PayPal Crypto: Buy, Sell, Hold & Use Bitcoin, ETH, PYUSD & More
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PayPal Crypto: Buy, Sell, Hold & Use Bitcoin, ETH, PYUSD & More
PayPal Crypto lets you buy, sell, hold, and transfer crypto directly within your PayPal account—no separate exchange or wallet needed.
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PayPal Crypto: Buy, Sell, Hold...
What Is PayPal Crypto?
PayPal Crypto is PayPal’s built-in crypto offering that allows U.S. customers to trade and store select digital assets using fiat—just like sending payment to a friend.
Integrated into the main PayPal app, it includes everything from instant crypto checkout options to PayPal USD (PYUSD) support and simple recurring buys.
PayPal Crypto Overview
| Offer Type | Best For | Fees | Action |
|---|---|---|---|
| Crypto Trading & Wallet | PayPal users starting with crypto | 1.5–2.2% + ~1% spread | Visit Website |
How PayPal Crypto Works
With a $1 minimum, you can get started trading Bitcoin, Ethereum, Litecoin, Bitcoin Cash, or PayPal USD (PYUSD) instantly and securely.
- Access via PayPal App or Website: Navigate to “Crypto” in menu if eligible in the U.S.
- Buy Crypto: Purchase Bitcoin, ETH, LTC, BCH, or PYUSD with as little as $1 using bank or card.
- Hold & Track: View holdings in your account with real-time value updates.
- Spend with Crypto: Checkout where enabled—PayPal converts crypto to USD at checkout with no extra fee (~1% spread applies).
- Transfer Between Accounts: Send crypto to other PayPal or Venmo users or support external transfers (fees apply).
Key Features & Benefits
| Feature | Benefit |
|---|---|
| $1 Minimum | Low barrier to entry for new crypto users. |
| Trusted Platform | Trade within PayPal’s familiar and secure environment. |
| Few Supported Coins | Simple process with BTC, ETH, LTC, BCH & stablecoin PYUSD. |
| Instant Crypto Checkout | Pay with crypto at checkout at participating merchants using PYUSD conversion. (~1% spread applies.) |
| Transfer Capability | Send crypto to other PayPal or Venmo users or external wallets—network fees may apply. |
| Try PayPal Crypto Now | |
Who Is PayPal Crypto Best For?
- PayPal users experimenting with crypto for the first time
- Those wanting easy access and familiar UI without handling keys
- Users buying small amounts of crypto ($1+)
- Online shoppers wanting to use crypto at checkout
Pricing & Fees
- Buy/Sell Fees: 2.20% for $1–74.99, 2.00% for $75–$200, 1.80% for $200–$1,000, 1.50% over that. (PYUSD trades excluded.)
- Spread: ~1% markup on market price embedded in rate.
- Transfer Fees: Free PayPal/Venmo transfers; external wallet transfers carry network fees.
Trust & Security
- Crypto transactions powered by Paxos Trust Co., licensed by NYDFS.
- PayPal balances and crypto aren’t FDIC- or SIPC-insured; crypto custody is custodial.
- Credentials: App Store rating 4.8 (6M+ reviews), Google Play ~4.3.
Frequently Asked Questions
Can I withdraw crypto to my own wallet?
Yes, if supported—PayPal allows transfers to external wallets with a network fee. PayPal crypto cannot be transferred instantly without fees.
Why are PayPal’s crypto fees higher than exchanges?
PayPal charges via tiered flat fees and embedded spread for convenience and all-in-one access, rather than volume-based trading fees.
What’s PYUSD?
PayPal USD is PayPal’s stablecoin fully backed by USD cash and securities. It’s used for crypto checkout and earns 4% APY when held.
Is Pay with Crypto available now?
Yes. PayPal recently launched cross-border crypto payments at ~0.99% merchant fees that consumers can fund with crypto. Conversion to PYUSD happens automatically.
Ready to Buy Crypto with PayPal?
| Fees & Pricing | Trading Fees Apply |
|---|---|
| Minimum Deposit | $1–$99 |
| Platform Type | App Only |
| Investment Options | Crypto |
We appreciate your honest feedback. Share your real experience to help others make confident money decisions.
LJ –
Might be easy to use but it’s not best place to buy BTC. You don’t own the crypto purchased on PayPal.
Jason Vitug –
Thanks for sharing your experience.