, complete KYC verification, link your account, deposit and trade. Ensure you look out for fees across platforms, and pick the most pocket-friendly choice available. Let’s break down the whole process below 

Step 1: Choose an Exchange That Supports PayPal in Your Region

Search for crypto exchanges that list PayPal as an on-ramp in your region, confirm the availability, fees, and support level. Some platforms, like Coinbase, offer complete deposit and withdrawals, while others, like Gemini, offer only deposit support. 

Step 2: Create an Account and Complete KYC

Sign up with your email, complete KYC requirements to make your first deposit via PayPal. Some platforms require you to provide an ID card, a driver’s license, or an address. Completing KYC reduces your limits and allows you to freely explore the features on the exchange. 

Step 3: Link Your PayPal Account

Head to the exchange’s payment settings and select PayPal, and follow the link to log in. Ensure the name on your PayPal matches the name on the exchange’s account to prevent issues with withdrawals.

Step 4: Deposit Via PayPal

Once you’ve successfully linked your PayPal account, the next step is to make your first deposit via PayPal. Choose PayPal as your payment method, enter the amount and confirm. Don’t forget to check for deposit fees and watch out for limits on the exchange.

Source: Binance

Complete the entire setup.

Source: Binance

Step 5: Buy Your Preferred Crypto

Here, we’ll show you how to buy Bitcoin with PayPal. Once the deposit has been made, go to the market or buy page, select the crypto you want to buy (BTC or ETH, etc), select the amount, and confirm. This is the core of “how to buy crypto with PayPal.” Don’t forget to check fees and spreads before confirming 

Step 6: Withdraw to Wallet or Keep on Exchange

Decide if you want to store your assets on the exchange or move them to an external wallet. We recommend moving them to an external wallet if your goal is long-term. If you plan to withdraw immediately, find out the exchange’s rules on withdrawals. Some, like Kraken, prevent instant withdrawal.

Using PayPal to get crypto is often fast and reliable, but, in truth, it is more expensive than bank or card transfers. Most exchanges charge PayPal-specific fees, usually around 1%-4%, PayPal itself imposes mandatory fees, and you still get to pay trading fees after the deposit. Here’s a breakdown of what to expect on any crypto exchange with PayPal.

PayPal Deposit Fees

Different exchanges set their own deposit fees for PayPal transactions. These fees cover processing and risks. Check our comparison table for a breakdown of the fees involved

PayPal Transaction Fees (1-4%)

Beyond exchange fees, PayPal also imposes fees on crypto-related payments, often around 1-4%. 

Spread and Conversion Fees

PayPal applies a spread if your currency account in your account does not tally with the exchange’s trading currency. Now:

• Common spreads are around 1% -3% FX markup when converting, say, GBP to USD or EUR to USD
• Some crypto exchanges impose their own FX fee when your account is in a different currency

Exchange Trading Fee After Deposit

Even after paying the deposit and PayPal fees, users still pay maker and taker fees on crypto exchanges. We have several articles detailing crypto exchanges and their fees, including the ones with the lowest fees. If you want to save funds on fees, be sure to look up these articles. However, trading fees are the smallest cost when using a crypto exchange with PayPal. 

Why is PayPal often More Expensive Than Bank Transfers?

PayPal charges more than the average crypto exchange for several reasons:

• FX conversion cost for international transactions
• PayPal operates like a card payment and not a bank transfer, meaning more cost
• Due to PayPal’s instant processing features, crypto exchanges pay higher settlement fees
• Some regions require extra compliance checks, adding to operational costs
• Exchanges charge higher for PayPal deposits to offset the risks of fraud and chargebacks

Which Exchange Offers the Cheapest PayPal Crypto Fees?

The cheapest crypto exchange with PayPal in terms of fees depends on your region:

• For EU: Binance stands out as the best low-fee option thanks to its low PayPal commission and 0.1% trading fee
• For the US, Kraken has a better fee structure and supports PayPal deposits and withdrawals
• UK and EU beginners: We recommend Crypto.com for its 1.99% stable PayPal fee and huge asset options
• Direct buyers: The PayPal app itself is a good option. However, fees are higher compared to other exchanges

Overall, Binance and Crypto.com are good, cheap alternatives

Buying crypto with PayPal is generally a little risky. It carries certain risks due to increased fraud potential and payment reversal. Thankfully, PayPal and crypto exchanges have set up measures to combat these risks. Nonetheless, we advise our readers to understand the safe practices and adhere to them. 

Protection From Fraud and Chargebacks

PayPal provides good buyer protection and constantly monitors transactions for suspicious activities. This way, there are less unauthorized purchases and scams.

Why Do Some Exchanges Avoid PayPal?

As we mentioned earlier, only a few crypto exchanges support PayPal, and there’s a reason for this. PayPal supports payment reversals, which is not possible with crypto exchanges. Payment reversals create liability for crypto exchanges. So, to handle this, they either charge higher fees or avoid integrating PayPal as a payment method. 

Risk of Buying Crypto Directly Inside PayPal

Getting your crypto directly from PayPal reduces your control over your asset and is not flexible. Ownership of your asset stays within the PayPal ecosystem, meaning you can’t easily move it to an external wallet

Smart Storage Tip

For better security and ease of use, move your assets to an external wallet after purchase. We recommend hardware wallets like Trezor as they reduce your exposure to risks and help you control your assets. 

Can I Buy Crypto With PayPal Anonymously?

Short answer: No. All crypto exchanges integrated with PayPal require KYC to comply with compliance policies. This means they confirm your identity before letting you use this feature. 

Some wallets let you buy and sell crypto directly with PayPal, making transactions fast and reliable. Here are some of the top options,

• Coinbase Wallet: It supports PayPal for withdrawals in supported regions. Coinbase Wallet has a good interface, which makes it good for beginners.
• MetaMask: MetaMask is one of the first sets of crypto wallets to be integrated with PayPal. You can use gateways like Transak or Moonpay to fund your wallet
• TrustWallet: It works with third-party partners to allow users to buy crypto with PayPal. Trust Wallet offers a good interface as well as multi-coin support.
• PayPal Wallet: For users in supported regions, the PayPal wallet is a good way to get crypto directly inside PayPal, with instant transfer to your PayPal balance

If you are a trader wondering, “Can I buy crypto directly on PayPal?” the answer is yes. PayPal now allows users to buy crypto directly in its app, along with its stablecoin, PYUSD

What is PYUSD?

PYUSD is PayPal’s native stablecoin, issued by Paxos, fully regulated and backed by USD. PYUSD is also compatible with Ethereum wallets and DeFi services. In terms of regulations, PYUSD is compliant with US financial rules for safety. PYUSD is also well integrated across the crypto exchanges, available at various PayPal-integrated exchanges and wallets. 

Buying Crypto Inside the PayPal App

1. Supported coins: PayPal supports buying crypto inside its app. As of now, the supported coins are BTC, ETH, LTC, BCH, and PYUSD.

2. Fees: PayPal charges a small transaction fee and spreads on crypto purchases 

3. Transfer to exchange/wallets: PayPal supports transfer to exchanges or wallets. However, depending on the coin, some limits may apply. 

Limitations of PayPal’s Built-in Crypto Feature

While it’s possible to buy crypto directly inside the PayPal app, there are some drawbacks to this feature: 

• No trading pairs: You can only buy or sell. PayPal does not support trade between coins
• No advanced tools; PayPal is not a full crypto exchange. So, the features are limited. There are no charts, margin orders, etc
• Limited coins: PayPal only supports a handful of coins, leaving traders with no room for diversity

PayPal’s presence is growing across several regions, but it’s still unavailable in several regions. Some regions only support PayPal for deposits, while others offer both deposit and withdrawal features. 

Understanding where you can deposit, withdraw and buy crypto via PayPal will help you plan your investment and use PayPal as a reliable crypto off-ramp via PayPal. Here’s a quick breakdown of regions where PayPal is available for  crypto, and other key things to note

PayPal Crypto in the United States

PayPal offers full functionality in the US, including deposits, withdrawals and transfers. US traders can buy BTC, LTC, ETH, BCH or PYUSD via PayPal or exchanges that integrate PayPal.

PayPal Crypto in the EU

PayPal’s availability in the EU varies. In some countries, PayPal offers deposits and purchases via integrated exchanges like Binance, eToro, and Coinbase. The supported currencies include EUR, USD and GBP. However, withdrawal services are largely limited 

PayPal Crypto in the UK

Like the EU, PayPal is available in the UK, offering mainly deposits and purchases, with limited support for withdrawals. Several UK exchanges integrate PayPal. So you can easily enjoy crypto off-ramp via PayPal. 

Countries Where PayPal Deposits Are Not Supported on Exchanges

Several regions, including much of the APAC region, Africa and India, lack proper PayPal crypto support on exchanges. Users in these regions largely rely on bank transfers, cards, and third-party wallets for crypto purchases 

Future Outlook (2025 Regulatory Expectation)

PayPal plans to spread its crypto presence into more countries, with UK, EU, and US compliance paving the way. President Trump’s GENUIS Act was a big boost for PayPal in 2025. MiCa-compliance provides an advantage in the EU, while FCA-regulation covers its activities in the UK. As regulations evolve and become clearer, more countries might become comfortable with PayPal integration. We could see more countries open to PayPal integration in 2026.

There are several options available that let you easily fund your crypto purchases at even lower fees. Each method has its advantages and drawbacks. 

Bank Transfers (ACH, SEPA, FPS)

Bank transfers such as ACH, SEPA, and FPS remain one of the easiest ways to deposit directly to crypto exchanges and get crypto. This method is often cheaper than PayPal, however, processing could take 1-3 days. 

Credit/Debit Cards

Credit or debit cards offer instant crypto purchases on most exchanges. They are convenient but more expensive than bank transfers 

Apple Pay/Google Pay

A new but growing method, mobile methods like Google Pay or Apple Pay, are getting more popular on crypto platforms. For example, MoonPay and Kraken support both forms of payment for crypto transactions. 

Fiat On-Ramp Platforms

Platforms like MoonPay and Transak have become popular fiat on-ramp sites. These platforms support multiple payment methods such as bank transfers, cards, Apple/Google Pay, etc. Alternatives like P2P or bank transfers cost less 

P2P Marketplace

Peer-to-peer remains a good alternative to using PayPal. Platforms like Binance P2P, Bybit allow you to buy crypto directly from other people. This option is the most common PayPal alternative, especially in regions like Africa, where PayPal crypto integration is not widespread. 

What are Some Cheaper Options Available Compared to PayPal?

Fees on PayPal are around 2.2% plus spreads, which is high for even experienced traders. Alternatives like SEPA or bank transfer average around 0.1%. High-volume traders will save a lot on fees using these alternatives. An alternative like cards matches PayPal’s speed but avoids the cost. 

There are several factors you should consider while choosing a crypto exchange. Prioritize low-fees, usually under 2%, available regions and security. Here’s a breakdown.

Deposit Fees and FX Charges

Target platforms with cheap deposit fees, usually less than 2%, such as Kraken or Binance, for users in the EU. Platforms like Bitstamp require more fees, which could eat into your overall cost. 

Speed and Processing Time

Look for exchanges that process deposits and withdrawals quickly. Instant or near instant transactions reduce wait times. Kraken imposes a 72-hour hold on withdrawals, which could slow down traders in need of urgent liquidity. 

Supported Regions and Limitations

Confirm that your country is available and understand the limitations, if any. PayPal features often vary by region, so confirm. 

Cryptocurrency Selection

Choose an exchange with a wide range of supported assets like Binance, Crypto.com, and Kraken. Such massive support allows you to diversify beyond BTC and the basic altcoins. 

Withdrawal Method

Check if the exchange allows withdrawals to PayPal, a bank account or both. Such flexibility makes it easier to access your funds when needed. 

Security

Prioritize exchanges with a strong security record, good user reviews and transparency. Look out for platforms with insurance coverage, such as Binance.

Integration With PayPal’s PYUSD

For traders planning to use PYUSD, ensure your exchange of choice supports it. This would reduce conversion fees and allow for easy transfers.

Choosing the right crypto exchange with PayPal support depends on your location, goals, and experience. For beginners, we recommend PayPal Wallet and eToro. Both have intuitive designs and are easy to navigate. If you’re looking for the low-fee options, Binance (EU) and Kraken (US) stand out. 

For the best mobile experience, Crypto.com and Coinbase stand out for mobile apps with good PayPal integration. Traders seeking altcoins will enjoy Crypto.com and Coinbase’s wide selection. US, UK and EU users will benefit from full PayPal support, including deposits and withdrawals. 

If your priority is a direct PayPal-to-crypto purchase, PayPal itself and Coinbase are known for fast transactions. Overall, consider fees, regional support, asset variety, and security before deciding on an exchange. While crypto off-ramp via PayPal is convenient, we recommend external wallets for long-term security. 

With these points in mind, you can confidently pick a PayPal crypto exchange that suits your trading style, whether you are a beginner, casual trader or more experienced. 

Resources:

• PayPal’s official crypto page– learn more about PayPal’s crypto integration, features, etc
• Coinbase official site: Details Coinbase’s integration with PayPal
• Kraken’s help page: Explore Kraken’s integration with PayPal, including fees and supported coins
• Bitstamp’s FAQ page for details on Bitstamp’s integration with PayPal
• US Securities and Exchange Commission (SEC) page on crypto guidance