PayPal is one of the world's leading and most widespread international e-payment systems for online purchases and money transfers. And if you, like people around the globe, regularly use PayPal to send and receive payments, not having enough money in your balance can result in late payments or prevent you from making smooth transactions.

There are several methods of how to add money to your PayPal balance. Let's review all of PayPal's top-up options, so you can choose the most convenient for yourself.

Add Funds to Your PayPal Balance by Linking Your Bank Account

1. Open up your PayPal and select “Wallet.”
2. Click “Transfer money” and “Top up balance.”
3. Select your linked bank account.
4. Specify the required amount and click “Add.”

The transferred funds will be available in a few days. This method is free, but remember that the bank and PayPal accounts must be registered under the same name.

Add Money to Your PayPal Account by Using a Debit or Credit Card

This is another PayPal top-up option, which, however, is not always available. It all depends on your PayPal account settings. So, how to add money to your PayPal using cards, and what needs to be done for this?

1. Open your PayPal Wallet.
2. Select “Link a debit or credit card”.
3. Take the necessary steps to connect the card manually or automatically.

Now, you can add funds to your PayPal balance, similar to how you would with a linked bank account. All you have to do is choose a credit or debit card to pay instead of a bank account.

Top up Your PayPal by Receiving Payments

If you’re wondering how to add money to your PayPal card without a bank account; you should consider asking your friends or family to send you funds. This will demonstrate the only info they need is the email address your PayPal is linked to.

The main and, perhaps, only drawback of this option is the need for the sender to pay a fee, which is, as a rule, 3-4%, depending on the sender's country. However, there are no fees involved if they transfer the money using their PayPal account, the money is of the same currency, and it is not a cross-board transfer.

Add Cash to Your PayPal Balance with PayPal Cash Card

One more method of how to add cash to your PayPal balance is a PayPal Cash Plus account.

So, how to add cash to PayPal in such a way?

1. Log in to PayPal and click “More.”
2. Select “Add Cash”, find the retailer you want to visit and create a barcode.
3. Give the generated barcode and cash to be credited to your balance to the seller.

Keep in mind that the barcode's validity period is only 60 minutes, and such a procedure will cost $4.95. In addition, you will be limited to $500 a day and to $4,000 a month.

Conclusion:

If you’re wondering how to add money to a PayPal account, at least 5 options are available. After reviewing the top methods of replenishing the balance and instructions, you can choose and use the optimal one.

If you cannot replenish your PayPal, then there may be several reasons. Your account may be restricted, or the method you are trying to use may not be available in your country.

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PayPal is an efficient service, as long as you always make sure to have a cushion of money in your account.

Not having enough cash in your PayPal balance can lead to late payments or prevent you from making quick transactions to other accounts.

There are several ways to add money to your PayPal account, so here are 4 ways to add cash right into your Paypal account.

Add more options to your PayPal account

Upgrade your PayPal business account by connecting it to a digital business account in Hong Kong.

Getting virtual access to a Hong Kong business account gives your business multi-currency goodness that helps make it easier to side-step foreign exchange fees and makes life much easier when making payments.

When you top up your PayPal business account, you should do it on your terms.

Set up a PayPal Cash account first

In March 2019, PayPal introduced PayPal Cash and PayPal Cash Plus accounts.

These accounts are designed as a place within PayPal where users can store money.

You don’t need one of these accounts to use PayPal itself. You can continue to send and receive money if you have a bank account or credit/debit card linked to your account.

But if you want to hold a balance of money in PayPal you need to either have a PayPal Cash or PayPal Cash Plus account.

PayPal automatically opened a Cash account for all active accounts created before the March 2019 cut-off.

If you are new to PayPal, you need to open a cash account before you can start adding a balance to your account.

Method

1: Add money to your balance using a linked bank account

If you want to top up your PayPal balance online, you can rely on several options.

Follow these steps to top-up your PayPal cash balance using your linked bank account:

1. You need to link your local bank account to your PayPal account to be able to complete this process. The name on your PayPal account needs to match the name on your bank account. If not, transfers between your bank account and PayPal account will fail.
2. Log into your PayPal account and click ‘Transfer Money’, situated under your PayPal balance on the summary home page.
3. On the next page, select ‘Add money to your balance’
4. Then follow the instructions on-screen to make a transfer from your bank account to your PayPal account. You can choose to do this using online banking or by visiting your local bank branch.
5. Note that it will take about 3 to 5 business days for your money to appear in your PayPal balance. You will receive an email from PayPal to let you know when the transfer is complete.

PayPal does not charge any fees for this service. However, your bank may charge you fees for transfers. What's important to keep in mind is they have limits on how much money you can add to your account.

• Up to USD 5,000 per day.
• Up to USD 10,000 per week.
• Up to USD 20,000 per month.

Check with your bank before making any payments to confirm what these fees are, so you don’t get any horrible surprises after your transfer!

🔍Statrys Tools: Use our free PayPal fee calculator to get an estimate on how much fees you will be paying when invoicing clients using PayPal. This tool is suitable for businesses and freelancers.

Method

2: Add money from the PayPal app

Another quick and efficient method to add money to your PayPal account is to use the PayPal app.

Designed specifically to make topping up your PayPal balance easy!

The app is available both on the Apple App Store and on Google Play.

Follow these steps to top-up your PayPal cash balance using your linked bank account via the PayPal app:

1. Open the application on your device
2. Tap 'PayPal balance'
3. Select 'Add money
4. Confirm the amount of money you want to transfer into your PayPal account.
5. Follow the next prompts in the application to finalize your transfer

Method

3: Add money using the PayPal Cash card

This service is only available to users with a PayPal Cash Plus account and that are located in the US.

There is a fee of USD 4.95 to use this service.

A PayPal Cash card is a debit card that lets you use your PayPal balance to make regular debit/credit card purchases.

It also lets you add money to your PayPal balance.

1. Sign up for a PayPal Cash card. Once PayPal has processed your request, they will send you a card within 7 to 10 business days.
2. Activate your PayPal Cash card when it arrives. You can do this via your phone, tablet, or on computer.
3. Open up the PayPal app and tap ‘PayPal balance’
4. Tap ‘Add money’, then select ‘Add Cash’.
5. Select a retail location near you that supports the PayPal Cash card. It’s recommended to follow the next steps only when you’re close to the location. You’ll create a barcode and only have one hour to complete the transaction at the location you select. If you don’t get to the location in time, you’ll have to create a new barcode.
6. Tap ‘Generate Barcode’ at the bottom of the screen.
7. Show the barcode to the cashier so they can scan it and process your payment. Your money will be available in your PayPal account within 15 minutes!

Method

4: Receiving money from friends and family into your PayPal account

This method is particularly useful if you can’t add money to your PayPal account using a bank account.

Alternatively, to top-up your PayPal balance online you can get your friends and family to send you money through PayPal.

Money sent to your account will automatically be added to your PayPal balance.

Receiving money is easy, just make sure that the sender has the email address linked to your PayPal account.

This will guarantee that the money is sent on time and to the right account.

The only disadvantage to using this method is that whoever is sending you money may end up paying a fee to complete the transaction.

If the sender transfers from their own PayPal account, using their balance or a linked bank account, and in the same currency as yours, then they won’t pay any fees.

However, fees apply when the sender uses a credit or debit card to transfer money to your account.

They may also incur a fee to cover a currency conversion, based on the currency they are sending.

The costs of sending money are therefore higher if the sender is transferring money from abroad.

💡Tip: Learn how to make a payment via PayPal, even without an account.

Why you’re unable to add money to your PayPal balance

If you keep trying to add money to your PayPal account but the transfer isn’t going through, it could be because:

• You haven't set up a PayPal Cash or PayPal Cash Plus account
• There is a limitation placed on your account
• The feature you’re trying to use is not available for your region or country.

Alternatively, if you are looking to withdraw cash from PayPal instead, we have a detailed guide on how to do just that.

💡Tip: Learn how to withdraw money from PayPal with our step-by-step guide.

Although PayPal is still a convenient way for individuals to pay for goods and services online, as well as make or receive transfers, it is certainly not the best option if you are a business owner because wire transfer and telegraphic transfer are still the go-to methods for businesses due to their safety and reliability.

How do I add money to my PayPal account with a debit card?

To add money from your eligible bank account or debit card on the app:.

Tap Finances..

Tap Add Money From Bank or Card..

Enter the amount and tap Next..

Tap either 'In seconds with debit' or 'in 3-5 days with your bank'..

Can you top up PayPal with card?

To add money via credit or debit card, you can link your card to your PayPal account and then make a transfer. Keep in mind that there may be fees associated with this option.

Can you send money to yourself on PayPal?

So, how can you send money to yourself on PayPal? The only way to do that is to use two different PayPal accounts: one for sending and one for receiving. In this case, you will also need two different email addresses or phone numbers associated with each account.

Can I use my debit card to pay on PayPal?

PayPal allows you to make payments using a variety of methods including: PayPal balance, a bank account, PayPal Credit, debit or credit cards, and rewards balance.