Manage Your Money

Early access can allow a user to access their funds up to 2 days early. Early access to funds depends on when we get payment instructions from the payor (your employer or government agency). When we get funds before the scheduled payment date, your money can be made available up to 2 days sooner than scheduled. Availability and timing can vary based on the payor and when we get payment instructions. Once the funds are received, they will be deposited directly into your PayPal balance.

Check offer for details. Redeem points for cash or other options. Terms and exclusions apply.

PayPal is a financial technology company, not a bank. Banking services provided by Synchrony Bank, Member FDIC. PayPal Balance account is required to use PayPal Savings.

The PayPal Debit Mastercard® is issued by The Bancorp Bank, N.A. (“Bancorp”), pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal.

A PayPal Balance account is required to get the card. Approval contingent on ID verification. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. Terms apply. See Cardholder Agreement for details.

Direct Deposit is subject to the payor's support of this feature. Funds deposited via Direct Deposit will generally be available on the day we receive the funds transfer. You may review activity on your periodic statements or transaction history on www.PayPal.com, or call Customer Service at 1-888-221-1161 to verify receipt. We reserve the right to accept, reject, or limit transfers via Direct Deposit in our sole discretion. If you wish to cancel Direct Deposits, you must contact your employer. PayPal does not charge any fee to set up or maintain Direct Deposit. Refer to your PayPal Balance Terms and Conditions for complete Direct Deposit details. Once it's set up, Direct Deposit usually takes two (2) pay cycles to begin, but can vary across employers. Please check with your employer for specific timing.

As of November 26, 2024, the annual percentage yield (APY) for PayPal Savings is 4.10%. This is a variable rate and can change at any time, including after the account is opened.

Up to $3.95 cash reload fee applies. This service fee is to add cash into your PayPal Balance account.

PayPal Balance account required to access cryptocurrency. Buying and selling cryptocurrency is subject to a number of risks and may result in significant losses. See our disclosure for more details. PayPal does not make any recommendations regarding buying or selling cryptocurrency. Consider seeking advice from your financial and tax advisor. Custody, trading and transfer services for cryptocurrencies are performed for us by our licensed service provider, Paxos Trust Company, LLC or other appropriately licensed or otherwise authorized service provider. Issuance of and custody of PayPal USD is performed by Paxos Trust Company, LLC. Learn more in PayPal's Cryptocurrency Terms, and in the Paxos Terms that also apply to PYUSD. Buying, selling, transferring, and holding cryptocurrencies is not regulated in many states, including the State of California. Buying, selling, transferring, and holding cryptocurrency with PayPal is not available in Hawaii and where prohibited by law. PayPal, Inc. is licensed to engage in virtual currency business activity by the New York State Department of Financial Services.

The Cash a Check feature is a service provided by Sunrise Banks, N.A. with support from Ingo Money, Inc., and is subject to separate Terms and Conditions and Privacy Policy. For additional details, including fees and limits, see PayPal Balance Terms and Conditions. All checks are subject to review and funding approval.

ATMs must display the Mastercard®, Cirrus®, Pulse® or MoneyPass® acceptance marks. Up to $400.00 USD daily withdrawal limit applies. Transactions at non-MoneyPass ATMs have a $2.50 ATM Domestic and International Withdrawal Fee. No fee for MoneyPass ATM Withdrawals in the U.S. International Transaction Fee applies for International ATM Withdrawals. ATM operator fees may also apply. See Cardholder Agreement for details.