Updated September 29, 2026 · VaultCue Editorial Team
Ebury vs PayPal Colombia
Ebury
PayPal Colombia
Higher score in this comparison
Ebury vs PayPal Colombia: the differences
| Compare | EburyReviewSee alternativesSee alternatives | PayPal ColombiaReviewSee alternativesSee alternatives |
|---|---|---|
| Deposit protection | FSCS up to GBP 85,000 | FDIC up to USD 250,000 |
| Currencies | 140Higher | 24 |
| Local account details | IBAN, UK sort code, Us ACHCovers more | Us ACH |
| Transfer fee | Free instant transfers between Ebury holders; other transfer fees quoted per transaction | 0% from PayPal balance or linked bank account (2.90% + fixed fee by card); 5.00% international, min 0.99 USD, max 4.99 USD |
| Monthly fee | Not confirmed | $0 |
| Currency conversion fee | Not confirmed | 3% to 4% |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- PayPal Colombia scores higher overall: 9.2 vs 9.0.
- Founded is lower at PayPal Colombia: 1998 vs 2009.
- Ebury is available in 32 more countries.
- Currencies is higher at Ebury: 140 vs 24.
- Local account details: only Ebury offers IBAN, UK sort code.
- Audience: only PayPal Colombia offers Expats, Travelers.
- Pricing model: only Ebury offers Low FX.
- Pricing model: only PayPal Colombia offers No monthly fee.
Our verdict on each
Ebury
Ebury suits UK businesses that pay suppliers and collect from customers across many markets, all in one account holding 140 currencies under a low-fx model. Instant transfers between Ebury holders cost nothing, and delivery is Same-day, so routine payments move without a per-transfer charge.
PayPal Colombia
PayPal suits expats, travellers and small businesses who want to send money from their balance at no charge and see it land in Seconds. The cost sits in conversion, where a fee of 3% to 4% and a 3% to 4% exchange rate markup both apply, and the 3.3% rate is variable.
Score breakdown
| Area | Ebury | PayPal Colombia |
|---|---|---|
| Cost | Not confirmed | 9.0Transfer fee of $0 from a balance, but conversion costs 3% to 4% with a 3% to 4% markup. |
| Offer | 9.5Higher | 8.8 |
| Trust | 8.7 | 9.6Higher |
Which one suits you
Pick Ebury if offer, currencies, and local account details matter most.
Pick PayPal Colombia if trust matter most.
Availability and regulation
| Country | Ebury | PayPal Colombia |
|---|---|---|
| United Kingdom | Not confirmed |
Additional countries for Ebury: 33. Additional countries for PayPal Colombia: 1.
If neither fits
DNB has currencies at 170, against 140 for Ebury and 24 for PayPal Colombia.
DNB reviewSources behind this comparison
Ebury
- ebury.com: 10 facts, checked September 26, 2026
PayPal Colombia
- paypal.com: 9 facts, checked September 26, 2026
- play.google.com: 3 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
How they place
| Ranking | Ebury | PayPal Colombia |
|---|---|---|
| Business bank accounts | 141 of 563 | 85 of 563 |
| Money transfer services | 254 of 1564 | 157 of 1564 |
| Multi-currency accounts | 136 of 348 | 88 of 348 |
Every fact side by side
| Fact | Ebury | PayPal Colombia |
|---|---|---|
| Audience | Business | Expats, Travelers, BusinessCovers more |
| Pricing model | Low FX | No monthly fee |
| Features | Not confirmed | Free ATM, No credit check |
| Legal entity | Ebury Partners UK Limited | PayPal, Inc. |
| Headquarters | United Kingdom | United States |
| Founded | 2009 | 1998Lower |
| Support channels | Email, Phone | Email, Phone |
Money transfer
| Fact | Ebury | PayPal Colombia |
|---|---|---|
| Exchange rate markup | Not confirmed | 3% to 4% |
| Delivery time | Same-day | Seconds |
| Payout methods | Bank | Bank, CardCovers more |
| Fee to send 1,000 | Not confirmed | $0 |
Savings
| Fact | Ebury | PayPal Colombia |
|---|---|---|
| Headline rate | Not confirmed | 3.3% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | $0 |
| Access terms | Not confirmed | On PayPal.com or the PayPal app with 24/7 access; deposits pull via PayPal Balance from a linked debit card or confirmed bank account, and withdrawals go back to PayPal Balance first |
| Account kind | Not confirmed | Easy access |
Where each stands against the rest
| Fact | Ebury | PayPal Colombia | Median |
|---|---|---|---|
| Monthly fee | Not confirmed | $0at the median | $0 |
| Currency conversion fee | Not confirmed | 3% to 4%highest quarter | 0.5 |
| Currencies | 140highest quarter | 24highest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
Ebury
Pros
- Instant transfers between Ebury holders cost nothing, and other transfer fees are quoted per transaction.
- Eligible deposits sit under FSCS up to GBP 85,000.
- Local pay-in details come with the account, including an IBAN, a UK sort code and US ACH (iban, uk sort code and us ach).
Cons
- Support runs on email and phone only, with no live chat.
- Withdrawals go out to bank accounts, so cards and wallets are not an option.
- Ebury serves business customers, so there is no personal current account here.
PayPal Colombia
Pros
- No monthly fee, so the account costs $0 to keep open
- A transfer fee of $0 from a PayPal balance or a linked bank account, cheaper than the card charges at Skrill
- Money arrives in Seconds, so there is no waiting period to plan around
Cons
- Converting currency costs 3% to 4%, on top of a markup of 3% to 4% in the exchange rate
- The saving rate is variable rather than fixed, so the 3.3% headline can move
- Local account details cover us ach only, narrower than the IBAN details common in this category
Who each suits
Ebury
Who it suits
- UK companies that pay suppliers abroad and keep balances in several currencies
- Businesses that want a named UK entity and a deposit scheme behind the balance
- Firms that need local collection details across the main payment markets
Who should look elsewhere
- Not for people who need deposit protection above FSCS up to GBP 85,000, as PayPal Colombia lists FDIC up to USD 250,000.
- Not for readers who want the euro deposit scheme rather than the UK one: Plazo ES lists EU DGS up to EUR 100,000 and Skrill lists EU DGS up to EUR 100,000.
- Not for personal banking, since business is the only audience Ebury serves.
PayPal Colombia
Who it suits
- Expats and travellers holding money in more than one currency
- Small businesses paying suppliers and staff without a monthly charge
- Anyone already paying friends and family from a PayPal balance
Who should look elsewhere
- Wise, if you move large sums and the 3% to 4% conversion fee matters more than instant delivery
- Paysera, if you need local account details beyond us ach
- Anyone chasing a fixed saving rate rather than a variable 3.3%
Country by country
| Country | Ebury | PayPal Colombia |
|---|---|---|
| Australia | Yes | No |
| Belgium | Yes | No |
| Brazil | Yes | No |
| Bulgaria | Yes | No |
| Canada | Yes | No |
| Chile | Yes | No |
| China | Yes | No |
| Colombia | No | Yes |
8 of 34 countries where either is available.
Questions about each
Ebury
What do Ebury transfers cost?+
Instant transfers between Ebury holders cost nothing, and Ebury quotes other transfer fees per transaction, so what you pay depends on the payment you make. Money leaves the account by bank transfer, which keeps the payout options deliberately narrow and easy to follow.
Is my money protected at Ebury?+
The UK service runs through Ebury Partners UK Limited, which is regulated in the United Kingdom by the Financial Conduct Authority. Eligible deposits sit under FSCS up to GBP 85,000, a lower ceiling than the USD limit at PayPal Colombia, where protection reads FDIC up to USD 250,000.
PayPal Colombia
How much does it cost to send money from a PayPal balance?+
Nothing in fees. A transfer from a PayPal balance or a linked bank account carries a transfer fee of $0, so the only charge on a same-currency payment is the one already agreed. Funding from a card adds a percentage plus a fixed fee instead.
What does it cost to convert currency?+
Converting between currencies costs 3% to 4%, and the exchange rate also carries a 3% to 4% markup. A cross-currency payment therefore pays a fee and a worse rate, and that pair of charges is what to compare against rivals.
Other options to compare
Other matchups
Related by the facts
Ebury
PayPal Colombia