Updated September 29, 2026 · VaultCue Editorial Team
PayPal Colombia vs PayPal Kenya
PayPal Colombia
Higher score in this comparison
PayPal Kenya
What sets them apart
| Compare | PayPal ColombiaReviewSee alternativesSee alternatives | PayPal KenyaReviewSee alternativesSee alternatives |
|---|---|---|
| Transfer fee | 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 | 4.99 USD per international personal transfer from PayPal balance or bank account; 4.99 USD + 3.4% + fixed fee if funded by card; free for domestic transfers |
| Delivery time | Seconds | In just a few minutes |
| Payout methods | Bank, Card | Bank, Wallet |
| Currencies | 24 | 25Higher |
| Fee to send 1,000 | $0Lower | $4.99 |
Same on both: Exchange rate markup (3% to 4%).
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Key differences
- PayPal Colombia scores higher overall: 9.2 vs 9.0.
- Fee to send 1,000 is lower at PayPal Colombia: $0 vs $4.99.
- Payout methods: only PayPal Colombia offers Card.
- Payout methods: only PayPal Kenya offers Wallet.
- Currencies is higher at PayPal Kenya: 25 vs 24.
- Support channels: only PayPal Colombia offers Email, Phone.
- Support channels: only PayPal Kenya offers Help centre.
Our verdict on each
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.
PayPal Kenya
PayPal Kenya suits people who already hold a balance and want money to land In just a few minutes in a bank account or wallet. Costs are the weaker side: an exchange rate margin of 3% to 4% and a card surcharge on $4.99 per international transfer limit its use abroad.
Score breakdown
| Area | PayPal Colombia | PayPal Kenya |
|---|---|---|
| Cost | 9.0HigherTransfer fee of $0 from a balance, but conversion costs 3% to 4% with a 3% to 4% markup. | 8.5Exchange rate margin of 3% to 4% sits above the market median of 0.9%, and card funding stacks a percentage on $4.99. |
| Offer | 8.8Higher | 8.7Money reaches the recipient In just a few minutes and lands in a bank and wallet account, across 25 currencies. |
| Trust | 9.6 | 9.6 |
Spending 1,000 abroad
PayPal Colombia
30 to 40
3% to 4% of 1,000
PayPal Kenya
30 to 40
3% to 4% of 1,000
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Ranges side by side
| Fact | PayPal Colombia | PayPal Kenya |
|---|---|---|
| Exchange rate markup | 3% to 4% | 3% to 4% |
How they place
| Ranking | PayPal Colombia | PayPal Kenya |
|---|---|---|
| Money transfer services | 157 of 1564 | 265 of 1564 |
Every fact side by side
| Fact | PayPal Colombia | PayPal Kenya |
|---|---|---|
| Legal entity | PayPal, Inc. | PayPal Pte. Ltd. |
| Headquarters | United States | United States |
| Founded | 1998 | 1998 |
| Support channels | Email, Phone | Help centre |
Everyday accounts
| Fact | PayPal Colombia | PayPal Kenya |
|---|---|---|
| Monthly fee | $0 | Not confirmed |
| Deposit protection | FDIC up to USD 250,000 | Not confirmed |
| Currency conversion fee | 3% to 4% | Not confirmed |
| Audience | Expats, Travelers, Business | Not confirmed |
| Pricing model | No monthly fee | Not confirmed |
| Features | Free ATM, No credit check | Not confirmed |
| Local account details | Us ACH | Not confirmed |
Savings
| Fact | PayPal Colombia | PayPal Kenya |
|---|---|---|
| Headline rate | 3.3% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Minimum deposit | $0 | Not confirmed |
| Access terms | 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 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Where each stands against the rest
| Fact | PayPal Colombia | PayPal Kenya | Median |
|---|---|---|---|
| Exchange rate markup | 3% to 4%highest quarter | 3% to 4%highest quarter | 0.64 |
| Currencies | 24highest quarter | 25highest quarter | 6 |
| Fee to send 1,000 | $0below the median | $4.99above the median | $0.25 |
Median across 497 listed accounts.
Pros and cons
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
PayPal Kenya
Pros
- Money arrives In just a few minutes, so a send rarely holds up a payment.
- Payouts land in a bank account or a wallet, the two options under bank and wallet.
- Covers 25 currencies, above the 5 median across the services on the site.
Cons
- Card funding adds a percentage plus a fixed fee on top of $4.99 for the same international transfer.
- The exchange rate margin of 3% to 4% sits well above the 0.9% median across the market, so cross-border amounts land lighter than sent.
- Support runs on help centre only, with no phone or live chat route listed for a stuck payment.
Who each suits
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%
PayPal Kenya
Who it suits
- People already holding a PayPal balance who value speed over the sharpest exchange rate, since money arrives In just a few minutes.
- Anyone whose recipient can take payment into a bank account or a wallet, as bank and wallet sets out.
- Households sending money within Kenya, where the transfer fee is free on domestic transfers.
Who should look elsewhere
- PayPal Colombia, where the transfer fee from a balance or a linked bank account is a percentage, so the fixed $4.99 here is easier to budget.
- Skrill, whose bank transfers carry no transfer charge and whose card funding runs at a percentage, which suits card funded sends better.
- Paysera, where euro transfers to SEPA and Paysera users are free and other currency routes carry listed charges.
Country by country
| Country | PayPal Colombia | PayPal Kenya |
|---|---|---|
| Colombia | Yes | No |
| Kenya | No | Yes |
Questions about each
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.
PayPal Kenya
What does PayPal Kenya charge to send money abroad?+
An international personal transfer from a PayPal balance or a linked bank account costs $4.99. Funding the same payment with a card adds a percentage plus a fixed fee on top of that amount, so card funding is the costlier route. Transfers that stay within Kenya are free under the same fee schedule.
What is the exchange rate margin on PayPal Kenya?+
The exchange rate margin is 3% to 4%, taken on the amount being converted. The median margin across the services on the site is 0.9%, so the margin here is wide and applies on every cross-currency send, on top of any transfer fee.
Other options to compare
Other matchups
Related by the facts
PayPal Colombia
PayPal Kenya