PayPal and your debit card

Linking your card can save you time on online purchases.

By linking your PayPal account to your debit card, credit card or bank account, you can pay for your online purchases and send quick and convenient international money transfers without entering your card or account information each time.

Debits cards you can link to PayPal

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Name	Product	APY	ATMs	Fee
Aspiration Account		2.00% on balances of $10,000+ or deposit $1+ each calendar month into any Aspiration banking or investment account	Free to use anywhere worldwide	$0	A high-interest account that operates like a checking account with no monthly service fees, free access to every ATM in the world, unlimited cash back rewards and deposits insured by the FDIC.	Go to site More Info	Compare	loading Fetching your data...
Chase Total Checking			Access to 16,000 ATMs and nearly 5,000 branches nationwide	$12/month (can be waived)	Get a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account. Chase's simplest checking account is easy to use and gives you access to 16,000 ATMs and nearly 5,000 branches.	Go to site More Info	Compare	loading Fetching your data...
Chase Sapphire Checking		0.01%	16,000 Chase ATMs and nearly 5,000 branches in 28 states	$25/month (can be waived)	Current Sapphire cardmembers can get 60,000 Chase Ultimate Rewards bonus points when you join Sapphire Banking by June 15, 2019. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts, and maintain the balance for at least 90 days.	Go to site More Info	Compare	loading Fetching your data...
BBVA Compass ClearConnect Checking			You’ll get fee-free access to over 56,000 ATMs around the world	$0	A full-service account with convenient, surcharge-free access to two massive ATM networks.	Go to site More Info	Compare	loading Fetching your data...
Simple		2.02% on balances of $2,000+ 0.01% on balances of $0 to $1,999	40,000 AllPoint ATMs in Simple’s network	$0	Banking and budgeting in one simple app.	More Info	Compare	loading Fetching your data...
Square			Anywhere Mastercard is accepted	$0	Use your business debit card anywhere Mastercard® is accepted, with no monthly fees, sign-up fees, or annual fees.	Go to site	Compare	loading Fetching your data...
HSBC Advance Checking		0.01% on balances of $5+	Surcharge-free HSBC ATMs nationally and internationally, plus up to four rebates a month for using non-HSBC ATMs in all US states except New York	$25/month (can be waived)	Get a $350 Welcome Deposit for eligible new customers who open an HSBC Advance Checking account with qualifying activities by June 2, 2019	Go to site More Info	Compare	loading Fetching your data...
Venmo card				$0	A real debit card. For the real world. Take your Venmo balance shopping.	More Info	Compare	loading Fetching your data...
Chase Premier Plus Checking		0.01%	Access to 16,000 ATMs and nearly 5,000 branches nationwide	$25/month (can be waived)	Get a $300 signup bonus as a new Chase checking customer when you open a Chase Premier Plus Checking account and set up direct deposit.	Go to site More Info	Compare	loading Fetching your data...
Chase Total Business Checking			16,000 Chase ATMs and nearly 5,000 branches	$15/month (can be waived)	If you’re new to Chase, get $200 when you open this account and complete qualifying activities. It boasts convenient features to help small and growing businesses reach their goals.	Go to site More Info	Compare	loading Fetching your data...
HSBC Premier Checking		0.01% on balances of $5+	Surcharge-free HSBC ATM access nationally and internationally	$50/month (can be waived)	Get a $750 Welcome Deposit for eligible new customers who open an HSBC Premier Checking account with qualifying activities by June 2, 2019.	Go to site More Info	Compare	loading Fetching your data...

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How does PayPal work?

PayPal’s online payments system allows you to send and receive money online from almost anywhere in the world. It uses encryption software to help users send electronic money transfers to other PayPal customers, allowing you to instantly pay for purchases online and on your phone.

There are three ways you can add money or pay for purchases through your PayPal account:

• Using your PayPal balance. This is always the first option when buying something online.
• Using your bank account. You can link your checking account to your PayPal account to pay for purchases online.
• Using your credit or debit card. You can also add money to PayPal from your debit card or credit card.

How do I link my debit card to my PayPal account?

To add a new debit card:

1. Log in to your PayPal account with your email address and password.
2. Click the Wallet link near the top of the page.
3. Click on Link a credit or debit card and then click on Debit or credit card.
4. Enter your card number, type, expiration date, CVV and billing address.
5. Click Link card.

In some cases, you may need to confirm your card with PayPal by requesting a PayPal code. To do this you will need to:

1. Log in to your account
2. Click Wallet followed by the card you want to confirm.
3. Click the Confirm card link.
4. Check that the information is correct, and then click OK.
5. Wait for the $1.95 temporary charge to be applied to your debit card.
6. Navigate back to your Wallet and then to the card that needs to be confirmed. Enter the 4-digit code that appeared on your bank statement or transaction history along with the $1.95 charge from PayPal and click Confirm.

You can now add money to PayPal from your debit card.

• Why was my debit card denied?

  There are a few reasons a debit card might be denied:

  • A debit card can only be linked to one PayPal account at a time.
  • Your card must have a card verification code (CVV), which is usually a three-digit code displayed on the back of the card.
  • The billing address you provide to PayPal must match exactly the billing address on your debit card statement.
  • All numbers you provide, including the card number, expiration date and CVV, must be entered exactly as they appear on the card.
  • Your name must exactly match the name on the card, including any middle names or initials.

Compare debit cards you can link to PayPal

How do I link my credit card to PayPal?

Linking a credit card to PayPal works exactly like linking a debit card. Follow the steps above to link your Visa, American Express, Mastercard or Discover.

How can I remove a debit card or credit card from my PayPal account?

If you no longer want your debit card to be linked to your PayPal account:

1. Log in to your PayPal account with your email address and password.
2. Click the Wallet link near the top of the page.
3. Click the card you’d like to remove and then click Remove card, which is near the bottom of the page.
4. Click Remove this card.

Bottom line

PayPal allows you to link your credit card, debit card or bank account so that you can easily spend your money online without entering your card or account information for each purchase. But to make your money even more accessible, compare checking accounts to find one that offers online banking, good customer service and money management options that fit your needs.

PayPal and debit cards FAQ

• Does it cost anything to open a PayPal account?

  No, it is free to sign up for a PayPal account.

• How do I sign up for a PayPal account?

  Go to PayPal’s website, click Sign up and follow the onscreen prompts to enter your email address, password and personal details before linking any credit cards, debit cards and bank accounts to your PayPal account.

• What is the PayPal Cash Card?

  It’s a debit card offered by PayPal that can be funded from your PayPal account. You can also get the reloadable PayPal Prepaid Mastercard.

• Will I be charged a cash advance fee when I send funds using my credit or debit card?

  No, you will not be charged a cash advance fee when you use your debit or credit card to send money.

• Can I link my debit card to more than one PayPal account?

  No, your card can only be linked to one PayPal account at a time.

• Why can’t I link my debit card to PayPal?

  This may be because your card is linked to another account, your card is not compatible with the PayPal system, or the billing address you have provided doesn’t match the one on your card statement.

• How do I change the expiration date of the credit or debit card linked to my PayPal account?

  Login to your PayPal account and click Wallet at the top of the page. Choose the card you’d like to update, click Update card, enter the new information and click the Update card button.

• What happens if I fail to confirm my debit or credit card?

  If you enter your card code incorrectly five times, your debit or credit card will be disabled from the PayPal system. You will need to contact PayPal for the card to be reset.

• Why has my credit or debit card been charged twice for the same purchase?

  This may mean that you sent a payment multiple times, for example by clicking “Send Money” more than once. You will need to get in touch with the recipient to request a refund.