Comparison

PayPal vs Panda Remit

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

Head to head
About

PayPal

Securely shop online and in-store, send and receive money globally, and manage your finances. Earn rewards with a debit card and track packages. Offers purchase protection and buy now, pay later options.

Highlights
  • Secure online and in-store shopping
  • Purchase protection
  • Earn rewards with debit card
  • Send and receive money globally
  • Buy Now, Pay Later options
  • Package tracking
  • Subscription management
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

Panda Remit

Send money globally with a trusted remittance service used by millions. Enjoy fast transfers, competitive exchange rates, and secure transactions across over 50 countries and regions. Receive funds via major banks and e-wallets.

Highlights
  • Global remittances in 50+ countries
  • Receive money via 500+ banks/e-wallets
  • Multiple remittance types (tuition, large/small amounts)
  • Real-time status tracking
  • Fast transfers (as little as 2 minutes)
  • PCI DSS certified security
  • 24/7 online customer service
Features
Read full description

Choose Panda Remit for global remittances, trusted by millions of users. Send faster and receive more! Global remittances: Panda Remit offers cross-border remittance service in 50+ countries/regions, including Mainland of China, Hong Kong China, Singapore, Japan, South Korea, the United States, Canada, Europe, Australia, New Zealand, Brazil, India, Mexico, Thailand, Malaysia, the Philippines, Indonesia, etc. Money receiving: Panda Remit users can receive money via 500+ mainstream banks and e-wallets like Alipay(China), Weixin(China), PayPal(USA), Wise(USA), Paytm(India), Touch 'N Go(Malaysia), GCash(the Philippines), etc.; Remittance types: Panda Remit offers multiple types of remittances that meet your needs, including small & large amount remittances, CNY remittances (to receive USD, HKD, EUR, AUD, CAD, etc.), tuition payment (overseas students can pay their tuition, living expenses, enrollment fee, etc. to schools in 28 countries/regions). Remittance mechanism: Panda Remit APP has a real-time status tracking function that users can use to check order status in the whole process transparently. Fees: Panda Remit updates its exchange rates based on real-time internet rates and always offers the best rates for users. New users making first transfer can enjoy 0 fee. Transfer efficiency: Panda Remit achieves "as fast as 2 minutes to arrive" in most scenarios. Security: Our products have passed PCI DSS certification, and our security capabilities have been recognized by international authoritative financial institutions. Compliance: Panda Remit has licenses in multiple global markets, including Money Service Operator (MSO) license issued by Hong Kong China, Major Payment Institution license issued by Singapore MAS, Funds Transfer Service Provider license issued by Japan, Money Services Business (MSB) license issued by USA, Money Services Business (MSB) license issued by Canada, Remittance Service Provider license issued by Australia AUSTRAC, Financial Service Providers (FSP) issued by New Zealand, etc., ensuring all cross-border services are managed in accordance with the law, protecting user funds. Both money sending and receiving are legally protected via Panda Remit with clear fund flow supervision. Investment and cooperation: Panda Remit has received investment and support from Sequoia and Lightspeed, and has established global partnerships with Alipay and Weixin. Customer service: Panda Remit offers 7*24 online service. Users can enjoy 1-on-1 service to solve problems. Available currency exchanges (part of it): Asia: HKD to CNY, HKD to IDR, HKD to THB, HKD to INR, HKD to PHP; SGD to CNY, SGD to INR, SGD to VND, SGD to MYR, SGD to IDR, SGD to THB, SGD to PHP; JPY to CNY, KRW to CNY; CNY to HKD, CNY to SGD, CNY to JPY; CNY to USD, CNY to CAD, CNY to AUD, CNY to EUR, etc. North America: USD to CNY, USD to INR, USD to THB, USD to PHP, CAD to CNY, CAD to THB, CAD to INR, etc. Oceania: AUD to CNY, AUD to MYR, AUD to THB, AUD to IDR, AUD to PHP, AUD to INR, NZD to CNY, etc. Europe: EUR to CNY, GBP to CNY, EUR to THB, GBP to INR, EUR to INR, EUR to NPR; RON to CNY, CZK to CNY, HUF to CNY, HUF to THB, RON to NPR, etc. Choose Panda Remit for global remittances. Send faster and receive more! Website: https://www.pandaremit.com/ Customer service email address: service@pandaremit.com Company address: 150 Beach Road #28-01/02 Gateway West Singapore 189720

Screenshots

PayPal4 screens
Panda Remit4 screens

Verdict

The call

PayPal and Panda Remit both sit at 4.8 stars, but that hides the real split: 77% of Panda Remit's written reviews are positive against 21% of PayPal's. Panda Remit also leads on ads (none vs shown) and monetization model (free vs ad-supported). PayPal's advantage is ratings volume (6.3M vs 11K) and chart position (#3 vs unranked). On price, rating, update cadence and in-app purchases 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 4.7 for Panda Remit. That said, the two scores are not equally well evidenced: PayPal has 6.3M ratings behind it against 11K, 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 77% of Panda Remit's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly weekly. Both last shipped on November 5, 2026.

Scorecard7 real differences · 4 level
PayPal versus Panda Remit: the parameters behind the verdict, then further details
ParameterPayPalPanda Remit
PriceFreeFree
Rating4.8 (6.3M ratings) — better4.7 (11K ratings)
Positive reviews20.7% of reviews76.7% of reviews — better
Number of ratings6.3M — better11K
Update frequencyWeeklyWeekly
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
Best chart rank#3 — better—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.415.0 — better
Further details — not scored
Size799 MB153 MB
Age rating4+4+
DeveloperPayPal, Inc.WO TRANSFER (HK) LIMITED

Customer experience

PayPal

All ratings6,299,085 ratings
Positive95.2%
Neutral1.8%
Negative3.0%
Written reviews6,050 reviews
Positive20.7%
Neutral5.1%
Negative74.1%

Panda Remit

All ratings10,794 ratings
Positive93.4%
Neutral0.9%
Negative5.7%
Written reviews1,217 reviews
Positive76.7%
Neutral1.0%
Negative22.4%

User reviews

PayPal

From 6.3M App Store ratings

What we love

  • 🚀 Extremely effective and reliable crypto recovery service
  • 🔒 Secure payment processing
  • 💰 Convenient way to send and receive money
  • 👍 Easy to use app with simple interface

Room to improve

  • 🐛 Inconsistent customer support responses
  • 🕰️ Slow money transfer times
  • 💳 Holds on funds for new accounts
  • 🤖 Overly automated with lack of human interaction

Panda Remit

From 11K App Store ratings

What we love

  • 🚀 Fast and efficient
  • 🔒 Secure and reliable
  • 👍 Convenient and user-friendly
  • 💰 Competitive exchange rates
  • 💳 Multiple payment options

Room to improve

  • 🐛 Occasional technical issues
  • ⏱️ Slow transaction times for some users
  • 🤖 Inconsistent customer service
  • 💰 High fees for some transactions

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

Panda Remit

Reported bugs

3 issues
  • Login and verification problems
  • Incomplete or delayed transactions
  • Compatibility issues with certain devices

Requested features

4 requests
  • Expand supported currencies
  • Improve in-app notifications
  • Provide more transparency on exchange rates
  • Enhance mobile app experience

In-app purchases

None

PayPal

No in-app purchases

None

Panda Remit

No in-app purchases

Questions

Is PayPal free?
PayPal is free to download, with no in-app purchases.
Is Panda Remit free?
Panda Remit is free to download, with no in-app purchases.
Which has better reviews, PayPal or Panda Remit?
PayPal is rated higher. PayPal averages 4.8 out of 5 from 6.3M ratings, while Panda Remit averages 4.7 from 11K ratings.
Do PayPal or Panda Remit have ads?
PayPal shows ads; Panda Remit does not.
Which is updated more often, PayPal or Panda Remit?
PayPal ships an update weekly, and Panda Remit weekly. Most recently, PayPal was updated on November 5, 2026 and Panda Remit on November 5, 2026.

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