Is PayPal Debit or Charity Bank better for your small business?
Below we look at both PayPal Debit and Charity Bank reviews on Trustpilot along with their App reviews from Apple and Google.
We then look at typical fees, business savings rates, foreign currency options and a whole bunch of other account features to help you make up your mind.
PayPal Debit vs Charity Bank Trustpilot Reviews
| PayPal Debit | Charity Bank | |
| Trustpilot Review Score (out of 5) | 1.4 | 3.3 |
| Percent 5-Star Reviews | 20% | 33% |
| Percent 1- Star Reviews | 73% | 34% |
| Total Number of Reviews | 5,277 | 3 |
https://www.trustpilot.com/review/www.paypal.co.uk
https://www.trustpilot.com/review/charitybank.org
PayPal Debit vs Charity Bank App Reviews
| PayPal Debit | Charity Bank | |
| iPhone Review Score (out of 5) | 4.1 | No Rating |
| Number of iPhone Reviews | 1,600 | No Reviews |
| Android Review Score (out of 5) | 3.3 | No Rating |
| Number of Android Reviews | 91,500 | No Reviews |
https://apps.apple.com/gb/app/paypal-business/id1053148887
https://www.apple.com/uk/app-store/
PayPal Debit vs Charity Bank Account Fees & Charges
| PayPal Debit | Charity Bank | |
| Free Business Bank Account | No | No |
| Free Business Account Term Length | NA | NA |
| Cheapest Monthly Account Fee | No | Free |
| Most Expensive Monthly Account Fee | No | Free |
| Electronic Payment Cost (in/out) | Free | No |
| Cash Payments Cost (in/out) | Free | Free |
| Cheques (in/out) | Free | Free |
| CHAPS Payments Cost | No | £10 |
| SEPA Payments Cost | No | 20p |
PayPal Debit vs Charity Bank Business Savings Rates
| PayPal Debit | Charity Bank | |
| Types of Business Savings Accounts | None | CITR accounts, Easy Access, Notice Accounts, Fixed Account |
| Lowest Savings Rate (AER) | NA | 2.02% |
| Maximum Savings Rate (AER) | NA | 4.51% |
| Minimum Savings Amount | NA | £1,000 |
| Interest Paid On Foreign Currencies | Yes | No |
PayPal Debit vs Charity Bank Account Opening Times
| PayPal Debit | Charity Bank | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | Few minutes | Undisclosed |
| Do They Check Your Credit? | No | Yes |
| Current Account Switch Service | Yes | Yes |
PayPal Debit vs Charity Bank Features & Account Types
| PayPal Debit | Charity Bank | |
| Business Current Account | Yes | Yes |
| Business Savings Account | No | Yes |
| Business Credit Card | No | No |
| Business Overdraft | No | No |
| Accounts For Startups | Yes | Yes |
| Accounts For Charities | No | Yes |
| Accounts For Sole Traders | No | Yes |
| Joint Business Accounts Available | Yes | Yes |
| Card Type | Mastercard | Mastercard |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | No |
| In Person/Branch Banking | No | No |
| Branch Locations | None, online only | Tonbridge |
PayPal Debit vs Charity Bank Customer Support Options
| PayPal Debit | Charity Bank | |
| Phone Support Available | No | Yes |
| Email Support Available | Yes | Yes |
| App Based Support | Yes | No |
| Web Based Support | Yes | Yes |
| In person Customer Support | No | No |
PayPal Debit vs Charity Bank Foreign Currency Accounts
| PayPal Debit | Charity Bank | |
| US Dollar (USD) Bank Accounts | Yes | No |
| Euro (EUR) Bank Accounts | Yes | No |
| Other Currencies Available: |
| No |
Other Business Services From PayPal Debit and Charity Bank
| PayPal Debit | Charity Bank | |
| Business Loans | No | Yes |
| Commercial Mortgages | No | Yes |
| Invoice Financing | No | No |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | No |
| Card Machines | Yes | No |
| Free Accounting Software | Yes | No |
PayPal Debit vs Charity Bank Banking Basics
| PayPal Debit | Charity Bank | |
| Bank Type | Challenger | Challenger |
| FSCS Protection | No | Yes, up to £85,000 |
| FCA Number | 742277 | 207701 |
| Website | PayPal Debit Website | Charity Bank Website |
Common Comparison Questions
Does PayPal Debit or Charity Bank have better customer reviews?
PayPal Debit scores 1.4 out of 5 based 5,277 Trustpilot reviews. Of these reviews 20% are 5-star and 73% are 1-star.
Whereas, Charity Bank scores 3.3 out of 5 based 3 Trustpilot reviews. Of which 33% are 5-star and 34% are 1-star.
Does PayPal Debit or Charity Bank have a better App?
PayPal Debit’s iPhone App is rated 4.1 out of 5 based on 1,600 reviews. And it’s Android App is rated 3.3 out of 5 based on 91,500 reviews.
In comparison, Charity Bank’s iPhone App is rated No Rating out of 5 based on No Reviews reviews. And it’s Android App is rated No Rating out of 5 based on No Reviews reviews.
Does PayPal Debit or Charity Bank have better business savings rates?
PayPal Debit offers the following types of business savings accounts: None with interest rates ranging from NA to NA. (AER)
In contrast, Charity Bank offers CITR accounts, Easy Access, Notice Accounts, Fixed Account accounts with interest rates ranging from 2.02% to 4.51% (AER).
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For other business bank accounts see our guide here.