Exchange messages to make payments between friends more fun and less awkward.
Use your PayPal Cash Card2, PayPal balance, or bank to send money online in the US.
When you send money, recipients can get it quickly.1
With encryption technology, we go the distance to help make sure your money transfers are secure.
Our animations, brightly-colored emojis, and range of themes means sending money doesn't have to be so black and white.Send money now
Personalize your send with an inside joke or simple thank you note, and get real-time responses from the recipient.
Transfer money using our Xoom service to 130+ countries, even if the recipient doesn't have a PayPal or Xoom account.3Send money globally
transaction fees within the US
when you send money from your linked bank account or PayPal balance.1
per transaction within the US
when using your debit or credit card, or PayPal credit.4
1 An account with PayPal is required to send and receive money.
2 The PayPal Cash Card is a debit card linked to your PayPal Balance account. The PayPal Cash Card is not a credit card. PayPal is not a bank and does not itself take deposits. You will not receive any interest on the funds in your PayPal Balance account. Cash funds held in a PayPal Balance account are not eligible for FDIC pass-through insurance coverage unless you have a PayPal Cash Card, or have enrolled in Direct Deposit, or have bought cryptocurrency. If your PayPal Balance account is eligible for FDIC pass-through insurance, PayPal will deposit your cash funds into one or more custodial accounts maintained for the benefit of eligible customers at one or more FDIC-insured banks. Funds in these custodial accounts are eligible for pass-through FDIC insurance coverage up to applicable limits. See the PayPal Balance Terms and Conditions for additional information.
The PayPal Cash Mastercard ("PayPal Cash Card") is issued by The Bancorp Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. The Bancorp Bank is issuer of the Card only and not responsible for the associated accounts or other products, services or offers from PayPal. Card may be used everywhere Mastercard is accepted. The Bancorp Bank does not hold your PayPal Balance account funds.
3 Fees and limitations apply. In addition to the transaction fees, Xoom also makes money when it changes your US dollars into a different currency. No PayPal or Xoom account necessary.
4 Fees are subject to change. Learn more.