How To Add Debit Card To Paypal In 2020?

If you’re concerned about your online transaction security, using a credit or debit card information on a vendor website can be pretty dangerous. Well, if you use PayPal, you can bypass the security issues of getting hacked or scammed if you use your card balance through PayPal. PayPal is the biggest online transaction solution, with over 320 million active users in its current system. 

On top of that, PayPal is the most secure online payment system with a very clean track record as well! If you have a PayPal account and want to get secure with your debit card using PayPal, you must know how to add debit card to PayPal. However, sometimes, it might seem a complicated process to add a card to your PayPal account. Stick to the article if you’re struggling while adding your debit card to your account or verifying it properly. 

Can I add debit card to PayPal?

It’s not mandatory to add a debit card to PayPal if you’re just running the account to send or receive transactions. However, it’s important to add the card to your account if you’re planning to verify yourself as a legit PayPal user. It will add more credibility to your account, especially if you’re a seller who uses PayPal to do business. 


You don’t necessarily have to add only a credit card to your account; a debit card is just fine. You can aim to fund your PayPal account from your bank account using the debit card. It will help you keep the card information secret when you’re shopping online using the PayPal account information instead of putting the card info. 

How to add debit card to PayPal?

Adding a debit card to your PayPal account can give you some big advantages. Here is the process of how to add debit card to PayPal account, including the process of confirming the linked card: 

Add the card 

To add a debit card to your PayPal account, go to the PayPal website, log in to your account. Navigate to the wallet option on top of the page. You will see an option to “Link a credit or debit card”, click on the button and select the Debit card option to start adding the card. PayPal will give you a form-like page where you have to put in all the information about your card. Be sure to double-check every information, including the expiration date, billing address, card number, and CVV. Once you’re sure that every information is correct, you have to click the “Link Card” button to complete linking the debit card to your PayPal account.

Confirm the debit card

Linking the debit card isn’t enough to start transactions; you must confirm the debit card’s integration to your PayPal account. To confirm your linked debit card on your PayPal account, login if you’re not already logged into your account. Navigate to the same “Wallet” menu, and you will see the card you’ve added under the menu, click on the “Confirm card” option. 

PayPal will ask you to review all the information you’ve provided, recheck them all, and be sure there are no errors. Click on the “Ok” button and PayPal will charge your debit card with a temporary and refundable $1.95 bill to your card. After that, PayPal will ask you to put in the 4-digit pin in the next input field from the statement you received from the card company. If everything goes well, PayPal will confirm your card to your account and allow you to start transactions.

How can I remove a debit card from my PayPal account?

If you want to add the debit card on another account or have to replace it with another, you may need to remove the existing one. Here is the process you need to know if you have to remove your existing debit or credit card from your PayPal account:

Remove the account

Log in to your PayPal account if you’re not logged in already and go to the Wallet menu from your account. Navigate to the card you’re using currently, whether it’s a debit or a credit card, and click on it. You will see an option to remove the card; Click on the “Remove Card” button to remove the card from your PayPal account. However, there are some precautionary things that you must know if you have a situation with your card or account. 

If you have pending PayPal transactions related to the card you’re using, the card may decline to remove. In that case, wait for a few days until the transaction is clear, and then you can easily remove the card. If you have a negative balance in your account, you have to bring the balance to zero or more to be able to remove it. 

Frequently asked questions

Here are the most frequently asked questions about adding and linking debit cards to PayPal account that you might find useful: 

Should I link my credit or debit card to PayPal?

If you’re planning to use your PayPal account for future transactions more securely, you should add your credit or debit card to your account. You can fund your account or online purchases with it. 

Can I link my debit card to more than one PayPal account?

You cannot use a card to multiple accounts simultaneously. If you want to add a debit card to a PayPal account linked to another account, you have to remove it from the first account. 

Do I have to confirm my debit or credit card before I can use it with PayPal?

Yes, you have to confirm or verify your debit or credit card after adding it to your PayPal account. PayPal will use a small transaction and a 4-digit security key to confirm the card. 

Final thought

Adding and removing a debit or credit card from your PayPal account can be super easy and helpful for transactions. Knowing how to add debit card to PayPal will help you add the card in a few minutes or so. However, removing it can have some steps and precautions for you to know about. 

If it’s the only card you have linked to your PayPal account and you have a bank account connected to it, things will be different. You cannot make instant bank payments anymore; you will get payments with eChecks that can take about 3 to 4 working days to complete the process. Unless you’re not using the account anymore, don’t remove the card without having another into the place.