How to Use the PayPal Debit Card: The Complete Guide (2024)

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IN THIS ARTICLE

1Apply for a debit card through your PayPal account.

2Add a backup funding method to your account.

3Understand your spending limits.

4Use the card like any other debit card.

5Swipe as a credit card to sign for purchases.

6Use your debit card with or without an PayPal balance.

7Check your balance at the ATM.

8Withdraw funds from an ATM.

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Last Updated: March 12, 2024

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One of the most convenient ways to send or receive money is PayPal. PayPal is a website that facilitates the transfer of money between you and someone else. Simply by signing up for an account, you can add a level of e-commerce to your personal finances or business. In addition to providing its customers with an online option, PayPal also offers a debit card for added convenience. The debit card is easy to use.

Apply for a debit card through your PayPal account.

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Visit https://www.paypal.com to apply for your PayPal Debit Mastercard. It's a simple process, and the website will lead you through the application and approval system. The application will require you to answer several questions, such as your contact information, email address, language preference and type of account you wish to sign up for. The application process is relatively short and takes just a few minutes.

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Add a backup funding method to your account.

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Select a back-up method of funding for your PayPal account. This will link your account to a checking or savings account, which will allow funds from your bank to be used if your PayPal funds are depleted by a purchase.

Understand your spending limits.

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Know the limits of your debit card. When you first receive your card, default limits are automatically set for your card's use. The daily default spending limit is $3,000 USD. The daily ATM limit is $400 USD. It is possible to get these limits raised or reduced by contacting PayPal directly.

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Use the card like any other debit card.

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You can use your PayPal debit card at retail locations that accept MasterCard. Swipe your card and enter your pin to make your purchase. You can use it virtually anywhere: restaurants, gas stations, department stores, hotels and more.

Swipe as a credit card to sign for purchases.

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Utilize the credit option for your debit card where MasterCard is accepted. Simply swipe your card and sign at the time of purchase. If you have enrolled as a Preferred Rewards member, you may be eligible to receive 1 percent cash back for every purchase you make.

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Use your debit card with or without an PayPal balance.

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As long as your back-up method of funding has money available, you don't need to have a balance in your account. For instance, if your PayPal account is empty and you wish to buy a tank of gas for $30, you can still use your debit card as long as the bank account that is linked to your PayPal account has at least $30 available for your use.

Check your balance at the ATM.

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Go to any ATM and select the checking option. Choose balance inquiry to see how much you have available in your PayPal account.

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Withdraw funds from an ATM.

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Community Q&A

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Question
Can I use a Comdata card to send money to Paypal?
Community Answer
Yes, but you have to register your card at comdata.com before you can use it on Paypal. When you go to register your card on there, it will ask you for a 5 digit code which is your employee ID. Its in the upper left corner of your pay stub. When you add the card to your Paypal account, be sure to list it as Regions Bank.
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Question
How do I find out the balance for a particular prepaid PayPal debit MasterCard using my Android phone ?
Community Answer
Download the PayPal Android application, log into your account associated with your PayPal debit card, and look at your PayPal balance. That is the balance for your account and card.
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Can I use a prepaid PayPal debit card right away to purchase something online or to pay a phone bill?
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Yes, you can pay immediately using Guest Checkout.
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About This Article

wikiHow is a “wiki,” similar to Wikipedia, which means that many of our articles are co-written by multiple authors. To create this article, 12 people, some anonymous, worked to edit and improve it over time. This article has been viewed 154,249 times.

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Updated: March 12, 2024

Categories: PayPal

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FAQs

How to use the PayPal debit card? ›

How to Use the PayPal Debit Card

1 Apply for a debit card through your PayPal account.
2 Add a backup funding method to your account.
3 Understand your spending limits.
4 Use the card like any other debit card.
5 Swipe as a credit card to sign for purchases.
6 Use your debit card with or without an PayPal balance.

More items...

Read On ›

How do I withdraw money from my PayPal debit card? ›

To use your PayPal Debit Card at an ATM, simply use the card and the PIN you created when you turned on the card. Don't forget, there's no fee for withdrawing cash from tens of thousands of MoneyPass ATMs worldwide.

Discover More Details ›

Can I use a PayPal debit card anywhere? ›

The PayPal Debit Card¹ lets you spend your PayPal balance anywhere Mastercard is accepted. Plus, earn points redeemable for cash back² and more on your everyday eligible purchases.

What are the restrictions on PayPal debit card? ›

The PayPal Debit Card has a daily spending limit of $3,000 USD, a daily ATM withdrawal limit of $400 USD, and a daily over-the-counter withdrawal limit of $5,000 USD. The card resets at 12:00 a.m. CST.

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Can you use a PayPal debit card at a gas pump? ›

Yes. You may use your PayPal Prepaid Card wherever Debit MasterCard is accepted.

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Can I pay someone on PayPal with a debit card? ›

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

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What are the benefits of a PayPal debit card? ›

With the PayPal Debit Card, you can: Instantly access your money in PayPal. Use your funds in PayPal to make purchases in stores or online anywhere Mastercard® is accepted. Withdraw money from PayPal at ATMs worldwide.

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What ATMs can I use my PayPal debit card at? ›

You may use your PayPal Business Debit Mastercard® to withdraw money at any ATM with a Mastercard®, Maestro®, or Cirrus® acceptance marks.

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Why use PayPal instead of debit card? ›

One thing is clear though: paying with credit cards or PayPal is safer than paying with debit cards when you shop online. You'll get additional security features and protections either way you choose to pay, and you'll also have a better chance to earn rewards or cash back on everything you buy.

Why can't I use my PayPal debit card? ›

Your card is not activated – You can activate your new card at any time. Your card details are outdated – Make sure the card isn't expired or closed, and the billing address on your PayPal account matches what you're entering. Don't worry; a new card will be coming in the mail if it's expired or closed.

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How much money can you put on a PayPal debit card? ›

You can typically add any cash amount from $20.00 USD to $500.00 USD per barcode. You can use up to 3 barcodes or add up to $500.00 USD per day. The PayPal cash limit is $500.00 USD per day and a total of $4,000.00 USD per month.

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What is not allowed on PayPal? ›

Don't sell items listed as prohibited in PayPal's Acceptable Use Policy, such as drugs, illegal items, firearms, or obscene materials. In addition, PayPal requires pre-approval to accept payment for high-risk transactions such as tickets, non-profit donations, and high-value items like jewels.

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Is a PayPal debit card good? ›

If you're a regular PayPal user, you get some good use out of the PayPal debit card. Just be careful not to use it for transactions where fees can be charged, such as using a non-MoneyPass ATM. For international spending and cash withdrawals, an alternative like the Wise debit card could be a much better option.

Get More Info Here ›

Can I use PayPal without a bank account? ›

Do You Need a Bank Account for PayPal? No, you don't need a bank account to sign up for PayPal or to receive payments. You can, however, connect your PayPal account to a bank account, a debit card or a credit card account for sending and receiving payments and transferring funds.

How to Use the PayPal Debit Card: The Complete Guide (2024)

Apply for a debit card through your PayPal account.

Add a backup funding method to your account.

Understand your spending limits.

Use the card like any other debit card.

Swipe as a credit card to sign for purchases.

Use your debit card with or without an PayPal balance.

Check your balance at the ATM.

Withdraw funds from an ATM.

Community Q&A

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About This Article

Is this article up to date?

FAQs

How to use the PayPal debit card? ›

How much money can you put on a PayPal debit card? ›