
To send money on PayPal to anyone, you'll need to have a PayPal account and a payment method linked to it. This can be a credit card, debit card, or bank account.
First, make sure the recipient also has a PayPal account. If they don't, you can send them a request to sign up for one.
You can send money to anyone with an email address or mobile phone number, as long as they have a PayPal account associated with that contact information.
Sending Money on PayPal
To send money on PayPal, you'll need to open the PayPal app on your phone or tablet. The app is usually found on one of your home screens or in the app drawer.
To log in, simply enter your password or use a biometric like Touch ID. If you're using a computer, visit the PayPal website at https://www.paypal.com and click Log In near the top-right corner.
Once you're logged in, tap the Send button on the app or click the Send & Request tab on the website. This will allow you to select a payment option, which determines how the payment is processed and any fees that may apply.
You can send money to a contact by selecting their email address or phone number from your list of contacts. If the person you're sending money to isn't in your contacts, you can enter their email address or mobile phone number into the field at the top of the screen.
To enter the payment amount, use the on-screen keypad to type the amount. If the currency is incorrect, tap the drop-down menu to select an alternative. On the website, the currency should already be selected from the drop-down menu.
Before sending the payment, review the details to ensure everything is correct. On the app, tap the blue Next button, and on the website, click Continue. This will take you to a review screen where you can confirm the payment details.
Finally, click Send now on the app or Send Payments Now on the website to complete the transaction.
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Choosing a Transfer Method
You can transfer money to PayPal using your debit or credit card, which is instant. This is a great option if you need to send money quickly.
If you prefer to transfer money from your bank account, it can take 3-5 business days to process. This is because the money is moved from your bank account and processed through the Federal Reserve's ACH before it can be released.
To transfer money from your bank account, you can link it to PayPal via the PayPal app or website. This allows you to make quick and easy transfers without needing to credit money to your PayPal account separately for each transaction.
You can also use a PayPal cash debit card to add cash to your PayPal balance at participating stores. This is a convenient option if you don't have a debit or credit card.
Here's a quick rundown of transfer times:
Using the App on Mobile

You can easily send money using the PayPal app on your phone or tablet. It's usually a blue icon with a white "P" that you'll find on one of your home screens or in the app drawer.
To get started, open the PayPal app on your phone or tablet. If you've signed in before, you'll be prompted to enter your password or use a biometric like Touch ID to log back in.
The Send button is a blue icon containing some cash and an arrow at the bottom-left corner of PayPal. Tap it to begin the process.
You'll need to import your contacts to easily send money to your iPhone or Android contacts. Tap Access Contacts and then follow the on-screen instructions to grant permission.
To select a contact, scroll down and choose their email address or phone number if they're already in your contacts. If not, enter their email address or mobile phone number into the field at the top of the screen.
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You can enter the payment amount using the on-screen keypad. If the currency is incorrect, tap the drop-down menu to select an alternative.
The payment type options are Friends and Family or Goods and Services. Choose the one that applies to your transaction.
You can review your payment details before sending the money. If you'd like to attach a message, tap Add a note below the amount.
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Choose Funding Source
You can fund your transfer using any current PayPal balance, your linked bank account, or payment cards.
To choose a funding source, PayPal will ask you how you want to fund your transfer. Your options include any current PayPal balance, your linked bank account, or payment cards. PayPal displays any sending money fees you will pay for either funding option.
If you're using a debit or credit card to fund your transfer, payments are usually processed within minutes. This is because payments from a debit or credit card are sent to your PayPal balance immediately.
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To link your bank account to PayPal, you can do this via the PayPal website or the PayPal app. You can link your bank account instantly by entering your online banking login details, or you can enter your bank details manually and click 'Agree and Link'.
Here are the funding options you can choose from:
to a Friend
Sending money to a friend on PayPal is a breeze. You can send money directly to their phone number or email address, and they'll receive the funds without any transaction fees.
To do this, simply select the "Sending to a friend" option. This option helps your friend avoid transaction fees, which is a big plus.
You'll need to choose the currency and destination country to calculate your fees and the exchange rate. This way, you'll know exactly how much money your friend will receive.
If you're using your PayPal balance or a linked bank account to fund the transfer, you won't pay any fees. But if you're using a credit card, debit card, or PayPal Credit, you'll incur a 2.9% funding fee.
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Here's a quick rundown of the funding fees for domestic PayPal transfers:
Keep in mind that sending money overseas will incur a transaction fee, a funding fee, and a currency conversion fee. The recipient won't pay any fees, but you'll need to pay these fees on top of the send amount.
International Transfers
To send money internationally on PayPal, you'll need a PayPal account. In most cases, the recipient will also need to create a PayPal account to receive their funds and transfer to a bank account.
PayPal offers a couple of ways to send money overseas using your PayPal account.
You can transfer funds directly to a bank account in another country.
Transfer Process
To transfer money from your bank account to PayPal, you'll need to log in to your PayPal account and go to your 'Wallet'. This is where you can initiate the transfer process.
Transferring money from your bank account to PayPal can take 3-5 business days, so be patient. The money will be moved from your bank account and processed through the Federal Reserve's ACH before it can be released.
You can also transfer money to your PayPal account using your debit or credit card, which is instant. This option is available when you click 'Transfer Money' and then 'Add money from your bank or debit card'.
To send money via the PayPal website, follow these steps:
- Go to ‘Send and Request’
- Enter the recipient’s information: Name, @username, email address or mobile phone number, and click ‘Next’
- Enter the amount you’d like to transfer, choose the currency, add an optional note if you wish, and tap ‘Continue’
- If available, choose the payment type
- Choose how you want to pay and click ‘Next’
- Review the information and click ‘Send Payment Now’ when you’re happy
If you're unable to transfer money from your bank account to PayPal, it might be due to one of the following reasons:
- You’re asking to transfer more than your maximum limit allows
- You’re asking to transfer less than the minimum amount required
- There may be a limitation on your account, which will be visible in the PayPal Resolution Center
- Your bank account or card may not support instant transfers to PayPal
- The information you entered when linking your bank account doesn’t match what your bank has on file
Transfer Options
You can transfer money to PayPal using a variety of methods.
Transferring money from your bank account to PayPal is easy. You can do this through the PayPal website or mobile app.
You can also transfer money to PayPal using your debit or credit card. These payments are instant. You can link your bank account to PayPal via the PayPal app to make transfers.
There are two ways to withdraw money from your PayPal account: instant transfer to your connected debit card or bank account, and standard transfer to your bank account.
Here are some key transfer options:
Transfers directly from your linked bank account can take 3-5 business days to process. This is because the money is moved from your bank account and processed through the Federal Reserve’s ACH before it can be released.
Security and Fees
Sending money on PayPal is free, but several factors determine if there are any fees involved.
You might only pay a funding fee when sending money to others within the United States. Each international transaction, on the other hand, has a transaction fee and may also have a funding fee and a currency conversion fee.
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Is Safe
You can send money with PayPal as long as you're sending it to people and email addresses you know and trust. This is a crucial step in protecting your privacy.
PayPal also offers buyer protection benefits if you're making a purchase. This means you can dispute the transaction and potentially get a refund if something goes wrong.
If someone hacks into your PayPal account, PayPal can reimburse the stolen funds. This is a big deal, as it can help you recover your money if you're a victim of online theft.
To get these benefits, make sure to choose the "Paying for an item or service" payment setting when making a purchase. This will trigger the protection benefits and give you peace of mind.
Fees
Fees can be a bit of a surprise when using PayPal, but understanding them can help you avoid unexpected charges.
PayPal might charge three different fees when sending money: a funding fee, a transaction fee, and a currency conversion fee.
If you're sending money within the United States, you might only pay a funding fee. This fee is specific to domestic transactions.
International transactions, on the other hand, come with a transaction fee and may also have a funding fee and a currency conversion fee.
Here's a breakdown of the fees you might encounter:
Frequently Asked Questions
Can you pay someone on PayPal with just their email address?
Yes, you can send money to anyone with an email address using PayPal, without sharing your financial details. Simply enter their email, choose an amount, and send securely.
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