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Top Alternatives to PayPal

Whether you're looking for better interest rates, lower trading fees, or specific features not offered by PayPal, this guide highlights the best alternative platforms to suit your needs.

Krak logo Best Match

New User Bonus

$10 bonus with $10 deposit

Interest Rates

BTCBTCBitcoin
0.1%
ETHETHEthereum
1%
StablecoinStablecoin
4.25%
Payouts
Weekly
Founded
2025

New User Bonus

1,000 points and 10% less fees with code: CIR

Interest Rates

StablecoinStablecoin
7%
Founded
2024

PayPal & Pyra both offer

  • pyusd
Pyra logo

New User Bonus

6% fee discount with code: 6ZBCN7

Interest Rates

StablecoinStablecoin
1.9%
Payouts
At end of term
Founded
2013
Maker Fee
0.2%
Taker Fee
0.2%

New User Bonus

Earn boosted rewards with referral code: 0ACZRU

Interest Rates

StablecoinStablecoin
8.42% UP
Payouts
Every second
Founded
2024

PayPal & Lulo both offer

  • pyusd
Lulo logo

New User Bonus

Up to $500 USDC with $50,000 deposit in a 3, 6, or 12-month Fixed Term

Interest Rates

BTCBTCBitcoin
4%
ETHETHEthereum
5%
StablecoinStablecoin
10% DOWN
Payouts
Daily
Founded
2017

New User Bonus

Buy $100 in crypto, get $10 in BTC

Interest Rates

BTCBTCBitcoin
1%
ETHETHEthereum
1.88%
StablecoinStablecoin
6.6%
Payouts
Varies
Founded
2017
Maker Fee
0.02%
Taker Fee
0.05%

Earn Interest on Crypto

Bitcoin logo BTC Bitcoin Ethereum logo ETH Ethereum Solana logo SOL Solana Ripple logo XRP Ripple Litecoin logo LTC Litecoin Dogecoin logo DOGE Dogecoin Circle logo USDC Circle Tether logo USDT Tether