How to Link Your Bank Account to Your PayPal Account

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Linking your bank account to your PayPal account allows you to send money online from your bank, just like using a debit card or writing a check. And if someone sends you money through PayPal, you’ll be able to move it right into your bank account. You can link either a savings or checking account to PayPal using the mobile app or at PayPal.com.

Method 1
Method 1 of 2:

Using the Mobile App

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    You can link your bank account to your PayPal account to easily send and receive money on the Internet.
    • You must have a PayPal account and the Android or iOS app installed to link your bank account with this method.
    • No matter which bank you use, you’ll have to wait 2-3 business days before your account is verified. This is different than the web version , which has an automatic linking option for some major banks.
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    Enter your email address and password when prompted and then tap “Log In.” Once you’re logged in, you’ll see your PayPal profile.
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    This icon is at the top right corner of the screen. Once tapped, you’ll see a menu containing several options.
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    Now you’ll see the “Banks and Cards” screen, where you can add and remove cards and bank accounts.
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    Now you’ll see the “Link a Bank” screen.
  6. {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/f\/f6\/Link-Your-Bank-Account-to-Your-PayPal-Account-Step-6.jpg\/v4-460px-Link-Your-Bank-Account-to-Your-PayPal-Account-Step-6.jpg","bigUrl":"\/images\/thumb\/f\/f6\/Link-Your-Bank-Account-to-Your-PayPal-Account-Step-6.jpg\/aid8023994-v4-728px-Link-Your-Bank-Account-to-Your-PayPal-Account-Step-6.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"<div class=\"mw-parser-output\"><p>License: <a target=\"_blank\" rel=\"nofollow noreferrer noopener\" class=\"external text\" href=\"https:\/\/en.wikipedia.org\/wiki\/Fair_use\">Fair Use<\/a> (screenshot)<br>\n<\/p><\/div>"}
    Tap the word “Type” and choose either “Checking” or “Savings” from the menu.
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    Type your routing number and bank account number into the provided blanks. Find this information in your bank statement, or look at a check.
    • The routing number is the first set of 9 numbers printed at the bottom of each check.
    • Your account number is the second set of numbers on your check and is 3-17 numbers long.
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    In 2-3 days, PayPal will deposit two small amounts between $.01 and $.99 into your bank account to verify that your account info is correct. Once these deposits appear in your account, you’ll be ready to confirm your bank account with PayPal. [1]
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    When you see the two small deposits from PayPal, you’ll be ready to confirm your account online.
    • These deposits are temporary and will be removed by PayPal shortly after verification.
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    Once you’ve received the two small deposits, launch the PayPal app and sign in to your account.
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    The Settings menu will expand.
  12. {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/6\/68\/Link-Your-Bank-Account-to-Your-PayPal-Account-Step-12.jpg\/v4-460px-Link-Your-Bank-Account-to-Your-PayPal-Account-Step-12.jpg","bigUrl":"\/images\/thumb\/6\/68\/Link-Your-Bank-Account-to-Your-PayPal-Account-Step-12.jpg\/aid8023994-v4-728px-Link-Your-Bank-Account-to-Your-PayPal-Account-Step-12.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"<div class=\"mw-parser-output\"><p>License: <a target=\"_blank\" rel=\"nofollow noreferrer noopener\" class=\"external text\" href=\"https:\/\/en.wikipedia.org\/wiki\/Fair_use\">Fair Use<\/a> (screenshot)<br>\n<\/p><\/div>"}
    You will see the new unconfirmed bank account listed here.
  13. {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/3\/36\/Link-Your-Bank-Account-to-Your-PayPal-Account-Step-13.jpg\/v4-460px-Link-Your-Bank-Account-to-Your-PayPal-Account-Step-13.jpg","bigUrl":"\/images\/thumb\/3\/36\/Link-Your-Bank-Account-to-Your-PayPal-Account-Step-13.jpg\/aid8023994-v4-728px-Link-Your-Bank-Account-to-Your-PayPal-Account-Step-13.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"<div class=\"mw-parser-output\"><p>License: <a target=\"_blank\" rel=\"nofollow noreferrer noopener\" class=\"external text\" href=\"https:\/\/en.wikipedia.org\/wiki\/Fair_use\">Fair Use<\/a> (screenshot)<br>\n<\/p><\/div>"}
    Have the two small deposit amounts prepared, as you will be entering them in just a moment.
  14. {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/8\/8e\/Link-Your-Bank-Account-to-Your-PayPal-Account-Step-14.jpg\/v4-460px-Link-Your-Bank-Account-to-Your-PayPal-Account-Step-14.jpg","bigUrl":"\/images\/thumb\/8\/8e\/Link-Your-Bank-Account-to-Your-PayPal-Account-Step-14.jpg\/aid8023994-v4-728px-Link-Your-Bank-Account-to-Your-PayPal-Account-Step-14.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"<div class=\"mw-parser-output\"><p>License: <a target=\"_blank\" rel=\"nofollow noreferrer noopener\" class=\"external text\" href=\"https:\/\/en.wikipedia.org\/wiki\/Fair_use\">Fair Use<\/a> (screenshot)<br>\n<\/p><\/div>"}
    Make sure you enter them exactly as they appeared in your account.
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    This bank account is now linked to PayPal. Now you can use it to send and receive money online.
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Method 2
Method 2 of 2:

Using PayPal.com

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  1. {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/5\/56\/Link-Your-Bank-Account-to-Your-PayPal-Account-Step-16.jpg\/v4-460px-Link-Your-Bank-Account-to-Your-PayPal-Account-Step-16.jpg","bigUrl":"\/images\/thumb\/5\/56\/Link-Your-Bank-Account-to-Your-PayPal-Account-Step-16.jpg\/aid8023994-v4-728px-Link-Your-Bank-Account-to-Your-PayPal-Account-Step-16.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"<div class=\"mw-parser-output\"><p>License: <a target=\"_blank\" rel=\"nofollow noreferrer noopener\" class=\"external text\" href=\"https:\/\/en.wikipedia.org\/wiki\/Fair_use\">Fair Use<\/a> (screenshot)<br>\n<\/p><\/div>"}
    Open PayPal in a web browser. Once you’ve set up a PayPal account , link your bank account to easily send and receive money.
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    You’ll find this link at the upper right corner of the PayPal website.
  3. {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/b\/b1\/Link-Your-Bank-Account-to-Your-PayPal-Account-Step-18.jpg\/v4-460px-Link-Your-Bank-Account-to-Your-PayPal-Account-Step-18.jpg","bigUrl":"\/images\/thumb\/b\/b1\/Link-Your-Bank-Account-to-Your-PayPal-Account-Step-18.jpg\/aid8023994-v4-728px-Link-Your-Bank-Account-to-Your-PayPal-Account-Step-18.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"<div class=\"mw-parser-output\"><p>License: <a target=\"_blank\" rel=\"nofollow noreferrer noopener\" class=\"external text\" href=\"https:\/\/en.wikipedia.org\/wiki\/Fair_use\">Fair Use<\/a> (screenshot)<br>\n<\/p><\/div>"}
    Once your username and password are accepted, you’ll see your PayPal dashboard.
  4. {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/0\/0b\/Link-Your-Bank-Account-to-Your-PayPal-Account-Step-19.jpg\/v4-460px-Link-Your-Bank-Account-to-Your-PayPal-Account-Step-19.jpg","bigUrl":"\/images\/thumb\/0\/0b\/Link-Your-Bank-Account-to-Your-PayPal-Account-Step-19.jpg\/aid8023994-v4-728px-Link-Your-Bank-Account-to-Your-PayPal-Account-Step-19.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"<div class=\"mw-parser-output\"><p>License: <a target=\"_blank\" rel=\"nofollow noreferrer noopener\" class=\"external text\" href=\"https:\/\/en.wikipedia.org\/wiki\/Fair_use\">Fair Use<\/a> (screenshot)<br>\n<\/p><\/div>"}
    Your PayPal wallet is where all of your payment methods are stored. [2]
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    Now is a good time to get your bank account information ready to give to PayPal.
  6. {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/9\/9e\/Link-Your-Bank-Account-to-Your-PayPal-Account-Step-21.jpg\/v4-460px-Link-Your-Bank-Account-to-Your-PayPal-Account-Step-21.jpg","bigUrl":"\/images\/thumb\/9\/9e\/Link-Your-Bank-Account-to-Your-PayPal-Account-Step-21.jpg\/aid8023994-v4-728px-Link-Your-Bank-Account-to-Your-PayPal-Account-Step-21.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"<div class=\"mw-parser-output\"><p>License: <a target=\"_blank\" rel=\"nofollow noreferrer noopener\" class=\"external text\" href=\"https:\/\/en.wikipedia.org\/wiki\/Fair_use\">Fair Use<\/a> (screenshot)<br>\n<\/p><\/div>"}
    You’ll see a list of several major banks from which to choose. If the account you want to link is with any of these banks, click its name. Otherwise, click “I have a different bank.”
    • If your bank is listed on this page, you’ll be able to link your account instantly without having to type your account and routing numbers.
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    If you chose a bank from the list, you’ll be redirected to a site that asks for your bank’s online banking login information. [3]
    • Type your username and password and then click “Link Bank Instantly.”
    • Follow the prompts to link your account with PayPal.
    • PayPal will not store your username and password—it’ll just use it this one time to gather your account information.
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    If you clicked “I have a different bank,” you’ll see the “Link Bank Account” screen.
    • Click “Checking” or “Savings” to chose the type of account to link.
    • Type the routing number and account number into the provided fields. You can find this information printed at the bottom of your checks or in your account statement.
    • Click the “Agree and Link” button.
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    If you entered your bank account information manually, PayPal will try to make two small deposits between $.01 and $.99. Once these deposits appear in your account, you’ll be ready to confirm your bank account with PayPal. [4]
    • These deposits are temporary and will be removed by PayPal soon after verification.
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    Once you see the two small deposits from PayPal, log back in to PayPal and click the “Wallet” link.
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    Now you’ll see a screen with two blanks for entering the deposit amounts. [5]
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    Once you submit the correct information, your bank account will be linked to your PayPal account. You can send and receiving money with this account right away.
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  • Question
    Can only American bank accounts be linked to my PayPal account?
    Roger van piggelen
    Community Answer
    No, I am in Canada and once linked my Canadian bank account to PayPal.
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    Can I link a PayPal account to a Ghana bank account?
    Community Answer
    Yes, PayPal is worldwide.
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  • Question
    What do I do if I only have a debit card?
    Community Answer
    You can add the (pre-paid) debit card in the same way as you add a credit card (as long as the debit card is from AMEX, Mastercard, Visa, or Discover only). If you have a giro card, just link the bank account associated with it.
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      References

      1. ↑ https://www.paypal.com/selfhelp/article/FAQ686
      2. ↑ https://www.paypal.com/selfhelp/article/FAQ1218/9
      3. ↑ https://www.paypalobjects.com/webstatic/en_US/unified-help-center/AddaBank10-9-15.mp4
      4. ↑ https://www.paypal.com/selfhelp/article/FAQ686
      5. ↑ https://www.paypal.com/selfhelp/article/FAQ686

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