How to Buy Bitcoin with PayPal in Germany at CEX.IO

Looking for a straightforward way to buy Bitcoin in Germany? With CEX.IO, you can choose between a multitude of funding pathways tailored to your preferences, including credit/debit cards, bank transfers, Google Pay, and Apple Pay.

Additionally, eligible customers from specific regions can link their PayPal accounts (available only to US-based users) and purchase BTC within minutes. 

By using the Bitcoin price page, users can also track real-time market data before completing their purchase.

Step-by-Step Guide to Purchasing Bitcoin With PayPal with the CEX.IO App

At CEX.IO, enthusiasts from Germany can select among several trusted and secure payment methods. 

PayPal is also accepted as a funding gateway on our platform; however, it is currently available only to US-based customers. 

Here’s how eligible users can utilize PayPal to purchase Bitcoin and other crypto at our exchange:

Step 1 – Download and Launch the CEX.IO App

Start by installing the CEX.IO App from the App Store (iOS) or Google Play (Android). The app is the easiest way to access your account from anywhere, track prices, and securely purchase digital assets. Once downloaded, launch the app, and you’ll be greeted with a clear dashboard that organizes all services, from your wallet to trading and payment methods, in one place.

Step 2 – Create or Access Your Account

If you’re new to CEX.IO, tap Sign Up and follow the on-screen prompts to create your account. You’ll need to provide basic details, such as your:

• Email address
• Password
• Country of residence 

For returning users, simply choose Log In and enter your existing credentials. This account will act as your central hub for buying, selling, and storing Bitcoin and other supported assets.

Step 3 – Verification

To comply with financial regulations in Germany and ensure the highest level of account security, CEX.IO requires verification of your identity. This involves submitting identification documents (such as your passport, ID card, or driver’s license) and confirming your residential address. 

The process is streamlined in the app and usually takes just a few minutes to complete. Once verified, you’ll receive a free Bitcoin wallet, as well as full access to available payment methods, including PayPal.

Step 4 – Access Instant Buy

From the main dashboard, select the Instant Buy (Buy) feature. This tool is designed for fast cryptocurrency purchases without requiring you to navigate trading charts.

1. Tap Buy from the app menu located at the bottom.
2. Choose Bitcoin (BTC) from the list of available cryptocurrencies.
3. Enter the amount you want to spend in fiat (e.g., USD). The app will automatically display the amount of BTC you will receive below the input field.
4. You’ll be offered to buy crypto with Google/Apple Pay by default. Tap Change Payment Method to access the PayPal funding gateway. 
5. Log in to your PayPal account when prompted and confirm the payment details.
6. Review the transaction summary, including fees and the total amount.
7. Tap Confirm to finalize the purchase.
    

Your Bitcoin will be credited to your CEX.IO wallet almost instantly. From there, you can hold it securely, transfer it, or use it within the platform for other services such as trading.

Tip: If you plan to use PayPal regularly, you can save it as a preferred payment method in the CEX.IO App, making future purchases even faster.

PayPal Bitcoin Fees and Charges in Germany

Understanding PayPal Bitcoin fees in Germany is key before making a purchase. PayPal is a widely used payment method nationwide, and while it offers speed and convenience, it’s essential to be aware of the potential costs that may apply.

For most everyday online purchases in Germany, PayPal does not charge the buyer. Instead, the merchant covers the transaction fee. However, fees may still apply in some instances, including:

• Currency conversion: If your payment is made in a currency other than EUR, PayPal applies a conversion fee in addition to the exchange rate (typically around 3–4%).
• International transfers: Sending money outside of Germany or in non-EUR currencies usually includes a service fee plus conversion charges.
• Specific merchant or service fees: Depending on the platform, additional handling costs may apply when PayPal is selected at checkout.

PayPal Fees and Commissions on CEX.IO

On CEX.IO, you’ll find transparent limits and commissions displayed upfront, so you know exactly what to expect. The latest details are always available on the CEX.IO Limits and Commissions page.

At present, users from Germany cannot use PayPal for crypto purchases on CEX.IO. However, PayPal is supported for US-based customers, and here is a brief overview of how the fee structure works for them:

PayPal Deposits and Withdrawals

• Daily deposit limits: from $20 up to $1,000 (or equivalent in EUR).
• Daily withdrawal limits: from $20 up to $10,000.
• Deposit commission: 3.99% + $5.
• Withdrawal commission: 3.99% + $5.

For example, depositing $200 via PayPal would incur a flat fee of $5 plus 3.99% of the transaction amount. Withdrawals are calculated under the same model.

How PayPal Fees Compare to Other Methods

• Cards (Visa/Mastercard): Similar commission structure, but Visa supports higher withdrawal caps.
• SEPA transfers: Lower-cost solution at $2.99 per transfer, though processing takes longer.
• Mobile wallets (Apple Pay/Google Pay): Share the same fee model as cards, but with smaller transaction ranges.

Pros and Cons of Buying Crypto with PayPal

When considering using PayPal to purchase cryptocurrency, it’s helpful to weigh both the benefits and drawbacks. Below are key points to consider:

Pros

• Instant access and convenience: Transactions process quickly, so Bitcoin appears in your account almost immediately.
• Trusted and familiar platform: PayPal is widely recognized and offers strong security features for online payments.
• Beginner-friendly process: The flow is straightforward, making it easy for new users to buy Bitcoin without advanced tools.
• Low minimum purchase amount: PayPal allows small fiat deposits, giving beginners flexibility to start with modest sums.
• Seamless integration with CEX.IO App: PayPal works directly within the app, eliminating the need for third-party processors.

Cons

• Lower transaction limits: Daily deposit and withdrawal ranges via PayPal are smaller than those available with cards or bank transfers.
• Availability may vary: While PayPal is supported in Germany, it may not be available in all jurisdictions or with all assets on CEX.IO.

Alternatives to Buying Crypto with PayPal

While PayPal is a fast and familiar method in Germany, it is not currently supported for crypto purchases on CEX.IO outside the United States. 

Still, CEX.IO provides multiple other payment pathways that allow customers in Germany to buy Bitcoins or sell Bitcoins with ease.

(H3) Buying Bitcoin with a Credit or Debit Card

Using a card is one of the most common alternatives. With CEX.IO, you can link your Visa or Mastercard directly to your account and make purchases in just a few clicks. This process works similarly to online shopping: you enter the amount in EUR, confirm the card details, and the BTC is instantly credited to your wallet.

For those who prefer a more traditional setup, it’s also possible to buy Bitcoin with a bank account (available through our Wallet functionality) by funding your CEX.IO balance through SEPA or SWIFT transfers. While processing may take longer than card payments, bank transfers typically carry lower fees and offer higher transaction limits.

Buying Bitcoin with Cash Deposit or Bitcoin ATMs

Another alternative is to buy Bitcoin with cash through local services or Bitcoin ATMs. These machines allow you to insert banknotes and receive Bitcoin to your wallet address. After receiving BTC to your external wallet, you can then transfer those funds to your CEX.IO Bitcoin Wallet to take advantage of the platform’s features.

Cash deposits are less convenient than app-based methods, but they remain useful for users who prefer not to link digital payment accounts. Keep in mind that fees at ATMs are often higher, and availability may vary depending on your city in Germany.

Buy Bitcoin with Apple Pay/Google Pay

Users in Germany can also buy Bitcoin with Google Pay or Apple Pay directly through the CEX.IO App. These mobile wallets offer a fast and secure way to complete purchases, without manually entering card details. Fees are similar to card payments (0.49%–4.99% + service charge), but transactions are processed instantly, making them a convenient alternative. How it works:

Route A – Wallet:

1. Tap Wallet, then Buy.
2. Choose BTC (or another supported asset).
3. Enter the fiat amount; the corresponding crypto amount will appear below.
4. Tap Buy Bitcoin with Apple Pay/Google Pay.
5. Confirm your translation.

Route B – Buy (Instant Buy):

1. Tap Buy in the bottom nav.
2. Choose the asset.
3. Enter fiat amount.
4. Tap Buy with Google Pay/Apple Pay, depending on your device.
5. Confirm your payment.