Why should I link a bank account or a credit card to my PayPal account?

By adding your bank account or credit card to your PayPal account, you can conveniently and securely checkout with just your email address and password. If you want to make a payment but don’t have enough money in your PayPal balance, the transaction can be covered quickly and easily by your bank account or credit card.  

Bank account

Linking a bank account to a PayPal account is a convenient way to keep track of your spending. When you link your bank account, it automatically becomes the way you pay when you haven’t chosen a preferred funding source or if it's unavailable and your PayPal balance isn't enough to cover a transaction. You can easily select other funding sources at checkout.

Here's why your payment is secure:

  • The recipient never sees your bank account information when you pay.
  • We review all transactions and let you know if we notice unusual account activity.
  • Unauthorized payments are rare. But if an unauthorized payment is somehow sent from your PayPal account, you’re covered. We’ll reimburse you (typically within 10 business days after you notify us of the unauthorized payment) so you’ll have your money while we investigate the transaction.
Here's why it's handy:
  • We send you a receipt every time a payment is made from your account so you can keep track of transactions.
  • You can withdraw money from your PayPal account to your local bank account.

Credit card
You can link your credit card and use it to send money to family and friends, or to pay for things.

To link your card to your PayPal account, the billing address on your card statement must match the address on your PayPal account.

You can add more than one card to your PayPal account but, for your security, a card can only be linked to one PayPal account at a time.

If your spouse linked your credit card to their PayPal account, for example, they need to remove it from their account before you can add it to yours.
For security reasons, you can only link a card that has a card verification number (also known as a CSC code). We ask you to enter the card verification number when you link it to your PayPal account.

If you use your card to send money to someone for personal reasons (not to pay for something), we charge a small fee.

You can pay the fee or ask the recipient to pay it. Your card issuer may charge a cash advance fee.