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Review of the PayPal, Pay in 3:

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Convenient Features, but Still Too Many Frustrations

The system still has quite a few shortcomings, particularly in the UK. Adding funds directly to PayPal can be difficult, and sending or receiving money can sometimes take longer than expected or even be placed under further review, despite having used the service for many years. The PayPal Plus programme is a bit of a mixed bag. While it’s interesting to progress through the different tiers, doing so essentially requires you to make most of your purchases with PayPal. Even then, the rewards don’t feel especially worthwhile. That said, I really like the ability to instantly back the PayPal card with any linked bank account, which makes it very convenient to use. Reviewed on: 8th July 2026

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