5 Ways to Put Money on PayPal Card in 2023

how to put money on paypal card

PayPal’s Cash Card is a great way to spend your PayPal balance. You can use it, not only in the US but worldwide. 

It’s easy to sign up, there are no credit checks or monthly fees and no minimum balance. But some users are wondering about the ways of adding money to their PayPal cards. 

Here are the ways to put money on your PayPal card:

  1. Direct Debit
  2. Cash Deposit
  3. Bank Transfer
  4. Check Deposit
  5. Debit Card Transfer

1. Direct Deposit

We’ve all heard of direct deposits. They basically allow you to automatically get your paycheck, government payment, or benefit transferred into your PayPal balance. 

If you’ve signed up for a PayPal Cash Card, you’re automatically registered for direct deposit. 

Additionally, if you already hold a PayPal Cash Card, you also have routing and account numbers.

However, if you need to manually register for direct deposit: 

  1. Click on “Settings” 
  2. Click “Set up or view Direct Deposit”
  3. You’ll get a PayPal account and routing number 
  4. Deliver this information to your payer, employer, or government agency

To see your direct deposit information on the PayPal website after registration:  

  1. Click on “Settings” 
  2. Click “Account” 
  3. Click ”Get your Direct Deposit info” 
  4. Click “More info on payroll” 
  5. Click ”Print your form” 


  1. Open your “Profile”
  2. Click “Set up or view Direct Deposit”
  3. The routing and account number should be shown if direct deposit is available on your account
  4. You can print the information by clicking “Print Direct Deposit form”

To find the direct deposit details in the PayPal app:  

  1. Tap on “Settings” 
  2. Tap “Direct Deposit”

For direct debits to work, your payer has to be located in the US. Also, the transaction will fail if it stems outside the United States.

READ ALSO: Wise vs PayPal (The 7 Seven Important Differences)

Can You Cancel Direct Deposits?

You can’t cancel direct deposit through PayPal. To do this, you’ll need to inform your payer of the change. I.e., that you want to cancel it. 

It’s important to note that it can take up to two pay cycles for it to cease. That’s after your payer has already received and processed your notice.

2. Cash Deposit to PayPal Card

cash deposit to paypal card

Cash deposits are an easy and somewhat convenient way to load your PayPal card. There are currently more than 85,000 retail locations around the US that you can use to load cash to your PayPal account:

These include: 

  • Walmart
  • Dollar Tree,
  • Dollar General, 
  • 7-Eleven,
  • Family Dollar, 
  • Rite Aid, 
  • CVS,
  • Walgreens 

Although PayPal doesn’t charge a fee for cash deposits at retail locations, the retailers usually do charge a fee. Fees vary greatly but are usually around $3.95. 

To find out what’s the fee, you can ask the cashier. Simply go to one of the participating merchants and give your cash to the clerk or cashier. They will swipe your card to load funds to your PayPal account and thus the card.

You will receive: 

  • Push notification (if enabled) 
  • Email confirmation

Let’s mention that there are some limits included in cash deposits. For instance:

  • The daily cash load limit is $1,500
  • The maximum monthly limit for loading cash is $5,000

READ NEXT: How to Send Money from PayPal to Cash App

3. Bank Transfer to PayPal Card

Bank transfers are the standard way of transferring money to a PayPal card. To transfer money, you’ll first have to add a bank account to PayPal.

You can do this from the PayPal app:

  1. Tap “Wallet”
  2. Tap “+” beside “Banks and cards”
  3. Tap “Banks”​
  4. Log in to your online banking and link your account instantly 
  5. Alternatively, add your bank manually

To instantly link a bank account to your PayPal account via the website:

  1. Click “Wallet” at the top of the page
  2. Click “Link a bank account”
  3. Choose your bank
  4. Alternatively, click “Don’t see your bank?” 
  5. You may have the option to link your bank instantly using your online banking login credentials
  6. Alternatively, if the instant option isn’t available, enter your bank account info manually and click “Agree and Link”

Within three business days, you’ll have to revisit your bank statement to discover two small deposits (up to $1) that were transmitted. You’ll have to enter them in the PayPal app or website to confirm your bank account. 

However, sometimes that isn’t required and your bank account will be automatically verified and ready to use.

How to Transfer Money to PayPal

how to transfer money to paypal

Now that you’ve linked a bank account to PayPal, you can finally send money. There are two handy ways of doing this – PayPal app or website. 

To add money from your PayPal app:

  1. Tap “Dashboard”
  2. ​Tap your “PayPal balance”
  3. Tap “Add Money”
  4. Select your way of adding money

To add money from your laptop or computer:

  1. Click “Wallet”
  2. Click “Transfer Money”
  3. Click “Add money to your balance”
  4. Select your bank 
  5. Enter the amount you want to transfer 
  6. Click “Add”

The transfer will usually take 3-5 business days. The transfers are free of charge and can be done at any time of day or night. You’ll also get an email each time a transfer is finished and a mobile notification if you have those enabled (you should).  

Some users might not be able to add money. There are basically only two reasons for that:

  • They don’t have a PayPal Balance account  
  • There’s a limitation placed on their account

READ NEXT: Cash App vs PayPal: Which Is Better For Your Payments?

Can You Cancel a Money Transfer From Bank to Paypal Account?

You can’t cancel a transfer after you’ve initialized and authorized it. There is an easy solution though. You can transfer the money back to your bank account once the funds are in your PayPal balance. 

To do this:

  1. Go to “Wallet”
  2. Click on  “Transfer Money“
  3. Click on “Transfer it to your bank”

Can You Remove a Bank Account From Paypal Account?

At some point in time, you might change a bank or even sign up for a digital bank. In that case, you’ll probably want to remove the old bank account from PayPal. You can do this via the website or in the app. 

To remove a bank account on the PayPal website:

  1. Click “Wallet” at the top of the page
  2. Click on the bank you’d like to remove
  3. Click “Remove bank”

It’s even easier to do it in the app:

  1. Tap “Wallet”
  2. Tap on the bank you’d like to remove
  3. Tap “Remove”

Can You Use a Bank Account on Two Different Paypal Accounts?

Sometimes, you want to have the same bank account linked to two PayPal accounts. Is that even possible, though? 

You can generally link a bank account to one account at a time. However, they might let you add it to a second PayPal account if you get approved. 

There’s no way of telling whether you’re approved or not. You’ll have to try and link the bank account to the second PayPal account to find that out.

4. Check Deposit to PayPal Card

check deposit to paypal card

Another way of adding money to your PayPal card is to cash your check directly in the app on your smartphone. 

The feature is simply called “Cash a Check” and allows you to take a snapshot of the check you want to cash. After you do that, the check goes to PayPal for review. 

After that, there are two ways of getting the money into your account:

  • Paying a fee to get the money deposited within minutes 
  • Getting it in 10 days without a fee, if the check isn’t returned unpaid

To cash a check in your PayPal app: 

  1. Tap on “Wallet”
  2. Tap “Cash a check”
  3. Allow access to your location and camera
  4. Enter the check amount 
  5. Take a photo of the front and back of the check 
  6. Tap “Next”
  7. Select how quickly you want to have access to your money
  8. Tap “Confirm” 
  9. If your check is authorized, you should write “VOID” across the front of your check 
  10. Submit a photo showing the voided check 
  11. Once completed, you’ll see a confirmation page displaying the amount and when the funds will be available 

It generally takes only a few seconds to review a check. In some cases, it can take 3-5 minutes and on rare occasions, up to an hour.

It’s important not to write “VOID” on your check until the app asks you to do it.

5. Debit Card Transfer to PayPal Card

Besides using a bank account to add money to a PayPal card, you can use your bank’s debit card as well. The process of doing it is very similar to adding a bank account to PayPal. 

To link a debit or credit card to your PayPal account:

  1. Click “Wallet” 
  2. Click “Link a debit or credit card” 
  3. Follow the prompts to link your card

You can also do this on your mobile phone:

  1. Tap on “Wallet”
  2. Tap “+” beside “Banks and Cards”
  3. Tap “Debit and Credit Cards”
  4. Connect your PayPal account to your bank or link your card manually

If you want to do this manually, type in your debit or credit card info and tap “Link Card Manually.”

You have to be aware that sometimes this isn’t a streamlined process and PayPal may ask you to confirm your card. 

If there’s a “confirm credit card” link in the card details section of your the PayPal wallet, that means that you’ll need to confirm your card before being able to use it with PayPal. If there’s no “confirm credit card” link, you can use your card straightaway.


To conclude this somewhat lengthy article, there are many various ways of adding money to PayPal’s Cash Card. Whichever you choose, the process is straightforward, especially after the initial set up for bank account or debit card, or direct deposit, for instance. 

After you link your accounts, it’s usually smooth sailing and you’re off to enjoy using the Cash Card. 

However, if you’re using PayPal for currency conversion, beware of their notorious conversion rate. In case you need to send money internationally on a regular basis, be sure to check out Wise – “The 6x cheaper international account”.

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