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Help Center > My Money/Bank accounts and credit cards > Why should I link a bank account or a card to my PayPal account?

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

By linking your bank account or card to your PayPal account, you will never need to pull out your wallet and enter card numbers or any personal information when you make an online payment using PayPal. With just an email address and password, you can conveniently and securely checkout. If you are trying to make a payment, but don’t have sufficient funds in your PayPal balance, the transaction can be covered quickly and easily by your selected primary funding source (bank account or 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 payment method or your preferred payment method is unavailable and your PayPal account balance isn't enough to cover a transaction. You can easily select other available payment methods at checkout.

Once you link a bank account, paying with your bank is secure. Here’s why:
  • The recipient never sees your bank account information when you pay.
  • We send you a receipt every time a payment is made from your account so you can keep track of transactions.
  • 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.
  • You can also withdraw money from your PayPal account to your local bank account.

Debit or credit card
You can link your Visa, MasterCard, Discover, or American Express card 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 link to one PayPal account at a time.

If your spouse linked your debit or credit card to their PayPal account, for example, they need to remove the card 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 the card to your PayPal account.

***PayPal does not charge a fee when you use your card to pay for goods, services, or eBay items.

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. Note that your card issuer may charge a cash advance fee.
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