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.
[box type=”tick”]1. Through a US bank account[/box]
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.
[box type=”tick”]2. Through a fund transfer from another Paypal account[/box]
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.
Can I 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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this is one of my problem too…paypal is still a very limited online financial tool for me. thank god, there are members here at PMT who would readily offer to transfer their paypal money to my account by paying them in peso.
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Hi ?? Thank God also thay you found out way in order that your paypal have funds. And that is now my problem also. Would you help me too. Please! ?
“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.”
Oh my God! That’s the answer I’ve been looking for! I thought I can never purchase anything online using Paypal because I could not add funds to my Paypal account (as my bank is non-US). Presently, I buy things online using my debit card, each time praying that no hacker is anywhere near to notice my transaction.
Hey, thanks!
Linking Paypal and your credit card really makes online purchases more safer and secure as compared to using your credit card directly. Linking however takes about a month to process because you need to wait for your credit card statement, but it’s well worth the wait!
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oh, so why is safer it when you’ve linked your credit card to your paypal?
@Dinah, it’s safer to link them and pay using Paypal as compared to paying directly with your credit card because you don’t need to give your credit card number and the 3 digit pin code at the back when paying online. Once a merchant knows your credit card number and pin, they can actually charge purchases to your credit card without you knowing it until you get your monthly credit card statement. I experienced this once and it was a good thing that merchant refunded me when I asked them. It was for a monthly fee for a membership subscription which had already been cancelled and yet they still charged me for another month. Had I used Paypal, I could have cancelled the subscription within my Paypal account management screen and the merchant would not have been able to charge me in the first place.
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so this is how you do it. Ive also been wanting to transfer my funds and buy from the net. Thanks for sharing your blog. You can also visit this site at
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This is good guide to newbie… This is what I used in my site, inorder to build a site you need to purchase a domain name and hosting. I used paypal for my transactions. keep it up!
I usually do the fund transfer from another PP account. I asked some friends to transfer fund to my account in exchange of cash or will just deposit the payment thru their bank account.
I also buy funds from a third party when my friends has no available PP funds.
This post will surely a big help for those new in using PP.
I’m also getting the same trouble adding funds in my Paypal account. Because of this, I only use Paypal in receiving money online and use my debit card to pay online.
BTW, this blog is great and gives me a lot of bloggig and making money online tips. That is why I included this blog in my great list of business blogs.
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hey guys i need help.. i need to fund my paypal.. can you please help fund it by account-to-account transfer? how it works? thanks
Hi so if I want to buy something online ex. $100. And I have P5,000 in union bank and it will convert itself to dollar? I’m from the Philippines.
can I add funds to my paypal account through a savings account from a Philippine bank?
@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.
Hi. thanks for this helpful information. But, can i open a U.S. bank account in the Philippines???
“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).
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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?
nice! ilike very much !
…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.
this really helps since I am active online earner.
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I added my bank account just now, i thought it will be verified or something like how they do in the us. I want to know, can I still send money using my bank account even if im not yet verified? someone help 🙂
does Paypal accepts USSC debit card (VISA) ?
very useful information. thank you so much for this
the answer i was looking for fro so long
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If you badly need to add paypal funds, you can check this out – https://pinoythings.wordpress.com/how-to-add-funds-to-paypal/
Hi, kabayan. It’s strange, but in my account, I don’t see the “Add Money” or “Add Funds” button which is visible in the other Paypal accounts of other nationalities.
So, how do I add funds now to my Paypal account from my bank account?