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If you do online transactions to buy, sell, or get payments, a PayPal account is the first thing for you to consider. PayPal can help you do business with payment security with buyer and seller protection schemes. When it comes to opening a PayPal account for the first time, it makes you a little skeptical about your security at the hands of PayPal itself. If you put your bank information on an input page of a website, it’s okay to feel that way. 

If your account ever gets compromised, there is a high chance of ending up with an empty bank account! So, the obvious question becomes, can you use Paypal without a bank account? If yes, then how to do that? Stick to the article to know how you can open a PayPal account and use it without giving up your bank account information. 

Can you use PayPal without a bank account?

With a very good track record of security and ease of use, PayPal has the acceptance for most of the marketplaces and eCommerce sites. You can pay securely on any website for goods or services without sharing your card or bank information.


However, it’s okay to take it slow or not to connect your bank account to the PayPal account. You don’t necessarily have to add a bank account to the PayPal account while opening it. Here, I’ll help you understand how can you use Paypal without a bank account and how to open an account. 

How can I open a PayPal account without a bank account?

Opening a PayPal account without any bank account has an easy process. First, you have to go to the PayPal website and navigate to the top right corner to find the Sing up button. Click on Sign up, and you will get two options for a personal account or business account. If you’re opening it for your personal use, select a personal account by clicking on the “Sign up for a personal account” button. 

You’ll be redirected to a new page where you have to put in your email address and create a new password. Fill up the fields and click on “Continue” to go to the next page to put all your personal information. Once every information is correct in place, check the terms and condition box and click on “Agree and create an account.”

What can you do?

After confirming your email address, you can start using PayPal without linking any bank account to the PayPal account. You can easily request for payment, accept payments with the new account. If you want to withdraw the money or pay for anything online or send money to someone, you have to add a payment method. You can add a credit or debit card instead of a bank account to do the transactions on a full scale. 

Adding a credit card

Although PayPal itself is secure enough, that doesn’t mean that you won’t make any mistake and get your account compromised. If you’re concerned about your security, my suggestion is not to add your debit card and your bank account. If you end up getting compromised with your PayPal account, the hacker can drain your bank account! So, the safest way to add a payment method on PayPal is to add a credit card to it. It will get you protection against fraudulent and have your back if you get compromised according to the Federal law. 

How to Get Verified on PayPal Without a Bank Account?

You cannot withdraw money from your account for more than $500 until you verify your account, and there are other limits as well. If you are a seller, your buyers aren’t going to trust you as you don’t have a verified account. If you don’t want to keep using PayPal with limited services, there are several ways to get verified. You can also verify your PayPal account without linking your bank account to it. After confirming your mobile number and email address, link your debit card to the account this way: 

Linking debit or credit card

The most common way to verify PayPal is to link your debit card or credit card to your account. To add a credit card on your account, log in to your PayPal account, and go to the Wallet option on the top functions in your account. You will see two options for adding a debit card or a credit card; select the credit card option. Put all the card information, including the card number, its billing address, expiration date, CVV, and other information PayPal asks for. After adding the card, be sure to confirm the card to complete the linking with your account. You can also verify your PayPal account by applying for PayPal credit if you are eligible for the program.

How to add money to PayPal without a bank account?

Although opening a PayPal account and start using it is pretty easy. If you have to add money to your account on Paypal, there are several ways to do it without using a bank account. First, you can send the money into your account from a friend or family member’s account. 

Using the PayPal cash card service to add money to PayPal account from local branches can be anther option. Give your PayPal cash card to the retailer agent and the cash you want to add. The agent or the clerk will swipe the card and add the cash into your account; you’ll get a confirmation message in your email or phone. However, there is a charge with it of up to $4.95, which you have to pay if you use the PayPal cash card.

Final thought

PayPal is the biggest online payment solution that has more than 320 million active users around the world. PayPal has to keep sharp control over its users to keep the platform safe and secure. So, they need you to verify your account by providing a payment gateway and personal information. However, as I mentioned earlier, it’s the safest option to add a credit card on PayPal instead of adding a debit card or bank account. 

Go to the Wallet option and confirm your card to verify yourself. PayPal will charge the card with a small refundable amount ($1.95) to ensure it is yours. Insert the 4-digit pin to confirm it. That’s how can you use Paypal without a bank account if you’re okay with linking a debit or credit card. 

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