PayPal's Crypto Services is ideal for users interested in cryptocurrency trading and management within the PayPal ecosystem. Capital One Mobile App (v7.0) is better suited for users seeking comprehensive traditional banking features and account management.
| Attribute | PayPal's Crypto Services | Capital One Mobile App (v7.0) |
|---|---|---|
| Cryptocurrency Trading Options | Supports Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Bitcoin Cash (BCH), Solana (SOL), Chainlink (LINK) and PayPal USD (PYUSD). | Not available |
| Mobile App Accessibility | Accessible through the PayPal mobile app. | Adheres to WCAG, uses ARIA specifications, offers screen readers (VoiceOver for iOS and TalkBack for Android), options to adjust font sizes and colors, and zoom functionality. |
| Transaction Fees (Crypto vs. Traditional Banking) | Crypto fees vary based on transaction amount; no fees for buying/selling PYUSD but apply when converting. Traditional banking fees involve percentage or fixed fees. | Traditional banking deposits into Capital One consumer checking or savings accounts do not have fees. Cryptocurrency comparison not applicable. |
| Security Measures | Uses encryption, transport layer security, and partners with Paxos Trust Company. | Uses two-factor authentication, biometric login, real-time alerts, virtual card numbers, device recognition technology, and mobile banking data encryption. |
| User Interface and Experience | Compared to Coinbase, which is user-friendly with educational resources. | Intuitive and user-friendly interface with a clean design and clear navigation. Easy access to account details, alerts, payments, and rewards. |
| Customer Support Availability | Phone support (888) 221-1161 (6 a.m. - 6 p.m. PT, M-F). Live chat available during same hours, initially handled by chatbot. | Offers customer support through a digital assistant (Eno), phone support, and a comprehensive website. |
| Integration with Existing Bank Accounts | Can fund account using bank account or debit card. | Allows users to link external bank accounts for easy transfer of funds. |
| Educational Resources | Provides educational content on the cryptocurrency ecosystem. | Not available |
| Mobile Check Deposit Feature | "Cash a Check" feature available, except in New York or with negative balance. | Allows users to deposit checks remotely by taking pictures. Funds typically available the next business day. Daily and monthly limits apply. |
| Bill Payment Options | Link, manage, and pay bills from app/website; pay directly on some biller websites; PayPal Direct Debit available if enrolled in PayPal Direct Deposit. | Users can pay bills directly through the app and set up direct debits with options to pay the full balance, a fixed amount, or the minimum payment. |
| Funds Transfer Capabilities | Transfer crypto between PayPal, Venmo, and external wallets; maximum weekly transfer amount is $25,000. | Enables users to transfer funds between their Capital One accounts and linked external accounts. Transfers can be scheduled or set up as recurring. |
| Account Management Features | Centralized hub for managing crypto assets. | Provides a range of features including viewing balances and transactions, managing subscriptions, locking/unlocking cards, monitoring credit scores (via CreditWise), and redeeming rewards. |
| Price | Not available | Not available |
| Ratings | Not available | Not available |