TREE NEWS reports: Krak and PayPal support personal payments between the US and UK, while Cash App requires US residency. Conversion terms and bank withdrawal conditions determine the total cost of a transfer beyond the in-app fee.
Krak, PayPal Support US-UK Payments; Cash App Limits to US Residents
The practical significance here is less about PayPal's brand and more about the fine print: conversion terms and bank withdrawal conditions, not the headline in-app fee, decide what a transfer actually costs. That distinction matters most for users comparing cross-border rails, since a familiar logo can mask a less favorable all-in rate. Cash App's US-residency requirement also sharpens the contrast between platforms positioning for US-UK corridors and those staying domestic. Whether the fee-versus-spread gap becomes a real differentiator for these routes is the open question worth watching.
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