Frequently asked questions

Find more ways to manage your money

PayPal Savings
 
Direct Deposit
 
Add Cash
 
Crypto
 
Cash a Check
 
Pay Bills
 

All in

the new

PayPal app

It’s your do-it-all digital wallet. Load up on cash back offers before you shop. Track your packages. And manage it all on the go.

A QR code you can scan with the camera on your phone to download the PayPal app
Get the app
Get the App

A debit card with cash back

Earn cash back as you shop

Gas, groceries, clothing, and more. Pick a category each month.1

More places to use a balance

Tap or swipe your card. Add it to your phone’s wallet to tap and pay.

Withdraw cash at ATMs

It’s free at US MoneyPass ATMs. Or for a fee at ATMs around the world.4

No monthly card fees

And no credit check.5 Start spending the money in your balance.3

Stack with other offers

Find cash back offers from top brands in the PayPal app.6

If it’s in your category, check out online with PayPal and use your PayPal Debit Card to add 5% cash back on top.1

Learn More About Rewards

Add money your way

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Get started:

Get the App

Set up fast

Once you’re approved, it’s just a quick ID check3 and you’re ready to go.

Pick your category

Choose where to earn 5% cash back.1 You can pick a category each month.

Add money

Add money to your balance from your bank or debit card. Add cash in a store. Or set up auto reload so you're always ready to spend.

Make it mobile

Add your card to your mobile wallet to pay in stores with a tap of your phone.

Pay everywhere

Pay in stores and online with your PayPal Debit Card. And watch your cash back add up.

Make the most of your debit card

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Protection from PayPal and Mastercard®

Get peace of mind with Purchase Protection on eligible items.13 Plus, Mastercard’s Zero Liability,14 built-in chip technology, and temporary card locking capabilities help keep your money safe.

Learn About Purchase Protection

PayPal Debit Card

Earn 5% cash back.

Pick a category each month—gas, groceries, and more. Then get 5% cash back¹ on up to $1,000 spent in your cash back category per month. Use your card anywhere Mastercard is accepted.2

Get the CardSign Up
A PayPal Balance account is required to get the PayPal Debit Card.3
1
5% cash back earned on up to $1000 of spending per month. Cash back awarded as points that can be redeemed for cash or other options. Terms apply.
2
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.
PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance Account. See PayPal Balance Terms and Conditions.
If you have opened a PayPal Debit Card Mastercard® account, enrolled in Direct Deposit, or bought or received cryptocurrency with your personal PayPal Balance account, we will place your U.S. dollar PayPal Balance funds in one or more Program Banks, where they will, subject to certain conditions, be eligible for pass-through FDIC insurance, up to applicable limits. FDIC insurance protects you against the failure of a Program Bank, not the failure of PayPal. PayPal is not a bank, does not take deposits and is not FDIC insured. Any other balance funds and all cryptocurrencies are not held in FDIC-insured bank deposits. Cryptocurrencies may lose value. See PayPal Balance Terms and Conditions.
3
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.
4
ATMs must display the Mastercard®, Cirrus®, Pulse® or MoneyPass® acceptance marks. Up to $400 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.
5
This is not a credit card.
6
Check offer for details. Redeem points for cash back or other options. Offer terms, PayPal Rewards terms and exclusions apply.
7
A PayPal Balance account is required to maintain and use a balance.
8
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.
9
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.
10
Transfers may take up to 30 minutes and vary by bank. Limits, fees and other holds may apply.
11
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
Effective February 14, 2022, Cash a Check is no longer available to PayPal customers located in New York.
12
Up to $3.95 cash reload fee applies. This service fee is to add cash into your PayPal Balance account.
13
Available on eligible purchases. Terms and limitations apply. See PayPal Purchase Protection Terms and exclusions.
14
Conditions and exceptions apply – see Cardholder Agreement.
All screen images are for illustrative purposes only.
Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.
Google Pay is a trademark of Google LLC.
Samsung Pay is a trademark or registered trademark of Samsung Electronics Co., Ltd.