How To Make A PayPal Account Without A Credit Card?

How To Make A PayPal Account Without A Credit Card

In the digital era, a PayPal account helps a lot when it comes to online transactions. It is indeed a reliable platform for fast and secure transactions. But how can people without a credit or debit card open an account in PayPal?

It is possible to make a PayPal account by simply signing up either on the website or via the app. Though PayPal would impose some limitations if one doesn’t link up any credit or debit card; he can still open a PayPal account by providing the basic information like email Id, name, location, etc. 

Let me explain the different aspects that you must know to open a PayPal account without a credit card:

Make Your PayPal Account Without A Credit Card In Just 3 Steps:

Before you learn the additional information, let me tell you the 3 simple steps that you need to follow to open an account on PayPal even if you don’t have a credit card or debit card:

Step 1: Start The Sign-Up Process:

You can either download the PayPal app or use the official website to sign up. On the homepage of PayPal, you will find the option of signing up. Click on it. Select your preferred language and country of operation. 

Now you can see that there are options for three account types. Each account is for different purposes. 

  • Personal Account: The personal account is for online shopping via the PayPal app. You can send and receive money in this account type. For any personal purposes, you can use this account.
  • Premier Account: The premier account is for those who intend to purchase as well as sell items or services via the PayPal account. The withdrawal limit in this account is unlimited. Casual sellers should go for this option. 
  • Merchant Account: This account is for business owners who have a company or organization name. This is a more professional and formal account used for business purposes. 

Select the account you want to have and proceed to the next step. 

Step 2: Input The Basic Information:

The next step is to fill out the information it asks for. You would need to input some basic information like your name, location, phone number, email Id, and so on. Fill out the information accurately before going further. 

Step 3: Link Your Bank Account:

You can enter your PayPal account. But to complete the procedure and start sending and receiving money, you have to do something more. 

Go to your profile that comes under ‘My Account’. Now, go to the option for ‘edit or add bank account’. Click the option ‘add bank’. You would get options for whether or not you want the transactions to be done directly from your bank account. 

Now give the details about your bank account like account number, routing number, branch name, etc. Press ‘continue’.

To confirm your bank account, PayPal makes two deposits of small amounts like 25 cents. You can check your account online to see if the deposit has been made or not. If yes, then you are all set to use your PayPal account. 

The fun fact is you don’t even need to link your bank account to the PayPal account to make transactions if you have a balance in your PayPal wallet. If someone sends money to you via PayPal, it would be deposited in the PayPal wallet. Now you can use this amount for other purposes. 

Coming back to the point, it is evident that if you link your bank account to your PayPal account, you no longer need to link your credit card to your PayPal account. You can directly do transactions from your bank account via PayPal. Otherwise, you can use your Paypal wallet for transactions, though the features would be limited. 

How To Withdraw Funds Using PayPal Without A Credit Card? 

You can withdraw funds from your PayPal account without linking your credit card. Suppose, you want to transfer your wallet fund to your bank account. Then, you need to follow some simple steps given below:

  • You have to log in to your PayPal account via the website or the app;
  • Now,  go to your PayPal wallet; 
  • Here you can see the option ‘ transfer funds’,
  • Once you click the option you can see various transferring options. Select ‘transfer fund to bank account’;
  • Now input the information like bank account details, contact details, etc.;
  • Type out the amount you want to transfer;
  • Now click ‘submit’ to complete the process;
  • Remember that the time needed to transfer funds would vary depending on the bank location and other conditions. 

You can link your PayPal account to eight different bank accounts. But each account should be linked with a single PayPal account only. 

Is It A Good Idea Not To Link Your Credit Card To PayPal?

Linking a credit card to PayPal is both advantageous as well as disadvantageous. Most users prefer linking up a bank account and either a credit or a debit card to their PayPal to access maximum features and improve usability. 

If you don’t add your credit card, debit card, or bank account, then PayPal would limit the facilities. The very first problem would be that you won’t be able to send or take out as much money as you want. PayPal would limit the amount. 

Needless to say that the fund in PayPal’s wallet would never be enough to make a purchase or transaction. This is why you should at least link a bank account or a debit or a credit card to your PayPal account. 

I suggest you add your bank account to your PayPal account. Linking a bank account would facilitate sending, withdrawing, and receiving money directly to and from your bank account via PayPal.

However, if you link your credit card, the money that you receive via PayPal should be used via PayPal only. You can’t use the fund without PayPal. 


All in all, linking your bank account to PayPal is preferred, and not adding your credit card would do no harm. Though there would be limitations in usability, you can still use PayPal conveniently. 

Now that you have got your answer, I believe you have no confusion or hesitation regarding using PayPal without a credit card. 

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