Payment systems

Top 5 Methods to Add Money to Your PayPal Account

Irina Tsymbaliuk
Add Money to Your PayPal Account

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.


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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How to add money to your PayPal balance with a debit card?

First, you must link a debit card  to your PayPal wallet. After connecting the payment tool, log into your account and replenish the balance by selecting the linked card and indicating the transfer amount.

How to add money to PayPal without a bank account?

To do this, you can ask your friends or family to transfer funds to you or add cash with a PayPal Cash Plus account.

How to add PayPal to a Cash App?

You cannot directly link your PayPal account to the Cash App. However, you can link your PayPal account to the bank and then to the Cash App. You can also get a Cash App cash card and connect it to PayPal.