Paypal to Zelle: How To Transfer Money (Guide)

paypal to zelle

PayPal and Zelle are some of the most used money transfer services. They are backed by huge companies and banks and are moving billions, if not trillions of dollars each year. 

However, are PayPal and Zelle compatible, and can you send money from PayPal to Zelle and vice versa? 

There’s no way to transfer money between PayPal and Zelle as the two platforms don’t support each other. However, you can send money to a connected bank account and then forward it. 

Keep on reading to find out exactly how to transfer the money between Zelle and PayPal and what steps are involved.

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How To Transfer Money From Paypal to Zelle (In 2 Steps)

To transfer money between the two financial services, you’ll need accounts for both of them and a connected bank account. Without meeting these requirements, you won’t be able to move your funds from Zelle to PayPal and PayPal to Zelle. 

However, Zelle isn’t used for keeping money in its balance. It’s basically a money transfer service and a middleman that’s used to make the transfers. It isn’t a bank or a checking account. 

That means that you can’t move your cash to Zelle per se. You can connect your bank account to it to use it to transfer money onwards, be it to your other accounts or to friends and family, etc.

Here’s how to do it properly. 

1. Transfer money from PayPal to your bank account

The first step is to add your bank account to PayPal if you don’t already have a bank account linked. Connecting a bank account or debit card is easy and involves the following steps:

  1. Go to ‘Money’
  2. Click ‘Link a bank’ (In the app, tap Menu then ‘Banks and Cards’)
  3. Select your bank from the list or search for it
  4. Enter your online banking details to instantly link your bank account with your PayPal account
  5. Alternatively, click “Link your bank another way” at the bottom of the page. 
  6. Enter your bank details and click “Agree and Link” 

By connecting and verifying the bank account manually, you’re effectively agreeing to let PayPal send two tiny deposits of less than $1.00 to your bank account. They are going to be used for verification.

READ ALSO: Zelle to Cash App Guide (How to Transfer Money)

It can take up to 3 business days for the deposits to reach your bank account. When you notice them, go to your Wallet and enter the exact amounts to confirm you are the rightful owner of the bank account.

Once you have a bank account linked to PayPal, simply do the following to transfer money:

  1. Log into your PayPal account 
  2. Click “Transfer Money”
  3. Click “Transfer to your bank”
  4. Enter the amount you want to transfer
  5. Doublecheck the info 
  6. Click “Transfer Now” 

2. Connect your bank account to Zelle 

connecting bank account

Zelle was conceived by almost all the major banks in the US and is now supported by who’s who of the banking sector. That also means that Zelle is integrated into almost all banking apps. 

Going into your banking app and finding the Zelle option is the easiest way of connecting Zelle and your bank account. 

Zelle is already in more than a thousand banking apps. Simply follow the steps in your banking app to enlist if you haven’t already. 

READ NEXT: The 5 Most Common Zelle Scams (And How To Stay Safe)

An alternative way of connecting the two is from the Zelle app. Simply sign up for Zelle and link the two by entering your online banking info (username and password) into Zelle. It couldn’t be easier. 

Now that everything is connected, you can use funds in your PayPal balance to transfer them over to your bank account. Lastly, you can use Zelle to transfer money to wherever you need to for free. 

However, you should confirm with your bank or credit union that there are no extra fees.

Can You Use Zelle Without a Smartphone?

Zelle is best used via the Zelle app or with a supported banking app. However, if your bank or credit union supports Zelle, you can use their online banking (as in a web browser) to transfer money without a smartphone.

Finally, if the bank doesn’t support Zelle (most traditional banks do), you will have to use the Zelle app. 

READ ALSO: Cash App Vs. Zelle (A Quick Guide With Table)

Can You Cancel a Zelle Transfer?

Zelle transactions are almost instantaneous. That means that it isn’t possible to cancel them. The only time when you can cancel a Zelle payment is when the recipient doesn’t yet have a Zelle account and the money is sitting in limbo. 

In that case, go to your activity page in the Zelle app, or in your mobile banking app and find and select the payment you want to cancel. Lastly, select “Cancel This Payment.”

Can You Cancel a PayPal Transfer?

Similar to Zelle, you can only cancel a PayPal money transfer or payment if it hasn’t been claimed yet or is pending. If the transfer is completed, there’s no way to cancel it.

To cancel a pending or unclaimed payment and get the money back:

  1. Open PayPal
  2. Go to the Summary page
  3. Find the pending payment
  4. Click “Cancel” under the pending payment
  5. Click “Cancel Payment “

If a payment is pending for 30 days, it will be canceled automatically and the money will be refunded:

  • If you sent the payment using a debit or credit card, the money will be refunded to the card you used. It can take up to 30 days  
  • If you sent your payment using a bank account, it will be reimbursed to your PayPal balance. Allow 3-4 business days 

How much money can I send with PayPal?

PayPal accounts that aren’t verified can transmit up to $500 a month. If you have verified your PayPal account, there’s no limit on the total amount of money you can transfer from your balance. You may be limited to $10,000 in a single transaction though.

Can you send money from PayPal to Venmo?

PayPal isn’t supported by many digital banking apps. For that reason, you can’t send money from PayPal to Venmo or from Venmo to PayPal. 

The amazing thing is that they’re both owned by PayPal, however, the company didn’t bother to connect the two payment apps for some reason. There are workarounds though that you can find in our article.


PayPal and Zelle don’t support each other so there’s no way to transfer money between the two popular services. However, if you link your bank account to both platforms, you have a workaround. 

Digital Banking Apps Worth to Know About
Current: The Future of Banking
For Free Thinkers and Entrepreneurs

As a mobile banking app affiliate, I earn from qualifying purchases.

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Current: The Future of Banking

As a Current mobile banking app affiliate, I earn from qualifying purchases.
topmobilebanks logo

Current: The Future of Banking

As a Current mobile banking app affiliate, I earn from qualifying purchases.