Comparison

PayPal vs Prepaid TWINT & other banks

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

PayPal

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Highlights
  • Send and receive money globally
  • Earn cash back offers
  • Request a debit card
  • Buy, sell, and hold cryptocurrency
  • High-yield savings accounts
  • Track packages
Features
Read full description

PayPal is a smart way to securely shop in-store and online, earn rewards points on brands you love, send money and much more.​ SHOP WITH PURCHASE PROTECTION Get built-in protection before and after you buy, with support when something doesn't go as planned. *PayPal Purchase Protection is available on eligible transactions. See terms and limitations: https://www.paypal.com/us/legalhub/paypal/buyer-protection​ EARN POINTS ON EVERYDAY PURCHASES WITH THE PAYPAL DEBIT CARD   Choose a monthly category and earn 5% back in rewards points on up to $1000 spend/month. Terms apply: http://paypal.com/rewardspal  No monthly fees. The PayPal Debit Mastercard® is issued by The Bancorp Bank N.A. ("The Bancorp"), pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal. PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance account. See PayPal Balance Terms and Conditions: https://www.paypal.com/us/legalhub/pp-balance-tnc#holding​ SEND AND REQUEST MONEY, SECURELY & IN SECONDS Send money fast within the US and internationally to 110+ countries. Encrypted payments help keep financial details private and secure.​ BUY NOW PAY LATER In store single-use card is valid for one purchase and must be used within 24 hours of loan approval. *Pay in 4 is available upon approval for purchases of $10 - $2000 and is currently not available to residents of MO. 18 years old or older to apply. The lender for Pay in 4 is PayPal, Inc. (NMLS #910457).  Loans to CA residents are made or arranged pursuant to a CA Financing Law License. RI Small Loan Lender Licensee. NM residents: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more at paypal.com/payin4. TRACK YOUR PACKAGES View orders and delivery status until they arrive safely at your door. Not all sellers are participants.​   MANAGE YOUR SUBSCRIPTION ALL IN ONE APP The easy way to link and track all your subscriptions. ALL YOUR MONEY AND TRANSACTIONS IN ONE PLACE The new Me Tab lets you navigate your money, accounts, and settings right where you’d expect them. PayPal 2211 N 1st St San Jose, CA 95131

About

Prepaid TWINT & other banks

This app facilitates secure and convenient mobile payments in Switzerland. It allows users to send and request money, pay online and at physical locations, and manage loyalty cards. Users can also top up credit via bank transfer, deposit slip, or voucher code.

Highlights
  • Send and request money
  • Online and in-person payments
  • Digital vouchers and donations
  • Parking and farm shop payments
  • Loyalty and employee card storage
  • Discount coupons and stamp cards
Features
Read full description

TWINT is Switzerland’s digital cash. With TWINT, you can make convenient and secure payments using your smartphone. All TWINT functions: - Send and request money - Make quick and secure payments in online shops - Buy digital vouchers, pay for your parking and make donations in TWINT+, directly in the app  - Make convenient and secure payments at cash registers, in farm shops and vending machines - Store customer loyalty cards and employee cards in the app - Benefit from discount coupons and digital stamp cards Switzerland’s biggest banks offer their own version of the TWINT app. Please search in the App Store for the name of your bank together with the term “TWINT”.  Top up credit: The TWINT prepaid solution can be used by everyone, regardless of at which bank your account is - Top up via your bank account (direct debit) - Top up via a deposit slip - Top up via a voucher code Security: TWINT is as secure as e-banking. All transactions take place in a secure environment. TWINT also does not disclose any personal data to third parties. The money is not stored directly on the smartphone. If your smartphone is lost or stolen, or if you suspect fraud, please follow the instructions at www.twint.ch/block.

Screenshots

PayPal4 screens
Prepaid TWINT & other banks4 screens

Verdict

The call

The clearest difference is ratings volume: PayPal at 6.3M against Prepaid TWINT & other banks's 762. PayPal also leads on update cadence (weekly vs monthly) and chart position (#4 vs unranked). On price, rating, review sentiment and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for PayPal against 4.8 for Prepaid TWINT & other banks. That said, the two scores are not equally well evidenced: PayPal has 6.3M ratings behind it against 762, so its average is the more settled of the two. Written reviews are what separate them: 21% of PayPal's written reviews are positive against 26% of Prepaid TWINT & other banks's.

UpkeepUpdate frequency

PayPal ships an update weekly, Prepaid TWINT & other banks monthly. The most recent releases landed on September 24, 2026 and September 22, 2026 respectively.

Scorecard3 real differences · 8 level
PayPal versus Prepaid TWINT & other banks: the parameters behind the verdict, then further details
ParameterPayPalPrepaid TWINT & other banks
PriceFreeFree
Rating4.8 (6.3M ratings)4.8 (762 ratings)
Positive reviews21.4% of reviews25.8% of reviews — better
Number of ratings6.3M — better762
Update frequencyWeekly — betterMonthly
AdsYesYes
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
Best chart rank#4 — better
DevicesiPhoneiPhone
Requires iOS17.416.0 — better
Further details — not scored
Size767 MB54 MB
Age rating4+4+
DeveloperPayPal, Inc.TWINT AG

Customer experience

PayPal

All ratings6,298,685 ratings
Positive95.2%
Neutral1.8%
Negative3.0%
Written reviews5,622 reviews
Positive21.4%
Neutral5.1%
Negative73.4%

Prepaid TWINT & other banks

All ratings762 ratings
Positive95.0%
Neutral2.1%
Negative2.9%
Written reviews93 reviews
Positive25.8%
Neutral9.7%
Negative64.5%

Bugs and requests

PayPal

Reported bugs

3 issues
  • Account limitations and freezes with unclear reasons
  • Issues linking bank accounts and cards
  • Problems with refunds and chargebacks

Requested features

4 requests
  • Faster money transfers
  • More transparent policies and fees
  • Improved dispute resolution process
  • Better customer service accessibility

Prepaid TWINT & other banks

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

PayPal

No in-app purchases

None

Prepaid TWINT & other banks

No in-app purchases

Questions

Is PayPal free?
PayPal is free to download, with no in-app purchases.
Is Prepaid TWINT & other banks free?
Prepaid TWINT & other banks is free to download, with no in-app purchases.
Which has better reviews, PayPal or Prepaid TWINT & other banks?
PayPal and Prepaid TWINT & other banks are both rated 4.8 out of 5 on the App Store, from 6.3M and 762 ratings respectively.
Do PayPal or Prepaid TWINT & other banks have ads?
Both PayPal and Prepaid TWINT & other banks show ads.
Which is updated more often, PayPal or Prepaid TWINT & other banks?
PayPal ships an update weekly, and Prepaid TWINT & other banks monthly. Most recently, PayPal was updated on September 24, 2026 and Prepaid TWINT & other banks on September 22, 2026.

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