How to link your debit card and PayPal account | finder.com
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PayPal and your debit card

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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

Name Product APY ATMs Fee
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.
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.
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.
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.
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.
Square
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.

Compare up to 4 providers

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.

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.

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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

Image source: Getty Images

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