PayPal announced on Monday that customers in the United Kingdom will be able to buy, hold and sell cryptocurrency currency this week. Specifically, they can make transactions with Bitcoin, Ethereum, Litecoin, and Bitcoin Cash.
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There are no cryptocurrencies in PayPal, but there are transaction fees and currency conversion and transaction fees.
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Current Landscape: PayPal Crypto in the UK for 2025
Since PayPal first introduced cryptocurrency trading for UK users in 2021, the fintech and crypto landscapes have evolved dramatically. In 2025, PayPal has expanded its crypto offerings significantly, now supporting additional assets like Solana (SOL) and Ripple (XRP), reflecting growing demand for altcoins. The platform has also integrated with the UK’s Financial Conduct Authority (FCA) regulations, ensuring compliance with stricter 2025 crypto marketing rules designed to protect consumers.
One major shift is PayPal’s adoption of self-custody wallets, allowing users to transfer crypto off-platform—a feature absent in earlier iterations. This aligns with 2025’s “not your keys, not your coins” ethos, where users prioritize ownership. Additionally, PayPal now supports crypto payments at over 2 million UK merchants, up from just a handful in 2021, thanks to improved blockchain scalability solutions like Ethereum’s Dencun upgrade.
2025’s Crypto Trends Impacting PayPal Users
Tokenization of real-world assets (RWAs) is gaining traction, and PayPal is rumored to be exploring tokenized GBP stablecoins. Meanwhile, AI-driven portfolio tools within the app now help users optimize crypto holdings based on risk tolerance. With the UK’s Cryptoasset Framework in full effect, PayPal’s educational resources have expanded to include mandatory risk warnings and scenario-based learning modules.
Enhanced Insights: Expert Perspectives for 2025
Industry analysts highlight PayPal’s role in bridging traditional finance and Web3. “PayPal’s 2025 infrastructure reduces friction for first-time crypto buyers,” says Dr. Elena Rodriguez, fintech lead at Cambridge’s Digital Assets Hub. She notes that features like recurring buys (now available in GBP increments) and tax-loss harvesting automation address key UK user pain points.
Security remains paramount. Markus Fletcher, cybersecurity specialist at Chainalysis, advises: “Enable PayPal’s new quantum-resistant encryption for wallet logins, and always use their whitelisting feature for withdrawal addresses.” He also recommends linking PayPal Crypto to hardware wallets like Ledger Stax for large holdings—a 2025 best practice.
The Institutional Shift
PayPal’s 2024 partnership with BlackRock allows UK users to indirectly exposure to Bitcoin ETFs—a game-changer for retirement portfolios. This positions PayPal as a gateway for regulated crypto investments beyond speculative trading.
Practical Application: Maximizing PayPal Crypto in 2025
Step 1: Optimize Fee Structures
Use PayPal’s “Batch Buying” feature (launched Q3 2024) to reduce transaction fees by 30% when purchasing crypto in scheduled bulk amounts. Time buys during low-network congestion periods (check the in-app Gas Fee Forecast).
Step 2: Leverage New Tools
The Portfolio Rebalancer automatically adjusts your crypto mix monthly based on performance. For tax efficiency, enable the “HMRC-Report Mode” to generate ready-to-file capital gains statements.
Step 3: Secure Your Holdings
Activate Biometric Withdrawal Approvals and set up a dedicated banking alias for crypto transactions to simplify accounting. For holdings over £5,000, use PayPal’s new “Cold Storage Vault” option with 72-hour withdrawal delays.
FAQ: Your 2025 PayPal Crypto Questions Answered
1. Can I stake crypto through PayPal UK now?
Yes! As of March 2025, PayPal offers staking for Ethereum (ETH) and Solana (SOL) with 3.2% and 5.1% APY respectively. Note the 15% UK tax on staking rewards under current HMRC rules.
2. What’s the cheapest way to convert crypto to GBP?
Use PayPal’s “Direct to Card” feature to avoid 1.5% conversion fees—transfers under £1,000 to linked debit cards now process in minutes with 0% fees for Platinum members.
3. How does PayPal handle crypto forks or airdrops?
PayPal’s 2025 policy credits users with forked assets (e.g., if holding BTC during a fork) but excludes most airdrops due to regulatory uncertainty. Check the Asset
According to the release, the move will facilitate secure, secure access to cryptocurrency and encourage users to research and learn about the opportunities and risks before making a transaction. With the PayPal website or mobile app, customers can not only see real-time prices but also access educational content to help them make informed decisions. They will choose from pre-determined purchase prices or enter their own and after selling cryptocurrency, “funds are usually immediately available to use in their PayPal account,” the company said. Read more about daily talk for trending news.
This is the first international expansion of PayPal’s cryptocurrency service outside the United States. The release suggests that this could help cryptocurrency testing become more common in the UK. The epidemic has accelerated digital transformation and innovation in all aspects of our lives – including online investing and greater consumer acceptance of digital financial services, said a statement from Jose Fernandez da Ponte, Vice President and General Manager, Blockchain, Crypto and Digital Finance. Read more about Paypal Alternatives for High-Risk Business in 2021.
He added, “Our global reach, digital payment technology, and consumer and business knowledge, combined with strong control and compliance control gives us a unique opportunity, and responsibility, to help the UK people explore cryptocurrency. We are committed to continuing to work closely with UK regulators. , and globally, to offer our support – and play a significant role in creating a digital role for the future of digital finance and commerce.
PayPal announced last October that it would allow American customers to buy, hold and sell cryptocurrencies. In March this year, PayPal launched the “Checkout with Crypto” to enable U.S. customers to make purchases. Venmo, owned by PayPal, launched cryptocurrency services in April.
Square, PayPal, and Adyen:
The man sitting at a table with a cup of coffee: Investing in Fintechs: Square, PayPal, and Adyen © Provided by Motley Fool Investing in Fintechs: Square, PayPal, and Adyen
When it comes to processing fintech companies, Square (NYSE: SQ), PayPal Holdings (NASDAQ: PYPL), and Adyen (OTC: ADYE.Y) are in the class on their own. In this video clip of Fool Live, filmed on August 23, Fool.com participants Matt Frankel, CFP, and Brian Withers discussed the major differences between the three, as well as the viewer’s question about how much to invest in each of them.
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10 Stocks We Love Better Than PayPal HoldingsWhen our award-winning team has a stock tip, they can pay for compliance. After all, the booklet they had run for more than a decade, the Motley Fool Stock Advisor, has tripled in the market. They just expressed that they believed that the ten best stocks investors could buy right now. And PayPal Holdings was not one of them! That’s right – they think these 10 stocks are the best buy. See 10 shares Stock Advisor returns August 9, 2021, Teresa Kersten, a LinkedIn employee, a Microsoft assistant, is a member of the board of directors of The Motley Fool. Brian Withers is a square shareholder.
Matthew Frankel, CFP owns Square shares. Motley Fool owns shares and recommends Adyen NV, Microsoft, PayPal Holdings, and Square. Motley Fool recommends Adyen, Uber Technologies, and eBay and recommends the following: long-term calls January 2022 $ 75 to PayPal Holdings and short-term October 2021 $ 70 calls to eBay. Motley Fool has a disclosure policy.
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Do you think this is a dangerous assignment? “That depends, and we can’t offer personal advice. But let me talk a little bit about how I think about investing in a company. you continue to work and continue to invest in the market every month, that 25% will decrease over time. I like your holding Five Vision and I think Square will do well in the next five years. Just think about your share and what you want to do there and make sure you are diverse
Matt Frankel: Do we have time for anything else? Fading: Yes.
Frankel All right. I will respond to one from Brand New Fool on how Adyen compares Square to Afterpay. Adyen is based in the Netherlands. They are a real omnichannel player. When I think of PayPal, I think it’s mostly online. I said I bet they have a 95% non-current card rate. When I think of the Square, I think mainly of the person. Adyen does both. They have been more successful than Square and PayPal for major retailers. I believe Uber is an Adyen client.
Microsoft uses Adyen to process payments. Many of the world’s largest and largest companies do. They are the ones who changed PayPal on eBay if you remember the big news story last year where PayPal dumped eBay as their favorite payment system. Adyen is focused on major retailers. They are truly a global company. They work all over the world. North America I think a quarter of their income, which is big, big. It is an interesting market. A different kind of focus. Omnichannel, big retailers, and PayPal and Square are both very special, I would say.
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As we step into 2025, PayPal’s integration of cryptocurrency services in the UK marks a significant milestone in mainstream digital finance adoption. The ability to buy, hold, and sell crypto directly through PayPal simplifies the process for both beginners and seasoned investors, bridging the gap between traditional banking and decentralized finance. With secure transactions, real-time tracking, and seamless usability, PayPal continues to empower users to explore the evolving world of digital assets with confidence.
The future of cryptocurrency is undeniably bright, and PayPal’s role in this space is set to expand further. As regulations evolve and blockchain technology advances, we can expect even more innovative features—from staking rewards to broader token support. Now is the perfect time to familiarize yourself with crypto through a trusted platform like PayPal, whether you’re diversifying your portfolio or simply staying ahead of financial trends.
Ready to take the next step? Log in to your PayPal account today and explore the crypto dashboard. Have questions or insights to share? Drop a comment below or join the conversation on social media—we’d love to hear your thoughts on the future of digital currency!
People Also Ask
Is buying cryptocurrency on PayPal safe?
Yes, PayPal employs advanced encryption and fraud detection tools to ensure secure transactions, making it a reliable platform for crypto purchases.
What cryptocurrencies can I buy on PayPal in the UK?
As of 2025, PayPal supports Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), and Bitcoin Cash (BCH), with plans to add more assets.
Are there fees for crypto transactions on PayPal?
PayPal charges a small transaction fee for buying or selling crypto, which varies based on the amount and market conditions.
Can I transfer crypto from PayPal to an external wallet?
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