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How to add funds to a Paypal account?

June 2, 2009


Stocks, Mutual Funds, Forex, Finance Philippines
Make Money Online, Stocks, Mutual Funds, Philippines



You’ve opened a Paypal account. There’s something on the internet that you want to buy but your Paypal balance is zero. You wonder how you can add funds to your account so you can start buying online.

How exactly do you fund a Paypal account?

There are only two ways.

1. Through a US bank account

Link your US bank account to your Paypal account and once confirmed, you can add funds by transferring money from it. This feature can be found under My Account > Add Funds > Transfer Funds From a Bank Account in the United States.

Even if you have a non-US Paypal account, you can still add funds as long as the US bank account is in the same name as the Paypal account. Adding funds from a US bank account is free but takes 3-4 days before it gets credited in Paypal.

2. Through a fund transfer from another Paypal account

Stocks, Mutual Funds, Forex, Finance Philippines


This basically involves one Paypal account holder sending money to another Paypal account owner. Through the Send Money function,one person’s Paypal balance can be sent to your account. Once you’ve received the funds, you can now use these to purchase online.

How to add funds to Paypal using a credit card?

This is currently not possible. Paypal does not allow funds to be transferred directly from your credit card to your Paypal balance.

So how can you use Paypal to buy online if your Paypal balance is zero? If your card is linked with Paypal, when you purchase something online, it will automatically deduct from your credit (or debit) card the transaction amount. If you have some balance on your Paypal account, the system will first deduct this then the remaining balance will be debited from your card.

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Join the discussion! Post a comment below


  • Dre

    can I add funds to my paypal account through a savings account from a Philippine bank?

  • http://www.pinoymoneytalk.com/ James | PinoyMoneyTalk.com

    @Jopet, look for a Paypal account owner willing to transfer his funds to your account. You can start by dropping by the PMT Forum.

    @Dre, no, that’s not possible. The bank account must be a US bank account for the transfer to be possible.

  • Leanne

    Hi. thanks for this helpful information. But, can i open a U.S. bank account in the Philippines???

  • http://moralde.com/ James M.

    “If your card is linked with Paypal, when you purchase something online, it will automatically deduct from your credit (or debit) card the transaction amount. If you have some balance on your Paypal account, the system will first deduct this then the remaining balance will be debited from your card.”

    I had a personal experience just a month ago that tells me this works only if you have at least a $1 or more balance (like some sort of seed money) on your Paypal (not zero).
    .-= James M.´s latest blog ..Open_Basedir Restriction In Effect =-.

  • http://www.virtualoutsourcingphilippines.com jefferson faudan

    ok…given that i have a paypal account and it’s zero balance but it has been an active account…
    let’s say my debit card is zero balance as well but it is an active debit card… will it consider deducting the fees instantly as soon as the money comes in or it won’t allow you to do any purchases until your debit card has a remaining balance?

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  • teacher_adel

    …you can open an EON account at Union Bank to link to your Paypal Account.  The one time charge is Php350.00.  If you are going to purchase online using your Paypal, you just need to deposit funds to your EON account (just like your ordinary savings account).  They issue an ATM card for this account.

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    Link your US bank account to your Paypal account and once confirmed, you
    can add funds by transferring money from it. This feature can be found
    under My Account > Add Funds > Transfer Funds From a Bank Account in the United States.

  • Vonne Anthony Javier

    this really helps since I am active online earner.

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