Comparison

PayPal vs Mintyn

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

Mintyn

Manage all your finances in one place. Send and receive money, pay bills, shop, invest, and save. Offers free current accounts for individuals and businesses, plus tools for expense tracking and cardless withdrawals.

Highlights
  • Free current accounts
  • Send and receive money
  • Pay bills
  • Shop for groceries and food
  • Invest and save
  • Expense tracking analytics
  • Cardless ATM withdrawals
Features
Read full description

About Mintyn. Mintyn Bank - Everything finance One app for everything finance; Send and receive money, pay bills, Gift your loved ones shopping voucher, shop for groceries and food supplies, invest and save for life emergencies. Features Free current account for individual Free current account for Solo business, Enterprise, and incorporated Trustees. Incorporate your business with CAC Apply for Tax Identification Number (TIN) Shop for food items and groceries Invest in risk free investment plan Save for emergency and earn decent interest Fund your betting wallet Purchase data bundle at ease Purchase airtime Book flight at ease Cardless Withdrawal; withdraw cash at ATM without card Analytics for expense tracking. Request Expense debit card. Privacy Policies and Security. We collect and process your information in accordance to Nigerian Data Protection Regulation (NDPR) guideline which are for; contractual & Legal duty, Legitimate interest, public interest, and vital interest or consent. As such your information are protected and can not be transferred to third party, except we are legally required. Mintyn Bank is Insured by Nigerian Deposit Insurance Corporation (NDIC) as such your deposit is save. Mintyn Bank is PCI DSS Certified. Mintyn bank is a product of Finex Microfinance bank; license by Central Bank of Nigeria (CBN)

Screenshots

PayPal4 screens
Mintyn4 screens

Verdict

The call

The clearest difference is ads: Mintyn at none against PayPal's shown. Mintyn also leads on review sentiment (47% vs 21%) and monetization model (free vs free with in-app purchases). PayPal's advantage is rating (4.8 vs 4.4) and ratings volume (6.3M vs 334). On price, 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

PayPal holds the better App Store score, 4.8 against 4.4. That said, the two scores are not equally well evidenced: PayPal has 6.3M ratings behind it against 334, so its average is the more settled of the two. Written reviews complicate that: 21% of PayPal's written reviews are positive against 47% of Mintyn's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

PayPal ships an update weekly, Mintyn every 2 weeks. The most recent releases landed on September 25, 2026 and September 21, 2026 respectively.

Scorecard8 real differences · 3 level
PayPal versus Mintyn: the parameters behind the verdict, then further details
ParameterPayPalMintyn
PriceFreeFree
Rating4.8 (6.3M ratings) — better4.4 (334 ratings)
Positive reviews21.4% of reviews46.9% of reviews — better
Number of ratings6.3M — better334
Update frequencyWeekly — betterEvery 2 weeks
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
Best chart rank#6 — better—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.415.0 — better
Further details — not scored
Size767 MB101 MB
Age rating4+4+
DeveloperPayPal, Inc.Mint Financial Technology Service

Customer experience

PayPal

All ratings6,298,685 ratings
Positive95.2%
Neutral1.8%
Negative3.0%
Written reviews5,638 reviews
Positive21.4%
Neutral5.1%
Negative73.5%

Mintyn

All ratings334 ratings
Positive82.9%
Neutral6.0%
Negative11.1%
Written reviews49 reviews
Positive46.9%
Neutral0.0%
Negative53.1%

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

Mintyn

From 334 App Store ratings

What we love

  • 🚀 Fast and seamless transactions
  • 👍 User-friendly interface
  • 💡 Innovative digital banking features
  • ⏱️ Quick account opening process
  • 💰 No hidden charges

Room to improve

  • ❌ Frequent transaction failures and errors
  • 📵 Poor or non-existent customer support
  • 🔴 Money held or frozen without explanation
  • ⚠️ Balance display issues and glitches
  • 🚫 Withdrawal limits and restrictions

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

Mintyn

Reported bugs

7 issues
  • Balance display shows XXXXX.XX instead of actual amount
  • Eye logo to reveal balance is unresponsive
  • App crashes during registration
  • Network connection errors preventing login
  • Transfer and payment processing failures
Show 2 more
  • App freezes and stops responding
  • Maintenance without user notification

Requested features

4 requests
  • Add more financial institutions to transaction list (e.g., Carbon bank)
  • ATM card functionality
  • Call/phone support option
  • Better weekend support

In-app purchases

None

PayPal

No in-app purchases

None

Mintyn

No in-app purchases

Questions

Is PayPal free?
PayPal is free to download, with no in-app purchases.
Is Mintyn free?
Mintyn is free to download, with no in-app purchases.
Which has better reviews, PayPal or Mintyn?
PayPal is rated higher. PayPal averages 4.8 out of 5 from 6.3M ratings, while Mintyn averages 4.4 from 334 ratings.
Do PayPal or Mintyn have ads?
PayPal shows ads; Mintyn does not.
Which is updated more often, PayPal or Mintyn?
PayPal ships an update weekly, and Mintyn every 2 weeks. Most recently, PayPal was updated on September 25, 2026 and Mintyn on September 21, 2026.

Other comparisons