Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Is it worth paying for

PayPal

40
Value score / 100 Worth paying? No Skip it

PayPal is a widely used payment app with a high lifetime rating, but recent reviews highlight significant issues with customer service, account holds, and app functionality, making it a questionable choice for reliable financial transactions.

Free to download seen up to $1500 4.8★ lifetime (6,298,687) since 2019

While PayPal boasts a high lifetime rating and is used by many for secure online payments, recent user reviews reveal severe problems with customer support, funds being held, and a clunky app experience. Many users report issues with fraud protection, account access, and persistent notification spam, making its value proposition for both free and paid features highly inconsistent.

Free vs paid

PayPal is primarily a free service for sending and receiving money, with in-app purchases noted for various transaction types, though specific paid features are not detailed in reviews. Users report being charged for services without agreement R7 and experiencing issues with currency conversion rates R38. The app offers features like 'Pay in 4' for installment payments, but some users report fraudulent charges and holds associated with it R2. Cash back offers are available, but users desire more in-store options R69. The core functionality of sending and receiving money is free, but issues like money being held for extended periods R8R9R238 and difficulties with refunds R1 significantly diminish its free value.

Value complaints

  • Users report being charged for services they didn't agree to, such as 'Pro Membership subscriptions,' with PayPal denying their disputes.R7
  • The app is criticized for hidden currency conversion charges, where transactions are shown in one currency but charged in another with a poor conversion rate.R38
  • Some users experience multiple charges for down payments when using features like 'Pay in 4,' with PayPal blaming vendors and offering no resolution.R2
  • PayPal is accused of holding money ransom, especially with its credit card, by delaying the release of available balance after full payments, potentially to earn interest.R21
  • Users complain about PayPal taking a significant amount of money from transactions, and funds getting stuck in the app for extended periods.R8

Where it delivers

  • Some users find PayPal to be a secure way to pay online and appreciate its 'Pay in 3' feature for splitting payments.R262R369R176
  • The app is considered useful for receiving paychecks and saving money by some users.R40
  • A few users have had positive experiences with customer service, reporting quick resolution for double charges and pending transactions.R127
  • Some users appreciate the cash back offers available within the app, though they desire more variety.R69
Worth paying if

It is not clear from the reviews what specific paid features exist or if any in-app purchases are consistently worth it, as most complaints revolve around core service failures rather than paid benefits.

Skip / stay free if

You should skip PayPal if you value responsive customer service, consistent access to your funds, and a reliable app experience, as many users report significant problems in these areas R3R15R32R35. If you are concerned about your money being held without clear reason or extended periods, or if you frequently need to dispute transactions, alternatives might be better R8R9R238.

Evidence note: The lifetime rating of 4.78 is significantly higher than what recent reviews suggest, which are predominantly negative, focusing on critical issues like customer service, account holds, and app functionality. This indicates a potential decline in user satisfaction or a skew in recent feedback compared to the overall user base.

Frequently asked

Is PayPal's customer service helpful?
Many users report PayPal's customer service as unhelpful, pathetic, or non-existent, often relying on AI with limited solutions and long hold times R3R15R32R35.
Does PayPal hold user funds?
Yes, numerous users report PayPal holding their money for extended periods, sometimes for a month or more, without clear reasons or assistance R8R9R238R574.
Are there issues with PayPal's app functionality?
Yes, users frequently report the app running slow, getting stuck, not allowing sign-ins, failing to process payments, and lacking full functionality compared to the website R6R47R52R342.
Does PayPal send unwanted notifications?
Yes, many users complain about the app sending unwanted push notification ads and promotional offers, even when marketing notifications are turned off in settings R19R22R23R24.
Is PayPal reliable for fraud protection?
Many users report PayPal denying their fraud claims or not having their back when scammed, even with proof R1R7R39.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R7] 1/5 · US I got charged unconsciously: There's a website to make passport photo with black blazer. I downloaded the photo with $0.10 and log in PayPal once to make that transaction. This logging-in gave the website accessibility to charge me $49.90 for something likely called "Pro Membership subscription" without any agreement, receipt and I didn't receive any service but had to pay. PayPal denied the case
  2. [R38] 1/5 · US Hidden currency conversion charges: The app is a scam. It will show your charges in one currency and charge in another using a very terrible conversion rate.
  3. [R2] 1/5 · US Subpar: DO NOT USE PAYPAL. This is the third time I have used pay in 4. They approve it and charge your bank the down payment 3 times and hold the money for 3 days. They blame the vendor and say there is nothing they can do. Fraud. Stay away use any other payment system
  4. [R21] 1/5 · US PayPal Mastercard: PayPal Mastercard tries to hold your money ransom if you pay your card off in full. I paid my card off 7/2/26 and called today to see why the available balance hasn’t changed. They said they will release the “hold” 7/17/26 because my account was opened less than 6 months ago. When I paid $80 or so for the payment they released the “hold” after a couple days. They clearly just wa
  5. [R8] 1/5 · US No good: Every time i try to use this app they take so much money and now my money is stuck inside the app for 30 days this app sucks
  6. [R262] 5/5 · GB Worry free payments: Love this app it’s a secure way to pay whatever needs paying. I use it a lot even better now with pay in 3 opens up the more expensive buys but splits it in 3 payments I’ve found this a very helpful secure way to pay. Great app!
  7. [R369] 5/5 · GB Makes buying on line safer: When buying or paying on line I use PayPal whenever available. I have used it for at least 15 years. It gives me a feeling of security.
  8. [R176] 5/5 · US Great app: Started using it recently have to say I feel secure using this in unknown websites if I ever want to make a purchase online
  9. [R40] 5/5 · US Great: I use this get my pay Check and to save money
  10. [R127] 5/5 · US Purchased Tickets: I had double charged for tickets I have purchased. Straight away a real person had taken care of it. Secondly, the remaining tickets had to be taken care of as well. Reason is I had never received confirmation from the merchant. Since the charge was still pending a real person, customer service representative deleted the charge. I have been with PayPal since the beginning, and t
  11. [R69] 4/5 · US Offers expanded?: I like that PayPal gives cash back offers within the app but I feel like they could expand it and provide more in store offers. I feel like that would make me as a consumer that likes to go into stores more than online be able to take advantage of the offers more.
  12. [R3] 1/5 · US WORST CARD I HAVE EVER HAD NEVER GET IT: horrible app, horrible card, horrible company, horrible customer service, the absolute worst I have ever dealt with. DO NOT WASTE YOUR TIME OR MONEY THESE THIEVES WILL TAKE IT ALL.
  13. [R15] 1/5 · US Digital company but no online support: Every time I have some issue I have to call as the chatbot and agents from support don’t solve anything. Only in the USA a digital company for online payments still living in the phone age.
  14. [R32] 2/5 · US Be Cautious!!: When everything goes right, it’s GREAT! However, if there is an issue with a seller you’re screwed! Real reviews are based on HOW a company acts when things don’t go right. Good luck contacting a person. PayPal only has an A.I. interface with limited help. Their system is not designed for business that engage in fraudulent practices.
  15. [R35] 1/5 · US Worst experience: The customer service is so pathetic, they promise something any they don’t keep their promises, it happened with me 3 times. Very disappointed with PayPal customer service.
  16. [R9] 1/5 · US Where is my money: My friend sent me $1,000 over a month ago and they have not given it to me, it just stays in pending. I have called them and it hangs up saying unavailable at this moment. Never use this app
  17. [R238] 3/5 · US I don’t like any kind of inconveniences: I play games on an app called KashKick for extra funds and I recently sold my old phones to an online retailer. I did not know PayPal would hold your money hostage and out you through hoops to prove if you’re a seller or not. Luckily I got the nonsense straightened out right away but I will refrain from using PayPal anymore. I do not like any sort of inconv
  18. [R574] 3/5 · CA Easy to use till they screw with you: Lately I and other people have been having big issues with PayPal. They mark my account as a business and take my money on hold when I do not have products or things to be liable over. When i call the customer service it can be great and they help but when I asked “why did my account get permanently limited” they just say something like its written off a paper
  19. [R6] 3/5 · US App runs so slow: App runs so slow. It takes forever to bring up the home page and then trying to get to the screen to unlock it is horrible as well. My app is updated to the latest update. I’ve had PayPal over 10 years please fix this
  20. [R47] 3/5 · US Issues since last update: Never had a problem with this app until the latest update. Now I’m rarely able to move money around and it takes forever to get my Cash back points. The app won’t let my husband and I send money to each other and I still have points pending from almost a month ago. I hope this gets fixed soon 😕
  21. [R52] 3/5 · US app: since last week i loved my pay pal now everytime i go to open my app it will not open i’ve done everything. I close the account like the account of my Facebook off my phone reinstall it shut my phone off to Noeville PayPal. I cannot get into anymore so I don’t like them.
  22. [R342] 3/5 · GB Can’t log in: I love PayPal and always use it when I can. But recently the app Won’t allow me to log in. I can sign in on the website but not the app. I’m using the same details. Very frustrating
  23. [R19] 1/5 · US Ad push notifications: Started sending push notification ads today after years of trusting it for financial urgency. Turned off now.
  24. [R22] 1/5 · US Bad Behavior Notifications: PayPal app has badly behaving notifications. Two categories for notifications under ‘You’re receiving…’ that are unchecked, but are still sending notifications. I assume the category is ‘announcements offers and incentives tailored to you’ but it’s just trash promotions.
  25. [R23] 1/5 · US Sends you junk push notifications: The app sends you advertisements for PayPal garbage. There’s a setting to turn these notifications off, but it ignores that setting.
  26. [R24] 1/5 · US Spam push notifications: It’s important to get transactional notifications from an app like this, but you should not abuse that by spamming me with credit card offers.
  27. [R1] 1/5 · US Got scammed: Paypal let a company named Deeply scam me big time PP reimbursed me 89.00 because I was charged for an item (double order)I didn't order then turned around and denied me and took the 89.00 back. I was willing to return the item but never received instructions from the company Deeply. So don't think PP will have your back and protect you.
  28. [R39] 1/5 · US PayPal is a scam: I write this review after being a member of PayPal for 30 years!!!! TEMU ordered an outdoor furniture set on my behalf without my permission or request and used my PayPal account to pay for it while I was asleep at 2:30 am. I contacted PayPal immediately upon awakening after seeing the transaction and disputed the fraudulent charges of $400 to multiple PayPal representatives

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store