Best brokers that accept PayPal (stocks, ETFs, crypto)!

PayPal has established itself as one of the most widely used digital payment solutions worldwide, offering fast and user-friendly transactions in more than 200 markets.

However, not all brokers support PayPal deposits and withdrawals, and those that do often differ in fees, processing times, and transaction limits.

If you’re looking for the best online brokers that accept PayPal, and want to understand how the payment process works, what it costs, and what to expect in terms of convenience and security, this article gives you a clear and updated overview.

Founded in 2007, eToro is an international online broker with more than 40 million registered users who can trade more than 6,000 stocks as well as ETFs, crypto and CFDs on stocks, ETFs, commodities, Forex, indices, and cryptocurrencies.

ETFs have no commission, as whole or fractional shares (other fees apply), and stocks cost $1 or $2 per trade, depending on the exchange and your country of residence.

eToro’s investment platform, accessible through both web and mobile, is a social trading hub. Investors can discuss markets, strategies, and news with others. eToro also allows users to replicate trading strategies (CopyTrader™) and invest in ready-made portfolios (Smart Portfolios) based on thematic strategies.

The demo account is particularly useful for beginners, offering $100,000 in virtual money. It provides real hands-on experience, mirroring live trading conditions. Note that there is a $5 fee on withdrawals from the USD account, while withdrawals from local currency accounts (GBP, EUR, AUD and DKK, depending on your country) are free. There is no inactivity fee.

eToro is regulated by top-tier authorities such as the UK’s Financial Conduct Authority (FCA) and the Australian Securities and Investments Commission (ASIC). Its European subsidiary, eToro (Europe) Ltd, is authorised and regulated by the Cyprus Securities and Exchange Commission (CySEC).

If you want to learn more, check out our eToro review.

Founded in 2004, XTB is a major player in the brokerage industry with extensive worldwide experience, with more than 2.9 million clients. It is regulated by the KNF in Poland, CySEC, the FCA and other authorities, and is listed on the Warsaw Stock Exchange.

You can invest through the xStation platform on web and mobile in different investment products, such as stocks, ETFs, and CFDs on stocks, Forex, indices, commodities, and cryptocurrencies (this product offering may vary slightly from country to country). It offers 0% commission on stocks and ETFs up to €100,000 of monthly turnover (0.2% above, minimum €10).

Opening an account and transferring money is a quick and hassle-free process. For beginners, it presents a demo account where you can trade as if it were real money to help you feel the investment platform firsthand, and you get access to educational tools. For intermediate and advanced investors, you will find plenty of technical and fundamental tools to help you better assess your investment decisions.

On the downside, XTB charges an inactivity fee of €10 a month if you have not traded for a year and have not deposited in the last 90 days. Spreads on cryptocurrency CFDs are also high, although forex costs are low.

You can go through our XTB review for additional insights.

Plus500 is an online broker that specialises in CFDs on forex, cryptocurrencies, stocks, commodities, ETFs, options and indices. It is available in 65 countries, is listed on the London Stock Exchange and holds 17 licences, including from the FCA, CySEC, ASIC and MAS.

The platform is accessible, responsive, and you can start testing the features by opening a demo account. Plus500 charges no commission and its spreads are competitive, but it charges a currency conversion fee of up to 0.7% and an inactivity fee of up to $10 a month after three months without logging in.

You can read our Plus500 review for further details.

PayPal brokers compared

How to deposit with PayPal

1. Log in to your broker account and open the deposit section.
2. Choose PayPal as the payment method. If it is not listed, it is not available in your country.
3. Enter the amount, ideally in your account’s base currency to avoid a conversion fee.
4. Log in to PayPal in the window that opens and confirm the payment.
5. The funds usually appear in your broker account within minutes.

Most brokers only let you withdraw to PayPal if you deposited with the same PayPal account, so keep it linked if you plan to use it for withdrawals too.

Factors to consider when making a deposit or withdrawal

Brokers offer a variety of deposit and withdrawal methods such as wire transfer, credit or debit cards, and e-payment methods like PayPal, Skrill and Neteller, among others.

Deposit and withdrawal methods are critical considerations because they directly affect your trading experience and may affect your returns if you incur high costs to fund or withdraw from your account. Below are four key factors to check.

Deposit and withdrawal fees

Be aware of the fees associated with deposits and withdrawals. High fees add to your non-trading costs and reduce your overall returns. Fees vary depending on the payment method:

• Wire transfer fees are usually the highest, because funds can pass through several intermediary banks before reaching your broker.
• Debit or credit cards usually carry a lower fee.
• E-wallets such as PayPal can be cheaper still, and sometimes no fee is charged.

If you plan to make frequent deposits and withdrawals, look for brokers with low deposit and withdrawal fees.

Deposit and withdrawal processing time

Processing time depends on the payment method and on the broker’s own approval process. Some traders consider it an important factor because they need their money available as soon as possible (for example, to meet a margin call before positions are closed).

Bank transfers usually take up to 3 to 5 business days, while online alternatives should take no longer than 24 hours, and sometimes only a few minutes. Check your broker’s website for its processing times.

Deposit and withdrawal minimum amount

Each broker has its own minimum amounts for deposits and withdrawals. Check them before opening your account, as they affect how much you need to start and how easily you can take out profits. Wire transfers often have higher minimums than other methods.

Withdrawals can also depend on your open positions, since brokers may restrict withdrawals to keep enough margin in your account.

Account base currency

If you deposit in a currency other than your account’s base currency, you pay a currency conversion fee. Some brokers only offer USD accounts, so funding from a euro account means a conversion on every deposit and withdrawal.

Bottom line

Brokers offer various payment methods, so check your options before deciding where to open an account. Among the brokers that accept PayPal, eToro stands out for investing in stocks and ETFs and for copy trading, XTB for its low trading costs and free withdrawals above a small threshold, and Plus500 for CFD traders who want a simple platform with free withdrawals.

Whichever you choose, look for fast processing at an acceptable cost and reasonable minimum deposit and withdrawal amounts, and confirm that PayPal is available in your country.

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