By AppHub Editorial Team · Updated August 3, 2026
PayPal - Pay, Send, Save
Overview
Finance
PayPal Mobile
Free
No
Features
PayPal is a smart and secure way to shop in-store and online, earn cash back on brands you love, send money to friends and much more.
SAVE OFFERS IN THE APP
Get cash back offers from brands you love. We’ll automatically apply them at checkout
SEND AND REQUEST MONEY FOR FREE Securely send and receive money with just about anyone in 120+ countries It’s free to send and receive with...
PayPal is a smart and secure way to shop in-store and online, earn cash back on brands you love, send money to friends and much more. SAVE OFFERS IN THE APPGet cash back offers from brands you love. We’ll automatically apply them at checkout
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Ratings breakdown
3,630,000 reviewsDeveloper contact
Name
PayPal, Inc.
Address
2211 N 1st St San Jose, CA 95131 United States
Website
https://www.paypal.com/mobilePhone
+1 212-699-3455
Support
app-feedback@paypal.com
Privacy
View policyFrequently Asked Questions
Is PayPal free to use for sending money to friends? high
Yes, according to the app description, sending and requesting money is free when you fund the transaction with a bank account or PayPal balance, and you are sending within the US to friends and family.
Source: app_metadata
Does PayPal offer cash back rewards? medium
Yes, the app description states you can earn cash back through offers and the PayPal Debit Card offers 5% cash back on a category you choose each month. However, recent user reviews report that cash back rewards may sometimes stay pending for months or not credit at all, which is a known complaint.
Source: app_metadata, user_reviews
Are there any fees for using PayPal? medium
Sending money to friends and family in the US is free when using a bank account or PayPal balance. The app description also mentions terms for rewards and other services. User reviews mention unexpected fees being held against their account balance.
Source: app_metadata, user_reviews
Can I use PayPal to buy cryptocurrency? high
Yes, according to the app description, you can buy, sell, and hold Bitcoin, Ethereum, PayPal USD, Bitcoin Cash, and Litecoin through the app, subject to terms and availability.
Source: app_metadata
How do I get the PayPal Debit Card? high
You can request the card within the app. The description says no credit check is required, and a PayPal Balance account is needed. The card works wherever Mastercard is accepted and offers 5% cash back on a monthly category.
Source: app_metadata
How to Use
PayPal is an app that allows US users to securely send and receive money, shop online and in-store, earn cash back rewards, and access financial tools like savings, crypto, and a debit card. (app_description)
Getting Started
Source: app_description_and_user_feedback_noted
- Download the PayPal app from Google Play and create an account with your email and phone number.
- Link a bank account, debit card, or credit card to your PayPal wallet to fund transactions and transfers.
- Set up your PayPal Balance account if you want to use the debit card, savings, or hold crypto (optional).
- Explore the app's main features: send money, request money, view cash back offers, track packages, and manage your balance.
- Note: Some users have reported login verification loops and app slowdowns; ensure you use a stable internet connection and keep the app updated.
Key Features (from app listing)
Source: app_description
- Send and request money for free to friends and family in the US when funded by bank account or PayPal balance (120+ countries supported).
- Cash back offers from brands automatically applied at checkout with eligible items.
- PayPal Debit Card (Mastercard) offering 5% cash back on a monthly category of your choice (up to $1000 spend/month).
- Buy, sell, and hold cryptocurrency: Bitcoin, Ethereum, PayPal USD, Bitcoin Cash, and Litecoin.
- High-yield PayPal Savings account with a competitive APY (variable rate, provided by Synchrony Bank, Member FDIC).
- Track packages by linking Gmail or Outlook.
- Buy Now Pay Later options: Pay in 4 and Pay Monthly (subject to eligibility).
This tip addresses the verified user complaint (medium confidence) about cash back rewards pending indefinitely or not crediting, as reported in recent_reviews #2 and #3. The suggestion to check rewards history comes from the app's described features (cash back tracking). No direct reviewer solution was provided.
How this content was created
Content type: pattern_analysis_of_user_reviews_and_metadata
AI generated: Yes
- Google Play user reviews (12-20 preferred; may be smaller if source data is limited per app), September 2025 to February 2026
- Google Play ratings distribution
- App Store listing metadata
- Review samples are not statistically representative of all user sentiment.
- Only recent_reviews (5 reviews) were available; positive and mixed samples are absent, so pros may be underrepresented.
- Claims labeled 'low confidence' are based on absence of positive evidence in a small sample.
- Claims labeled 'medium confidence' are based on 2 reviews within the same bucket, which is weaker than cross-bucket corroboration.
- No real-world app testing was conducted.
- Feature availability may vary by region, device, and app version.
Pros & Cons
Based on analysis of Google Play user reviews
Pros
- Useful for online banking and sending/receiving money.
Theme 'Basic banking functionality' identified in recent_review #3
Evidence (1)
“I've been with PayPal quite a while. as an online bank they are ok.”Rating: 2★ September 24, 2025 1,009 likes - Cash back rewards program is offered, though not always honored.
Theme 'Rewards program exists' identified in recent_review #3
Evidence (1)
“they are supposed to pay 5% back to you on certain purchases. I chose groceries. and I have spent over $400 in the past two months and they have not added the rewards compensation.”Rating: 2★ September 24, 2025 1,009 likes - Instant transfers to debit cards and bank have been reinstated as of Feb 2026.
Theme 'Feature reinstatement' identified in recent_review #1
Evidence (1)
“They took away instant transfers to your debit cards and bank. *As of Feb '26 it's been reinstated.*”Rating: 1★ February 12, 2026 495 likes
Cons
- Money disappears from accounts or is held without explanation, with poor dispute resolution.
Theme 'Money disappearing and poor dispute resolution' identified in recent_review #1 and #5
Evidence (2)
“I've had money just disappear. from my account.”Rating: 1★ February 12, 2026 495 likes“Transactions that never happened, no receipt for transactions that did happen. Crazy excuses to refuse moving money or accepting payments.”Rating: 1★ September 23, 2025 3,887 likes - Cash back rewards are not honored, with no response from support after multiple attempts.
Theme 'Unhonored cash back rewards' identified in recent_review #3
Evidence (1)
“they do not seem to honor the rewards program that they offer. ...I have spent over $400 in the past two months and they have not added the rewards compensation. I have sent 9 e mails without response.”Rating: 2★ September 24, 2025 1,009 likes - App is broken with features like credit section not loading for weeks.
Theme 'App not working' identified in recent_review #4
Evidence (1)
“app doesn't work anymore. if you try to go to credit, it reloads for about 5 minutes and then says unavailable. this has been going on for weeks.”Rating: 2★ September 11, 2025 1,404 likes
Recent Reviews
Victoria Chilko
1★It used to be a great app, but they've made changes that suck. Now I've got money sitting in my account I can't use, they claim it's fees that weren't taken yet. I've had 2 disputes and they resolved against me. They took away instant transfers to your debit cards and bank. *As of Feb '26 it's been reinstated.* Had a money transfer that was returned to me, that I never got back and they blamed on the other party's bank, it had no part in it. And I've had money just disappear. from my account.
J N C Davis
3★Okay, why is it that sometimes cash back rewards instantly calculate but other times it'll stay pending? I had one pending for three months, some for several days, while most of them clear within minutes. This is my only complaint. But, I do have a bunch of friends that stopped using PayPal. One because someone hacked and stole their money and PayPal didn't investigate it for them, an other because some reason money started disappearing off their linked bank card while they weren't using it....
Jen Foley
2★I've been with PayPal quite a while. as an online bank they are ok. HOWEVER . they do not seem to honor the rewards program that they offer. they are supposed to pay 5% back to you on certain purchases. I chose groceries. and I have spent over $400 in the past two months and they have not added the rewards compensation. I have sent 9 e mails without response. so I called today and I have to wait 2 days on call back while they investigate! it should not be this hard to collect what they offer!
Kirsten
2★app doesn't work anymore. if you try to go to credit, it reloads for about 5 minutes and then says unavailable. this has been going on for weeks. According to PayPal, somehow their app is a bank issue and nothing to do with them. synchrony bank rightfully blames PayPal. seems like both sides know it's a problem but no one has a solution so until it's fixed I don't recommend using PayPal at all. you can't view or pay for your transactions right now.
Eliza Sikes
1★I'm not sure what has happened, but my entire account is messed up. Transactions that never happened, no receipt for transactions that did happen. Crazy excuses to refuse moving money or accepting payments. Log in issues every single day! Asked to verify personal info over and over and over. constantly having to login to make any kind of money movement. Sickening.