How do I link my bank account or Credit Card to PayPal?

Linking your bank account to PayPal is a simple process that makes it easy to manage your funds and withdraw money 1-877-519-5092 sent to your PayPal account.

In this guide, we'll walk you through the easy steps to link 1-877-519-5092 bank account to PayPal (whether it's a personal or business account) on both your desktop and mobile device, allowing you to get the most out of your PayPal account for all your transactions.

Setting Up a PayPal Account

If you don't have a PayPal account yet, setting one up will be the first step before you can link your bank account.

If you already have a PayPal account, you can skip these steps.

Step 1: The first step is to navigate to paypal.com or download the PayPal app from your App Store (for iOS) or Google Play Store (for Android).
Step 2: Click the "Sign Up" button. Choose between a business account (for selling products) or an individual account (for informally sending and receiving money). Select the appropriate option and click "Next."
Step 3: Choose your country
Step 4: Enter your email and phone number and click "Next."
Step 5: Create a password and provide additional details, including your name, date of birth, nationality, and address. You may also need a passport or national ID number.
Step 6: Verify your email to complete the setup. Once this is done, your PayPal account is now ready for the next step.

How to Link Your Bank Account to PayPal

Now that your PayPal account is set up, let's look at the steps to link your bank account to PayPal.
You can link your bank account to PayPal in two ways: instantly by logging into your bank or by manually entering your bank details.
Whether you're using a desktop PC or the mobile app, you can follow the steps outlined below.

Go to your Wallet: Log in to your PayPal account and navigate to the "Wallet" section.
Click "Link Bank" - Depending on your region, this option may appear as "Link Bank" or "Link Card or Bank." If you're in the app and can't find the button, look for a plus (+) symbol. Once you tap +, you should see "Banks & Cards." Tap it to expand it and you'll find "Banks."
Choose your bank: Select your bank from the list of major banks displayed. If your bank isn't listed, you can use a search feature to find it.
Sign in to your bank account: You'll be prompted to log in with your bank account credentials and click “Accept & Link.” Please note that if you choose this option, PayPal may use a third-party provider to verify your account and view your balance or transactions for the next 90 days. You can revoke these permissions at any time in your PayPal settings.
Confirm your bank account: Go back to your Wallet, select the bank account you want to confirm, and you'll see an option for instant bank confirmation. Once you confirm, your bank account will be linked instantly.
If you don't want to log in to your bank account with your bank account username and password, you can also choose to link your account manually.

Option 2: Link your bank account manually (1-7 days)

Go to your wallet: Log in to your PayPal account and go to the “Wallet” section.
Click “Link bank”: Like the instant method, this option may appear as “Link bank account” or “Link bank and card,” depending on your region.
Choose your bank: Select or search for your bank from the list.
Select “Link another way”: Look for the “Link another way” option under the bank login option.
Enter your bank information: Provide your account type (checking or savings) and enter your bank’s account numbers, along with a sort code or routing number. Review the information, and once it’s correct, click “Accept and link.”
Receiving deposits: PayPal will send either a small deposit with a 4-digit code or two small deposits between USD 0.01 and USD 0.99 or less than GBP 0.01 if you're in the UK. Depending on your location, these deposits can appear within a few minutes or 2 hours or up to 3-7 business days.
Confirming deposits: Once you receive the deposits, go to the "Wallet" section. Select your bank and enter the 4-digit code or the two deposit amounts. For example, if you receive deposits of USD 0.02 and USD 0.12, enter 0.02 and 0.12 on the screen. Then, click "Send" to confirm.
If you don't see the deposits
If you don't see the deposits in your bank account, go back to your Wallet and request that PayPal resend them.
In some cases, banks may combine the two small deposits into one. If this happens, please contact PayPal to confirm your bank account or try to instantly link it through a bank login.

How to link your business bank account to PayPal

There are two main ways to link your bank account to PayPal, whether it's a personal or business account:

Link it instantly by logging into your bank account.
Link it manually by entering your bank details and confirming small deposits.
The general process is similar for both types of accounts, with minor differences in navigation.

On PC, go to Banks & Cards and click Link a new bank. If you're on a mobile device, tap More > Settings > Cards & Banks > Link a card or bank account, or tap the plus sign (+) if you can't find it.

Search for your bank or select it from the list.
Sign in with your bank credentials. PayPal may use a third-party provider to verify your account and view your balance or transactions for the next 90 days. You can revoke these permissions in settings.
Depending on your region, you can confirm the link by going to Finance or Pay & Get Paid > Banks & Cards, then select the bank account you want to confirm.

Option 2: Link manually (1-7 business days)

Go to Banks & Cards > Link a new bank. If you're using a mobile device, go to More > Settings > Cards & Banks > Link a card or bank account, or tap the plus (+) icon if it's not visible.
Select Link another way and enter your bank details.

Wait for small deposits to be made, either one deposit with a 4-digit code or two small deposits. The amount must be less than USD 0.99, GBP 0.01, or a similar amount in other currencies.
Once you receive the deposits, go to the Finance or Banks & Cards section and enter the code or deposit amounts. For example, if you receive USD 0.12 and USD 0.34, enter 0.12 and 0.34. Click "Submit" to confirm.
If you don't see the deposits, navigate to the Money page to request that PayPal resend them or contact PayPal Business Support.
If your business bank account requires multiple authorizations for debits, you may need to print, sign, and mail a Bank Deposit Instruction to complete the linking process.

Information about bank account limits

Linking a bank account to PayPal is generally straightforward, but there are some limitations to be aware of. For example, there are restrictions on how many bank accounts can be linked to a single PayPal account. Typically, you can link up to 8 bank accounts.
Also, a single bank account can only be linked to a maximum of 2 PayPal accounts at a time. If you try to add a bank account that is already linked to two PayPal accounts, you won't be able to connect it. However, you can unlink bank accounts from your PayPal account. If you need to link your bank to a new PayPal account but it's already connected to another one, simply remove it from the current PayPal account to relink it.

Is it safe to link your bank account to PayPal?

Linking your bank account to PayPal is generally safe, as PayPal uses advanced encryption technology to protect your sensitive information during transactions. It also provides 24/7 fraud monitoring to further protect your account.
While PayPal offers one level of security, you can enhance your protection by enabling two-factor authentication (2FA) or multi-factor authentication (MFA). These additional layers of security help ensure that only you can access your PayPal account, even if someone has your password.

How to enable two-factor authentication or multi-factor authentication:

Sign in to your PayPal account and select Settings.
In the Security section, select two-step verification.
Follow the prompts to set it up, which usually involves choosing an additional verification step, such as linking your phone number or using an authenticator app. Click Set Up.

For business accounts:

Go to Profile Settings > Login & Security > Two-Step Verification > Update.
Choose your preferred verification method, such as linking your phone number or using an authenticator app.
Click Set Up.