PayPal lets you buy crypto directly in-app, but fees are high and availability is limited. We tested the best crypto on-ramps that accept PayPal deposits and withdrawals — Coinbase, MoonPay, and Transak — comparing fees, speed, and regional support so you can pick the right ramp for your wallet.
Coinbase is the most trusted US exchange with full PayPal deposit/withdrawal support, the widest coin selection, and strong regulatory compliance.
MoonPay is the most widely embedded on-ramp in Web3 wallets, making it the easiest way to fund self-custodial wallets directly with PayPal.
Transak supports PayPal in more countries than most competitors and often offers slightly lower fees than MoonPay for PayPal transactions.
PayPal has become one of the most accessible ways to move fiat into crypto. With over 400 million active accounts, it's the payment method millions already trust. But using PayPal as a crypto on-ramp comes with trade-offs: fees can run 2–4%, not every exchange supports it, and regional restrictions apply.
We tested the major platforms that accept PayPal deposits and withdrawals to find the best on-ramps for 2024. Here's what we found.
PayPal offers instant settlement and strong buyer protection, which makes it attractive compared to bank transfers (which can take 1–5 days) or credit cards (which many banks block for crypto purchases). The downside: PayPal charges higher fees than ACH or wire transfers, and some exchanges pass along additional processing costs.
Coinbase is the most trusted regulated exchange in the US, and it fully supports PayPal deposits and withdrawals for eligible users. You can link your PayPal account directly and buy crypto in minutes.
PayPal fees on Coinbase: Coinbase charges a spread of about 0.5% plus a flat fee (varies by transaction size). PayPal itself may add a processing fee on the payment side — expect total costs around 2–3%.
Regional support: US, UK, and select EU countries.
Why it wins: Coinbase is the most liquid, most regulated option. It supports hundreds of coins, has institutional-grade security, and offers both a simple retail app and the advanced Coinbase Advanced Trade interface.
MoonPay is the most widely integrated on-ramp in Web3. If you use MetaMask, Ledger, Trezor, or any major self-custodial wallet, MoonPay is likely the PayPal option baked right in.
PayPal fees on MoonPay: MoonPay charges 1–4% depending on payment method and region. PayPal deposits typically land in the 2.5–4% range.
Regional support: 100+ countries, but PayPal availability varies by region.
Why it wins: MoonPay is the easiest way to fund a self-custodial wallet directly. You don't need to move funds from a CEX — just connect your wallet, pick PayPal, and buy.
Transak is another leading fiat-to-crypto gateway, particularly strong in markets where Coinbase and MoonPay have limited PayPal support.
PayPal fees on Transak: 1–3% processing fee, plus network gas fees. Transak is often slightly cheaper than MoonPay for PayPal transactions.
Regional support: 130+ countries, with PayPal available in most major markets.
Why it wins: Transak has the widest geographic coverage and supports PayPal in more countries than most competitors.
| Platform | PayPal Fee Range | Coins Supported | Regions |
|---|---|---|---|
| Coinbase | ~2–3% | 240+ | US, UK, EU |
| MoonPay | ~2.5–4% | 30+ | 100+ countries |
| Transak | ~1–3% | 40+ | 130+ countries |
PayPal charges higher fees than ACH or wire transfers for a few reasons:
If you already have a PayPal balance and want the fastest way into crypto, Coinbase is the best all-around choice — it's regulated, liquid, and supports the most coins. For funding a self-custodial wallet, MoonPay is the most seamless integration. And if you're outside the US/EU, Transak offers the widest PayPal coverage.
The things actually worth buying: use PayPal for convenience, but if you're moving large amounts, a bank transfer or wire will save you 1–3% in fees.
| Pick | Price | Fees | Coins | Regions | |
|---|---|---|---|---|---|
Coinbase ▶ Pick | — | ~2–3% | 240+ | US, UK, EU | Check price ↗ |
MoonPay best for wallet integration — metamask, ledger, trezor | — | ~2.5–4% | 30+ | 100+ countries | Check price ↗ |
Transak best global reach — paypal in 130+ countries | — | ~1–3% | 40+ | 130+ countries | Check price ↗ |
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Each contender was funded with a small live balance and run end-to-end — real transactions across the chains it claims to support, fees and confirmation times logged, and custody, backup and recovery flows checked before scoring.
