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PayPal UK Ltd
Legal entity: PayPal UK Ltd
FCA register status: Authorised — the FCA’s own status for this firm reference, not our finding. See the FCA’s own record on the Financial Services Register.
Companies House 14741686, incorporated March 2023
290banking decisions
24.8%uphold rate
218not upheld
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| Card dispute or chargeback | 74 | 24 | 32.4% |
| Complaint handling | 37 | 14 | 37.8% |
| Credit file reporting | 33 | 10 | 30.3% |
| Account closed or refused | 31 | 2 | 6.5% |
| APP scam refund refused | 31 | 3 | 9.7% |
| Funds blocked or frozen | 30 | 7 | 23.3% |
| Unauthorised transaction | 29 | 6 | 20.7% |
| Irresponsible lending | 26 | 9 | 34.6% |
| Charges and fees | 17 | 6 | 35.3% |
| Service failure | 15 | 10 | 66.7% |
| Payment delayed or failed | 11 | 5 | 45.5% |
| Support for vulnerable customers | 11 | 5 | 45.5% |
The official record
What the firm itself reports to the regulator, scoped to banking and credit complaints only. This is a different measure from the decisions above — it covers all complaints a firm received, not only those that reached an ombudsman. Firms report on periods set by the regulator, which are not always the calendar half-year the file was published under (shown below where they differ). No period-over-period change is calculated here — these are the reported figures only. See the scorecard for all three measures side by side.
| Source | Period | Upheld | Opened | Closed | New cases |
|---|---|---|---|---|---|
| FOS | 2025-H2 | 37.6% | — | — | 1,915 |
| FOS | 2025-H1 | 30.6% | — | — | 840 |
| FOS | 2024-H2 | 35.0% | — | — | 771 |
| FOS | 2024-H1 | 45.6% | — | — | 576 |
Decisions are attributed to a firm only where the decision text names it unambiguously. Where a name could refer to more than one firm, the decision is left unattributed rather than guessed, so these counts are a floor, not a total. Method.