Revolut vs. PayPal: Which is the better choice?

Revolut and PayPal are two of the world’s best global money systems. Both companies were formed and are determined to solve all the global payment problems we currently have in the world. But while they offer very similar services, each payment system has certain distinctive features that make it stand out from the others. This Revolut vs. Paypal comparison identifies what makes each system better and which one is the best for you. 

As a user, you want to closely examine each key feature to determine which of the two systems would be most suitable for you. Unfortunately, this is not very easy. Instead, we suggest looking at a few key features that are most relevant to every user. 

Introducing Revolut and PayPal


Revolut offers digital banking services and international money transfer services for merchants and personal users from different countries. Anyone can receive money, create detailed budgets, save money and have access to cryptocurrencies and multi-currency accounts with Revolut.


PayPal is a digital wallet that allows users to transfer and receive money from several locations in the world with just their email and phone number. This digital wallet provides for quick and easy transfers. Customers who have connected their bank accounts to the service can buy goods and services online with funds in their PayPal account. Alternatively, received funds can be withdrawn or transferred to others as you wish.

Revolut vs. PayPal features comparison

Ease of Use


With Revolut, you can easily begin your transfers with a quick signup process. The easiest method is to create an account on the Revolut app. The application is available for both Android and iOS users on the respective Play Store and App Store services. 

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After opening your Revolut account, you can begin transferring funds with your credit or debit cards. You can link your Revolut account to your Google or Apple Pay to make faster payments with Revolut.


Signing up on PayPal takes a little more time than it does on Revolut. You can do this visit the PayPal website on your computer or downloading the mobile app (also compatible with Android and iOS). This is the official PayPal website; be careful not to visit a phishing website because scams are very common on the internet. 

After opening your PayPal account, you will be asked to connect it to your bank account and credit card. The process is different depending on your location, but it allows you to send money directly from your account or credit card and receive funds. You can then immediately fund your account and begin making payments and withdrawals with PayPal. debit or credit card.



Transaction fees on Revolut will mainly depend on the type of account you selected during the signup process. You can choose between a standard, plus, premium or metal account charged at ‘free’, £2.99, 6.99 and £12.99 respectively. Higher tiers such as premium and metal users enjoy additional perks such as a junior account, free card delivery and purchase protection. 

In addition, you can earn interest on the savings you hold that increase along with the level of membership. As for charges when sending money, the exact amount of fees will be indicated at the time of the transaction. Nevertheless, most fund transfers are free except in just a few instances. 

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On the other hand, PayPal does not have any membership fees, whether you’re using a merchant or personal account. However, the company makes money by imposing a fee for all transactions. This can vary depending on the type of account or transaction and ranges between 1.90% to 3.50%. 

Currencies and availability

Although both companies claim to offer global financial services, neither covers the entire globe. 


On Revolut, for example, it is only available in 28 currencies including the majors and minors. However, it would not be possible to receive funds through Revolut in certain currencies, leaving users with conversion rates and other problems. On the other hand, customer support on Revolut is available 24/7 by phone and live chat, making it easier to settle disputes and negotiate terms on the platform. 


Meanwhile, PayPal support is hard to get to. Live chat support is usually slow and not available on the weekends. During our Revolut vs. PayPal review, the initial response generally took more than 2 hours and major disputes take up to 180 days to resolve. At the same time, phone calls were also slow to be answered. 

What PayPal does well, though, is that it has extensive support for multiple currencies numbering over 200. In fact, it is even available in developing countries where banking may not be as efficient making it the preferred method of transacting. 

International use

Online payment services should provide ease of transactions across borders, and both services have attempted to fulfil this need. 


Users of Revolut have the advantage of receiving a MasterCard debit card. When using it beyond your resident country, you’re not charged conversion fees for transactions up to £5,000 for a month. Additional transactions will attract a 0.5% fee, which is still lower than most credit/debit card providers. 

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So far, PayPal remains to be an online-only service. It’s yet to provide a service for offering physical debit or credit cards but it does offer credit services. For purchases up to £99.00, the standard rate is 21.9% p.a. This is still quite higher than other services but it’s good to know it’s available. Plus, PayPal is internationally recognized and most merchants will accept payments in PayPal. 

Which is better: Revolut or PayPal?

When we consider all these comparison factors, it becomes clear that Revolut is better than PayPal in many ways. For example, when it comes to travel money and international money transfers, Revolut sports a clear edge in its features.

Yes, PayPal also excels in some way, like its extensive currency support. Its merchant solution also makes it exquisitely easy for online merchants to charge for the services they provide, the ever-active protection against online fraud.

However, Revolut triumphs with some more appetizing and uniquely personal features. It is a more transparent platform than PayPal, easier to use and apparently, more optimized for digital banking.

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