According to its official UK website, PayPal is a payment service that lets users pay online and in store, send and request money and manage their money in one place. Buyer protection on eligible purchases, debit, credit and buy now pay later options, PayPal+ rewards points, transaction and subscription tracking, package tracking and shared money Pools are offered; fees apply when converting currency and sending money abroad. Services in the UK are provided by PayPal UK Ltd (company no 14741686): the site states that it is authorised and regulated by the FCA as an electronic money institution (FRN 994790), in relation to regulated consumer credit activities (FRN 996405) and for the provision of cryptocurrency services (FRN 1000741); the crypto registration is an anti-money laundering (MLR) registration, not an investment-services licence. Some products, such as PayPal Working Capital, are not regulated by the FCA. Its registered office is 5 Fleet Place, London. The group's Australian entity PAYPAL AUSTRALIA PTY LIMITED (AFSL 304962) holds an AFS licence from ASIC. This information is the company's own statement.
Datos de la cuenta
TIPOS DE CUENTAPersonal and business accounts
DEPÓSITO MÍN.Not stated
PLATAFORMASPayPal mobile app · Website
PRODUCTOSOnline and in-store payments · Sending and requesting money · Buyer protection · Buy now pay later and credit · PayPal+ rewards · Cryptocurrency services
Licencias y regulación
FCA (Reino Unido)
N.º de licenciaFRN 994790
Titular de la licenciaPayPal UK Ltd
AlcanceListed in the FCA register as an Authorised Electronic Money Institution under PayPal UK Ltd (FRN 994790) since 31 Oct 2023.
EstadoVerificada
FCA (Reino Unido)
N.º de licenciaFRN 996405
Titular de la licenciaPayPal UK Ltd
AlcanceListed in the FCA register under PayPal UK Ltd (FRN 996405); status Authorised since 31 Oct 2023. It holds consumer credit permissions for lending, debt collecting and debt administration.
EstadoVerificada
FCA (Reino Unido)
N.º de licenciaFRN 1000741
Titular de la licenciaPaypal UK Ltd
AlcanceRegistered with the FCA as a cryptoasset firm under the Money Laundering Regulations: Paypal UK Ltd (FRN 1000741); registered since 31 Oct 2023.
EstadoVerificada
ASIC (Australia)
N.º de licenciaAFSL 304962
Titular de la licenciaPAYPAL AUSTRALIA PTY LIMITED
AlcanceAFS licence held since 11 Jan 2007. According to ASIC's record, authorised to deal in non-cash payment products for retail and wholesale clients.
EstadoVerificada
Quejas de usuarios
Los informes de usuarios encontrados en internet se clasifican por tema. Los gráficos muestran cómo se distribuyen; los informes se recopilan a partir de registros de Trustpilot, WikiFX y Şikayetvar, y los registros de una misma persona se cuentan una sola vez.
Periodo analizado: enero de 2026 – octubre de 2026
Retiros y pagos: 58
Bloqueo y congelación de cuentas: 17
Operaciones no autorizadas: 10
Atención al cliente: 10
Préstamos y tarjetas de crédito: 7
Tarifas y comisiones: 3
Otros: 3
MUY ALTO — NIVEL DE QUEJAS
El 3 % de las entidades con registros de quejas recibió más quejas que esta.
POR TEMA — Retiros y pagos: Muy alto · Bloqueo y congelación de cuentas: Alto · Operaciones no autorizadas: Muy alto · Atención al cliente: Alto · Préstamos y tarjetas de crédito: Muy alto · Tarifas y comisiones: Alto · Otros: Medio
The complaint distribution is based on the latest 1-star reviews on PayPal's Trustpilot page (100) and Şikayetvar (8) records as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the PayPal name are left out. Across the complaints, dispute decisions and held payments, accounts restricted with funds inside, and unauthorised charges stand out.
Fuentes e historial de verificación
Fuentes oficiales de la empresapaypal.com/uk — homepage and footer (legal information)
Registros del reguladorFCA — PayPal UK Ltd, FRN 994790 and FRN 996405; Paypal UK Ltd, FRN 1000741 (register.fca.org.uk) · ASIC — PAYPAL AUSTRALIA PTY LIMITED, AFSL 304962 (data.gov.au)
Registro mercantilCompanies House — PayPal UK Ltd, company no 14741686, incorporated 20 Mar 2023
Fuentes de opiniones de usuariosTrustpilot · Şikayetvar · WikiFX
ForexQ.com
