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PayPal vs Uphold: fees, withdrawals, safety and which to use
For a $1,000 bank-transfer buy, PayPal costs $18, compared with $20 on Uphold.
PayPal vs Uphold fees
In dollars, here are PayPal and Uphold fees for $1,000, taken from the pages each exchange publishes.
| $1,000 and the basics | PayPal | Uphold |
|---|---|---|
| Buy by bank transfer (ACH) | $18 | $20 |
| Buy by debit card | – | $39.90 |
| Buy with PayPal | $18 | – |
| Cash out to your bank (ACH) | – | $0 |
| Cash out instantly to a debit card | – | $17.50 |
| Send Bitcoin to a wallet | – | $3.22 |
| States it does not serve | Hawaii | Louisiana, American Samoa, Guam, Puerto Rico, Northern Mariana Islands, U.S. Minor Outlying Islands, New York, U.S. Virgin Islands |
| Serves New York | Yes | No |
| Bank withdrawal | – | Free, standard: at most 5 working days |
| NYDFS licence | Yes | No |
| App Store rating (ratings) | 4.8 (6,299,060) | 4.7 (91,020) |
| Google Play rating (ratings) | 4.2 (3,740,000) | – |
| Coins listed | – | 300 |
A dash in a row means the exchange has published no number for it; "Not offered" means that method isn't supported.
PayPal vs Uphold in your state
Only PayPal serves Louisiana, American Samoa, Guam, Puerto Rico, Northern Mariana Islands, U.S. Minor Outlying Islands, New York, U.S. Virgin Islands; Uphold serves none of these places.
Hawaii is served by Uphold, but not by PayPal.
PayPal vs Uphold withdrawals
The pages we read don't include a PayPal bank withdrawal fee or time.
Bank withdrawals from Uphold are free and take standard: at most 5 working days (free); instant: immediately (1.75%, min $1).
PayPal vs Uphold safety
PayPal holds a licence or charter from NYDFS for New York.
Uphold doesn't hold an NYDFS licence for New York.
PayPal vs Uphold apps and coins
Ratings of 6,299,060 give the PayPal app a 4.8 out of 5 score on the App Store, while 3,740,000 ratings put it at 4.2 on Google Play.
The Uphold app earns a 4.7 out of 5 rating on the App Store, based on 91,020 ratings.
Which should you choose, PayPal or Uphold?
- Go with PayPal if you want the PayPal app, with its simple buy screen.
- Go with Uphold if you want the Uphold app, with its simple buy screen.
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