Helpful Links

• How to get a PayPal Bitcoin address
• How to send Bitcoin from PayPal

PayPal.com Bitcoin Buying Fees

In our testing, buying with PayPal works fast but has high fees:

Purchase amount	Fee
1 – 4.99 USD	0.49 USD
5 – 24.99 USD	0.99 USD
25 – 74.99 USD	1.99 USD
75 – 200 USD	2.49 USD
200 – 1000 USD	1.80%
1000.01 USD +	1.50%

You can also read our comparison of PayPal vs Coinbase fees. PayPal was slightly cheaper in our testing.

Financial & Regulatory Licenses

Exchange	Licenses & Regulation
Coinbase	Chartered by New York State Department of Financial Services for virtual currency.
Kraken	Registered money services business with FinCEN (USA).
Gemini	New York State Department of Financial Services (NYDFS).
PayPal	Licensed money transmitter in the US (FinCEN), EU (Luxembourg banking license), and Australia (APRA regulated).

Deposit Fees

These are fees exchanges may charge for deposits. Fees are subject to change.

Exchange	Deposit Fees
Coinbase	ACH: Free Wire: $10 USD SEPA: €0.15 EUR SWIFT: Free
Gemini	ACH: $0 Wire: $0 SEPA: $0 SWIFT: $0
Kraken	ACH: $0 Wire: $0 SEPA: $0 SWIFT: $3
PayPal	ACH: $0 Wire: $0 SEPA: $0 SWIFT: $0

Some exchanges may charge fees when you deposit or withdraw Bitcoin from their platform. These fees can vary based on network congestion and the exchange's policies.

Exchange	BTC Deposit Fees	BTC Withdrawal Fees
Coinbase	NoneⓘNo fees are charged when depositing bitcoin to sell, although selling fees may apply.	VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.
Gemini	NoneⓘNo fees are charged when depositing bitcoin to sell, although selling fees may apply.	VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.
Kraken	NoneⓘNo fees are charged when depositing bitcoin to sell, although selling fees may apply.	VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.
PayPal	NoneⓘNo fees are charged when depositing bitcoin to sell, although selling fees may apply.	VariesⓘBitcoin transaction fees vary based on network congestion. Fees are typically $1 or less but can be higher during busy periods.

Mobile App Support

Exchange	iOS App	Android App
Coinbase
Kraken
Gemini
PayPal

Earn Interest & Rewards

The following table shows interest rates offered by exchanges.

Exchange	Interest Rate & Details
Coinbase	4.70% Earn 4.70% APY rewards by holding USDC on Coinbase. USDC is fully backed 1:1 by US dollars. Minimum $1.
Kraken	0.15% - 6.5% Available for BTC (0.15% bonded/0.1% flexible), USDT/USD/USDC (6.5% bonded/4.5% flexible), and EUR (4.45% bonded/3.5% flexible).

Exchange snapshots