How To

How to link a bank account in PayPal

How to link a bank account in PayPal
Miranda Lucas

Miranda Lucas

  • Updated:

PayPal is an easy and safe way to purchase things online. Make it even faster by linking your bank account to your PayPal account. In a couple of steps and a couple of days, you can easily pay for items online via your bank.


How to link a bank account in PayPal

To get started, head over to PayPal and sign in. Click “Wallet” at the top of the screen.

paypal menu

Here you can “Link a debit or credit card” or “Link a bank account.” In this case, we’ll click the bank option.

paypal link

Now, choose your bank from the list:

paypal banksIs your bank missing? Click “I have a different bank” if you don’t see yours listed. If that’s the case, enter in your routing and bank account number at the prompt to connect your bank and PayPal.

If your bank is on the list, choose it. Some banks will let you instantly connect by using your bank login information. You would use your user ID and the password for your online bank account, not your PayPal login information, for instant confirmation.

Otherwise, select “Checking” or “Savings,” and enter in your account number and your bank’s routing number. If you have a check lying around, here’s where to find those numbers:

check image

The routing number contains nine numbers. Double check the numbers you entered. Then, select “Agree and Link.”

In a couple of days, take a look at your bank statement. You should find two small deposit amounts that range between $.01-$.99. Then, you will see a third amount that has added the numbers and withdrawn it. To connect your bank and PayPal, you must enter in the two deposit amounts.

If your bank has only deposited one lump sum from PayPal, you will need to call PayPal to confirm the information or you can turn to instant confirmation and input your info.

If you have two separate deposit amounts, click on “Wallet” at the top of the PayPal page. Choose the bank you want to confirm. Next, carefully enter the exact amount deposited into your account. Submit the information.

Is your bank confirmed? If not, PayPal shares a few things to keep in mind when linking accounts.

  • The bank account must be a U.S. bank.
  • The bank account can’t be linked to more than one account at a time.
  • The bank account can’t be linked if it has already been linked to 3 previous PayPal accounts.
  • The name on the bank account must match the name on the PayPal account.

Your accounts, connected

Connecting your bank account to PayPal is a simple way to streamline your online shopping. There’s no reason not to get your accounts connected.

Miranda Lucas

Miranda Lucas

Miranda Lucas is a writer based in Austin, Texas. Since graduating from the University of Michigan, she's written for numerous web-based publications. In her free time, she enjoys running, camping, and learning Spanish. Every year, she asks Santa for a second season of Firefly, but she's starting to think Santa isn't real.

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