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Add money to Paypal account without credit card?

We received the following question regarding Paypal from a PMT reader:

I have no credit card and bank account. How can I load money in my Paypal account? Is there a bank that will accept money to put it in my Paypal account?

Adding money to Paypal account

We addressed this question before in our article How to add funds to a Paypal account. Basically, the two options to add money to a Paypal account is through (1) a US bank account; or (2) Balance transfer from another Paypal user.

Funds cannot be loaded from a debit or credit card, but when making online purchases, the transaction amount is deducted directly from the card balance.

So if you have no credit card or bank account, the only way to fund an account is to look for someone who will transfer his or her funds to you. Drop by the PMT Forum’s Paypal Exchange Board to look for people who would like to buy or sell Paypal funds.

We are warning you, though: It’s risky to transact with strangers so be careful before entering into such transaction.

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20 thoughts on “Add money to Paypal account without credit card?”

  1. EihdraG says:

    But what if I have a bank account linked already with Paypal. But when I tried
    adding funds, Paypal said “PayPal does not currently offer the ability to add funds from your bank account. ”
    Do you know of any banks which Paypal allows fund transfer? Thx

  2. rymon says:

    try unionback eon. its a debit card available locally. it can transact as if it is a credit card

  3. rymon says:

    Im sure union eon will work, it works for me. No, the e-card of bpi won’t work. Problem with debit cards is when there is a mistake in the purchase, and there is a need to refund, it takes 2-4 months for international purchases with all the receipt verification because funds are automatically transferred unlike credit card.

  4. Amal Roy says:

    Now Pay pal allows to verify our account without credit card!
    .-= Amal Roy´s latest blog ..How To Update Kaspersky Manually / Offline (without Internet) Step By Step Guide =-.

  5. Matt says:

    I wouldn’t do this, seems like madness to me
    .-= Matt´s latest blog ..Golden Hat Bingo Birthday Bonus =-.

  6. make money online tips says:

    I am experiencing the same here in Qatar EihdraG.I think use of paypal here is very complicated that’s why I’m using alertpay instead of paypal. Problem is, most merchants are not accepting alertpay because paypal is most used payment processor.

    About the transaction of looking for someone who will transfer his or her funds to you is very risky. There was a member on this site before name angelita who scammed the senior members of this site. So, be careful before entering into such transaction.

  7. julius says:

    same problem with EihdraG, i also have union bank eon card but it doesnt work to add funds in paypal

  8. RV says:

    I got an EON card from union bank too thinking that I can use this to transfer funds to my pal pal account. Buti na lang I checked with customer service just this morning. Unfortunately I cannot transfer funds fromn my peso eon card to my paypal. Kailangan ko pala ay dollar account with unionbank which needs a USD1,000 minimum opening para I can transfer funds to my paypal.

    Kung peso account ang eon card ko, I can only transfer paypal funds to my eon and not vice versa.

  9. julius says:

    ahh,getz. datz y i cannot add funds to my paypal account pla kc kelangan pla ng dollar accnt..hayyyyy

  10. mie says:

    pwde ba cash card ng bdo i-link sa paypal acct? pls. reply, thanks

  11. Paypal Bingo says:

    Thanks for those advises. I still think that asking strangers to transact money with you is highly dangerous however for non US residents without credit card – it is maybe the only solution.

  12. Ernest @ merchant services says:

    I was really happy that this is possible. I am not a fan of credit cards but I want to use pay pal. Thanks for sharing

  13. Belle_cano90 says:

    how can i transfer my paypal money if i dont have any credit cards,,my bank is only china bank…how?…need help…

    1. kianne says:

      i can help you just text me (09076505552) or pm me in my facebook

  14. Santap Romano says:

    Thanks for this post. I have learned alot.
    Santap –

  15. Janice says:

    i only have a BPI acount. how can i fund a paypal account?

  16. joy says:

    can i use paypal to order items ? with out credit card ?

  17. Seth Abelman says:

    Voice of America (blog)

  18. Raulph Sarona says:

    I have found a way although it has diminishing returns but still gets the job done,
    Use Bitcoin (for ph : , add money into that bitcoin account you made via 7/11 Stores,
    and then use that money added to bitcoin and transfer it to paypal account..
    you can create a paypal account w/out a credit card/debit card/bank account but you will have a spending limit of some sort, but you can use it to buy/sell already

  19. kennzy says:

    If you need paypal funds, you can try this :

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