# What Is the PayPal Monthly Limit and How to Track It? ![PayPal monthly limit](https://hackmd.io/_uploads/r1-7X6N8el.png) PayPal is one of the most trusted and widely used platforms for **sending, receiving, and managing money** online. However, like most financial systems, it comes with certain **limits and restrictions**, especially for new or unverified users. One of the key limitations many users face is the **[PayPal monthly limit](https://events.scenethink.com/what-are-the-limitations-of-paypal-account-sending-receiving-and-withdrawal-limits-all-you-need-to-know-jul-31-2025)**, which can affect your ability to **send, receive, or withdraw funds**. Whether you're a business owner or a casual user, understanding your **[**PayPal monthly limit**](https://www.linkedin.com/pulse/what-paypal-limit-everything-you-should-know-deepa-kumari-tgppc)** is crucial for smooth, uninterrupted transactions. In this guide, we’ll explore everything you need to know about PayPal’s monthly limits, how to **track**, **increase**, and **optimize** them. **What Is the PayPal Monthly Limit?** ------------------------------------- The **PayPal monthly limit** refers to the **maximum amount you can send, receive, or withdraw in a single month** through your account. These limits vary depending on several factors: * **Account verification status** (unverified vs. verified) * **Account type** (personal or business) * **Country of registration** * **User transaction history** For **unverified accounts**, monthly sending and receiving limits are usually capped at **$500 USD**. Once verified, these limits can be lifted or expanded significantly, often up to **$10,000 or more**, depending on the user’s activity and trust score. **How Do I Increase My Monthly Limit on PayPal?** ------------------------------------------------- If you’ve hit your monthly limit and need more flexibility, here’s how to **[**increase your PayPal monthly limit**](https://events.scenethink.com/what-are-the-limitations-of-paypal-account-sending-receiving-and-withdrawal-limits-all-you-need-to-know-jul-31-2025)**: 1. **Verify Your Account**: * Link and confirm your **bank account**. * Link and verify your **credit or debit card**. * Provide **identity verification documents** if requested. 2. **Upgrade to a Business Account**: * Business accounts generally enjoy **higher or unlimited monthly limits**. 3. **Build a Trustworthy Transaction History**: * Complete payments promptly and avoid disputes or chargebacks. 4. **Contact PayPal Support**: * You can request a manual review to increase your limit, especially for business purposes. Once verified, PayPal automatically increases or removes monthly limits based on your **account standing and transaction volume**. **How Do I Check My Monthly Limit on PayPal?** ---------------------------------------------- To **track your PayPal monthly limit**, follow these steps: 1. **Log into your PayPal account**. 2. Click the **gear icon** (Settings) in the top-right corner. 3. Navigate to **“Money, Banks & Cards.”** 4. Scroll down and click on **“View Limits.”** Here, you can see your current **sending**, **receiving**, and **withdrawal limits**, along with your **monthly cap**. If your account isn’t verified, PayPal will provide instructions on how to lift the restrictions. **Can You Send $5000 Through PayPal?** -------------------------------------- Yes, **you can send $5,000 through PayPal**, but only if: * Your account is **verified** * You haven’t hit your **monthly or daily limits** * The **recipient can accept the amount** Typically, the **per-transaction limit** is **$10,000** for verified users in the U.S., and **[PayPal](https://www.linkedin.com/pulse/paypal-atm-withdrawal-limit-explained-how-much-cash-can-deepa-kumari-11q1c) allows sending up to $60,000 in some cases**, depending on the transaction type and currency. For **unverified accounts**, such large transactions are often restricted until verification is completed. **How Many Monthly Payments Can You Have on PayPal?** ----------------------------------------------------- There’s no strict number of **monthly payments** you can have. However, the **total value** of your transactions must stay within your **monthly limit** unless your account is verified. PayPal monitors: * **Total outgoing transactions** * **Total incoming funds** * **Frequency of payments** If you’re close to or over your limit, PayPal may block further activity until you **verify your account or wait for the monthly reset**. **PayPal Monthly Limit** **per** **Month** ------------------------------------------ The exact **[**monthly limit per month**](https://www.linkedin.com/pulse/what-paypal-limit-daily-weekly-monthly-transfer-receiving-kumari-uszkc)** for each PayPal user varies. Here's a general idea: **Account Type** **Verification Status** **Monthly Limit** Personal Unverified $500–$1,000 Personal Verified $10,000+ (based on history) Business Verified Often no set monthly limit Unverified accounts are typically restricted to **$500/month** for both sending and receiving until the user completes full verification. **PayPal Limits Receiving Money** --------------------------------- If you’ve recently opened a PayPal account or haven't verified your identity, your ability to **receive money** may be capped: * **Unverified accounts**: Limited to **$500/month** * **Verified accounts**: Generally have **no receiving limits**, though some countries may enforce restrictions based on regulatory compliance To increase your **[**PayPal receiving limit**](https://www.linkedin.com/pulse/paypal-receiving-limit-explained-how-much-you-can-get-shreen-vogue-tqepc)**, you must: * Confirm your email and bank account * Submit identification if requested * Maintain a positive transaction history **PayPal Transfer Limit** **per** **Day** ----------------------------------------- PayPal imposes **[**daily transfer limits**](https://www.linkedin.com/pulse/understanding-paypal-sending-limits-what-you-need-know-deepa-kumari-fqq5c/)** for security reasons. Typical daily limits include: * **Sending money to other PayPal users**: Up to **$10,000 per transaction** * **Transferring funds to a linked bank account**: * **Standard transfers**: Up to **$10,000/day** * **Instant transfers**: Typically **$5,000/day** High-volume users may qualify for increased limits with consistent usage and a clean record. **PayPal Monthly Limit Increase** --------------------------------- If your business is growing or your personal transactions are increasing, you can request a **[**PayPal monthly limit increase**](https://www.linkedin.com/pulse/paypal-transfer-limit-how-much-money-can-people-send-through-vogue-bkzhc/)** by: * **Verifying your account** * **Upgrading to a business account** * **Submitting additional identity and tax documents** * **Contacting PayPal support** for custom solutions PayPal may also offer **automatic increases** over time if your account shows trustworthy behavior. **PayPal Sending Limit Unverified** ----------------------------------- For **unverified users**, PayPal typically imposes a sending limit of **$500 per month**. This includes: * Sending money to friends and family * Paying for goods and services * Transferring to bank accounts or debit cards Once your account is verified, these **restrictions are lifted**, and you can enjoy **higher or unlimited limits** depending on your account usage. **PayPal Transfer Limit to Friends** ------------------------------------ You can send money to friends and family using PayPal’s **Friends & Family** option. The limits are: * **Verified accounts**: Up to **$10,000 per transaction** * **Unverified accounts**: Usually restricted to **$500/month** * **Daily cap**: No fixed cap, but PayPal monitors frequency and amounts All transactions must comply with PayPal’s **Acceptable Use Policy**, and excessive or high-risk activity may trigger security reviews. **How to Increase PayPal Receiving Limit** ------------------------------------------ To increase your **[**PayPal receiving limit**](https://www.linkedin.com/pulse/paypal-sending-limit-explained-how-much-money-can-you-deepa-kumari-f9ukc)**, follow these steps: 1. **Log in to PayPal**. 2. Go to **Settings → Money, Banks & Cards**. 3. Select **View Limits**. 4. Follow the steps to complete the **account verification process**: * Confirm your **email** * Link and verify a **bank account** * Add and verify a **credit/debit card** * Upload **identity verification documents**, if prompted Once verified, your **receiving limit will be lifted**, allowing you to accept unlimited payments. **PayPal Limits Receiving Money Unverified** -------------------------------------------- Unverified users are restricted from **receiving more than $500 per month**. These limitations are imposed to prevent **fraud and ensure compliance** with anti-money laundering regulations. To **lift the receiving limit**, verification is mandatory. PayPal requires users to: * Confirm **contact information** * Verify a **financial institution** * Submit a **government-issued ID**, if requested Once verified, the limit is removed or increased based on your **transaction behavior and account history**. **Conclusion** -------------- Understanding your **[**PayPal monthly limit**](https://www.linkedin.com/pulse/paypal-transfer-limit-guide-2025-avoiding-delays-deepa-kumari-l34nc)** is essential for managing both personal and business transactions. Whether you're sending funds to friends, accepting client payments, or transferring money to your bank, knowing your **monthly, daily, and per-transaction limits** helps you stay in control. By **verifying your account, building trust, and maintaining clean usage**, you can enjoy **increased limits and fewer restrictions**, making PayPal a powerful tool for digital money management. **FAQs** -------- 1. **What is the default PayPal monthly limit?** For unverified accounts, it's usually **$500 per month** for sending or receiving. 2. **How do I check my PayPal limit?** Log into your PayPal account → Go to **Settings → Money, Banks & Cards → View Limits**. 3. **How do I lift my monthly limit?** By **verifying your account**, linking bank accounts/cards, and submitting identification if requested. 4. **Can I send $5,000 in one transaction?** Yes, if your account is verified and has not reached the daily or monthly limit. 5. **Is there a limit on how much I can receive each month?** Yes, unverified users are limited to **$500/month**, but verified accounts usually have **no receiving cap**. 6. **How long does it take to verify and increase my limit?** Verification typically takes **1–3 business days** depending on your bank and document processing. 7. **Can I track my monthly PayPal activity?** Yes, go to **Activity** in your dashboard to view detailed monthly transaction history. 8. **Do PayPal Business accounts have higher limits?** Yes, business accounts often enjoy **higher or unlimited monthly limits**, depending on verification status.