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If you don’t own a credit or debit card at this time, you’ve been missing out too many facilities around. Having a card can help you catch on numerous opportunities and some conveniences online. Now, PayPal is the biggest online money transferring system, with over 300 million customers in service. You can use PayPal as your online banking solution perfectly, especially for transferring and receiving. 

How to use PayPal without a card

You must indeed have a credit or debit card for using PayPal with its full potential. However, if you don’t have a card or not planning on linking your card with PayPal, you can do so. PayPal does everything online, and it offers some of the services available for you if you don’t link your card with it. In this article, I’ll show you how to use PayPal without a card and what services you can still use that way. 

How does PayPal work?

With hundreds of millions of customers, PayPal has been the online finance giant for over a decade now. You can use PayPal to make any sort of transactions from paying online, getting payments, or even making charity. It allows you to add your existing debit or credit card to link with PayPal and use that as your regular account. This way, you can stay out of credit fraud and use PayPal as your online payment solution. Linking your credit or debit card and enabling it as your default payment card is the best way to do it. You can directly link your bank account to PayPal also, but it’s not recommended to do so for several reasons. However, you can skip linking any card or account and still use PayPal too.

How to use PayPal without a card?

Using your PayPal account without linking a card may limit the functionalities a little, but doing it pretty easy. You have to know how to use PayPal without a card and know what you can still do without a card, such as: 

Request for payments from others

If you don’t have a card to connect with your PayPal account in the first place, you can still ask others for payment. You can make requests to pay you through the PayPal account, and you don’t need a card to receive that. However, as you don’t have a card to receive the money, you have to connect your bank account though! To request, you have to go to the Transfers page, and click on the “Request Money” tab after logging into PayPal. Enter the email address of the recipient, then enter the amount and complete the request. 


Sending money to others

If you have received payments through your PayPal account and have a balance on it, you can send it too. And you don’t need to have a card connected to the PayPal account to do that. For that, you have to again navigate to the Transfers page and click on the “Send & Request” button. You’ll have three options, choose the one you need, and you’ll get the option of entering credentials. Put in the phone number or the email address of the recipient you’re sending the money. Under that, you’ll find the “Send Money” button, click on that, and the money will be sent!

Creating invoices

You can also create invoices using PayPal if you don’t have a card connected to the account. PayPal will generate the invoice for you automatically; all you have to do is, put in the information. For that, login and click on the “Tools” button on the toolbar, located on the top. Select the “Invoicing” Button from where you can create and create and manage your invoices. Click on the “Create Invoice” button, and put in all the information, put in the email address first. After putting in all the details, including your logo, you can generate and send the invoice. 

Creating Money Pool

If you’re fundraising with your PayPal account, you can do that without having any card connected as well. Go to the “Your pools” option and click on get started, Give it a name you like, give it all the credentials. Put in the amount you’re rising, descriptions, and click on Publish, and you’ll get a sharing link. Share the link to friends to chip in, and the amount will come into the pool. You can then transfer the amount to your account.

Donating money to charity

If you’re donating from your PayPal account, you can do that without having a card connected to your account. You can use the charity option of PayPal to make donations under the 501 (a) (c) as a public charity. PayPal will transfer the charity and give you confirmation on that.


Here are the most frequently asked questions about PayPal accounts that you should know about:

Do you need a bank account for PayPal?

No, you don’t necessarily have to have a bank account to use your PayPal account.

Does PayPal have a monthly fee?

No, PayPal charges you on a transaction basis; they don’t have any monthly fee system.

Can I get paid on PayPal without a bank account?

Yes, you can receive payments directly to your PayPal account without needing a bank account.

Are there hidden fees with PayPal?

No, PayPal only charges you on transactions with regular fees and doesn’t have any other fees.

How do I get a PayPal card?

You can apply for a PayPal credit or debit card if you have the cash plus account connected.

Final words

Using PayPal comes with some impressive features and facilities that can make your online transactions super smooth. However, it’s okay not to have a card to link with the PayPal account or not willing to link it. If you were worried about not being able to do anything without a card linked to your PayPal account, now you know how to use PayPal without a card. 

However, to get the PayPal services with full potential, you should link your credit or debit card with your PayPal account. Linking your card won’t put it in risk as PayPal has a good reputation for security measurement and keeping its customer’s data safe. 

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