PayPal vs Roqqett

Read our (unbiased 😏) comparative guide to decide which Money and Spending insights app works best for you.

Hero Image PayPal VS Roqqett


The money app with the best money insights to help you keep track of finances and take care of spending habits.

Best for:

Tracking | Insights | Payments

Connects with most UK Banks & major credit card companies.

100% Free 🤩

Download on the AppStore Image
Get it on Google Play Image

Available on both browser and app, PayPal lets you take and send payments quickly (or so they claim lol)

Best for:


Connects with most UK Banks & major credit card companies.

Free set up ... high fees 😭

Download on the AppStore Image
Get it on Google Play Image


Connecting with major banking providers across the UK, Roqqett allows you to have full visibility of all your transactions across your accounts in real-time, saving you time and energy from having to check your individual banking apps.

To complement this is Roqqett's Money Insights feature. Essentially, Roqqett automatically categorises your spending over time by category or merchant, while still giving you the freedom to re-categorise any transaction to your liking, for FREE. No added costs.

To top it off, Roqqett offers a multitude of ways to pay and get paid instantly by friends and family, whether they have Roqqett or not, without sharing any bank details... ever!

Keep reading to discover all the amazing benefits Roqqett has to offer:

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Connect your bank and credit card account(s) using Open Banking technology. Not only will this allow you to have full visibility of your money together in one place! But you can also move your money between your connected accounts instantly in just a few taps.
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App & User Interface

Roqqett has been designed to be extremely intuitive, as it prides itself for its clean and minimalist aesthetics. With great design at its core, Roqqett is as simple as possible but no simpler. Beautiful to behold and a delight to interact with.
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Money Insights

To start with, Roqqett shows your total spend according to your preferred time-frame. You can see how much you spend in a month, 3 months or in a year.

Along with the time-filtering, Roqqett breaks down your spending by category or merchant. This can help bring awareness to your spending habits by identifying your more & least expensive areas, as well as help you discover your favourite brands.
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100% Free

Unlike other money apps that monetise via a subscription model, Roqqett is 100% FREE!

All of Roqqett's features and benefits are free to use from the moment you decide to graciously download it on your mobile phone. No need to pay for another 'wasteful' subscription, as we believe everyone deserves the best insights at 0 costs.
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You can pay and get paid by anyone without sharing bank details. These include payments via:

1. QR Code - Ideal for when you are together with your friends. All they have to do is scan your QR code with their phone camera and they can pay you on the spot. ⁠

2. Unique Payment Link - Ideal for every situation, where all anyone has to do is tap the link and confirm the payment in their banking app! They don't even need to have the Roqqett in order to pay you! ⁠⁠

3. Bluetooth - Ever tried airdropping your money? With Roqqett's nearby payments feature, you can instantly pick up or start a nearby payment request to pay or get paid by your friends!⁠⁠
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Privacy & Security

The Roqqett app uses bank-grade security measures including 256-bit encryption and biometrics to protect you and your data. So not one, but TWO layers of protection.

With strong beliefs in keeping personal info private, all user data is tokenized on Roqqett servers which means even the Roqqett crew can’t read it.

To top it off, Roqqett is authorised and regulated by the Financial Conduct Authority (FCA) ensuring that it is held to your highest standards.

Although Roqqett has bank-grade security, Roqqett isn't a bank, and your money is never held by Roqqett. This is great news for you - not only is it convenient, but it means your money stays exactly where it is.
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  • Free
  • Daily balance update
  • Useful & effortless money insights
  • Intuitive design for ultimate simplicity
  • Full visibility of all accounts in one place
  • Instant payments to and from anyone
  • Wide range of UK banks & card providers
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  • No cashback offers*
  • No savings suggestions*
  • No budgeting tools*
* Yet... The Roqqett Crew is hard at work to roll-out more of these benefits soon 🚀


PayPal is one of the world's biggest and most popular payment processors, but this doesn't mean that they have your best interests at heart... They have a reputation for high chargers for shops to use on their checkouts. At Roqqett, we’re all about #ShoppingSmall and saving money for businesses, unlike the faceless corporations like PayPal, Visa and Mastercard.

PayPal can also hold your money for no apparent reason. If you want to avoid that, you should use an app that combines all your accounts into one place without holding your money ... *cough* *cough* ... Roqqett.

Looking at the all new PayPal app, launched in September 2021, which they call a “super app” as it combines payments, savings, crypto, bills, is nicely laid out with the PayPal colours. It has a clear emphasis on sending money which is aligned with the core functionality for them.

However, whilst you can get to your account activity, there is no way of knowing how much you’ve spent over a given period of time, at certain merchants or categories. If you need to manage your money, Roqqett’s smart insights has you covered in that aspect.

Accounts Icon


Connect different accounts in app.
PayPal OneTouch

Pay without card details

Activate One Touch™ to pay without entering card details.

Accepted globally

Paypal is accepted at most online stores and many countries. Link

Personal link

You can personalise your link for peer to peer payments.
Credit Card

PayPal rewards

Earn points to redeem rewards for paying with credit cards.
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Security & Safety

Payment and fraud protection for payments to stores.
PayPal Section Visual
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  • Can send money to family and friends
  • Free account
  • Friends don't need to be Paypal users to pay you
  • Fraud protection
Con Icon


  • Bank transfer isn't instant (literally can take up to 2 fun)
  • Paypal can freeze your account and hold your money #Rude
  • Many fees - fees for failed withdrawal, inactive account and more - read the fine print!
  • Paying with debit or credit card will cost you 😵


The clear difference is that PayPal holds your money whereas with Roqqett, your money stays in your bank account which means that you have full control of your money with Roqqett and bank transfers are instant!

A similarity is that both Roqqett and PayPal allow you to pay without entering any bank account details when paying or transferring money. However, when considering PayPal's fees and freezing of your accounts, Roqqett is definitely the better option.

Overall, Roqqett is the clear winner with our Insights that clearly summarise your spending so that you can effectively manage and plan your finances. PayPal does not do this and is a huge disadvantage.

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Track your spending

Empower yourself to spend smarter by keeping track of your finances with Roqqett Insights. Discover your financial self by learning about your spending habits.