PayPal money addition technique.

How To Add Money On PayPal

When you are trying to add money to PayPal, there are a few different options for where you can do it. You have the option of adding it from your bank account or credit card. Suppose you prefer not to enter your banking information online or an international transaction. In that case, another option is to load up money on a gift card and use that as payment instead. We created this guide for you.

What Is PayPal?

PayPal is a popular way to send and receive money online. It’s a secure system for paying without having to give out your credit card information, which is helpful if you’re concerned about identity thieves or hackers getting into your private financial information.

You can use PayPal directly from the website or sign up for an account with them that will allow you access to their mobile app as well.

How to Add Money to PayPal?

The process of adding money into your account is pretty simple, but there are a few different ways to do it, depending on what works best for you.

First, create a PayPal Cash account. Earlier this year, PayPal launched PayPal Cash and PayPal Cash Plus. Users can store money in these accounts within PayPal.

PayPal itself does not require one of these accounts. As long as you have a bank account or credit/debit card associated with your account, you can continue sending and receiving money.

You will need a PayPal Cash or PayPal Cash Plus account to maintain an account balance in PayPal.

All accounts that were active before March 2019 were automatically opened in a PayPal Cash account.

Adding money to your PayPal account requires you to open a PayPal cash account if you are a new user. 

Using a linked bank account

Several options are available for topping up a PayPal balance online. Here are the steps you need to take to add finances to your PayPal account:

  • To complete this process successfully, you must link your local bank account to your PayPal account. Account names on PayPal and bank accounts must match. In such a case, transfers between your PayPal and bank accounts won’t work.
  • Click on ‘Transfer Money’, located under your PayPal balance on the summary page, to receive money from PayPal.
  • To add money to your account, select the ‘Add money’ option on the following page.
  • You can then proceed by following the instructions on your screen. Alternatively, you may visit your local branch to do this.
  • Money will be credited to your PayPal account within 3 – 5 business days. PayPal will notify you by email once the transfer is complete. 

The service is free of charge with PayPal. Transfers may be subject to fees, however. To prevent unpleasant surprises after your payment, contact your bank to confirm these fees before transferring funds.

PayPal App

It is possible to add money quickly and efficiently to your PayPal account by using the app. This app is available on both iPhone and Android platforms. 

If you would like to add money to your PayPal cash balance via the PayPal app, please follow these steps:

  • Download the application to your device
  • Choose ‘PayPal balance’
  • Click on ‘Add money.’
  • Your PayPal account will be charged an amount you specify. Once you have finished the transfer process, click the following prompt in the application.

Receiving funds from family and friends

If you cannot use a bank account to add money to your PayPal account, you can use this method. 

Your friends and family can also send you money via PayPal if you want to top-up your PayPal balance online. PayPal will automatically credit your account with the money sent to you.

Money can be received by ensuring the sender has your PayPal email address. Then, money will be sent straight to the correct account on time. 

You may incur a fee for completing the transaction in case someone sends you money this way. However, transferring from the sender’s PayPal account to yours from their balance or linked bank account, and in the same currency as yours, will not incur any fees for you.

The sender will, however, be charged a fee when they use their credit or debit card. Depending on the currency they are sending, they may also incur a currency conversion fee. If the sender is overseas, the cost of sending money is higher.

What’s preventing you from adding funds to your PayPal account

There could be several reasons why you are not able to add funds to your PayPal account, including:

  • Neither PayPal Cash nor PayPal Cash Plus is set up
  • Your account has been restricted
  • There are no features available in your country or region.

Is PayPal Safe?

PayPal is a secure way to pay online. It’s better than using your credit or debit card directly because you don’t have to worry about someone hacking into the system and getting all of your personal information, which can lead to identity theft if they get access to more than just one piece of sensitive data.

Who Uses PayPal?

In the Philippines, most online freelancers use PayPal to get paid. This is because it’s much safer than other forms of payment like bank transfers, which can take up to five days before the money hits your account and can be used for transactions.


Adding funds to your PayPal account can be done in various ways, which is why we created this guide for you. For example, suppose you’re worried about identity thieves or hackers getting into your private information and stealing all of the money from your bank account. 

PayPal might be the safest way to pay online without having to worry about them ever finding out what kind of personal data you use to access it.