Manage your money

Money in. Money out. Manage it all.

Get paychecks up to 2 days early with Direct Deposit. Shop nearby and get cash back with the PayPal debit card. Earn interest with PayPal Savings. Give yourself more security and flexibility with PayPal.

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PayPal Debit Card
 
Pay Bills
 
Set up Direct Deposit
 
PayPal Savings
 
Add Cash
 
Buy and Sell Crypto
 
Cash a Check
 

Payday’s here. Bills? Paid. Spend a little. Save the rest. Watch your money grow. Breathe easy. Your money matters? All in one app.

Make the most of your money

We make it simple to use and manage your money.

Get paid early

Get paychecks and government payments automatically transferred to your PayPal balance1 up to 2 days early.2

More about Direct Deposit  

Digitize your cash

Add cash3 with the app or the PayPal Debit Card4 at 90,000+ stores across the US, including Walmart, CVS, and 7-Eleven.

More about adding cash  

Skip the bank

Snap photos of checks with the Cash a Check5 feature in the app and add that money to your PayPal balance.

Explore mobile check cashing  

More ways to manage your money

Grow your PayPal Savings, with interest

Our 4.15% APY gives you even more room to build your rainy-day fund without monthly fees or minimum balances.6

More about PayPal Savings  

Discover crypto

Learn how to buy, sell, transfer, and hold Bitcoin, Bitcoin Cash, Ethereum, and Litecoin with confidence.7

Discover crypto  

Pay your bills in one place

Securely pay your utilities, TV, internet, phone bills, and more.

Pay bills with PayPal  

Meet the PayPal Debit Card

Pay in person or online and earn cash back8 on eligible purchases everywhere Mastercard® is accepted. Plus, there’s no monthly fee, minimum balance, or credit check required.4

About the PayPal Debit Card  

Join the millions around the world who love PayPal

Easily and securely spend, send, and manage your transactions—all in one place. Download the app on your phone or sign up for free online.

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1
Direct Deposit is subject to the payor's support of this feature. Funds deposited via Direct Deposit will generally be available on the day we receive the funds transfer. You may review activity on your periodic statements or transaction history on www.PayPal.com, or call Customer Service at 1-888-221-1161 to verify receipt. We reserve the right to accept, reject, or limit transfers via Direct Deposit in our sole discretion. If you wish to cancel Direct Deposits, you must contact your employer. PayPal does not charge any fee to set up or maintain Direct Deposit. Refer to your PayPal User Agreement for complete Direct Deposit details.
Once it's set up, Direct Deposit usually takes two (2) pay cycles to begin, but can vary across employers. Please check with your employer for specific timing.
2
New Direct Deposit enrollees will be eligible for early access, subject to the terms and conditions. The early access feature will be made available to all eligible Direct Deposit customers in the coming months. Early access can allow a user to access their funds up to 2 days early. Early access to funds depends on when we get payment instructions from the payor (your employer or government agency). When we get funds before the scheduled payment date, your money can be made available up to 2 days sooner than scheduled. Availability and timing can vary based on the payor and when we get payment instructions. Once the funds are received, they will be deposited directly into your PayPal balance.
3
Up to $4.95 cash reload fee applies. This service fee is to add cash into your PayPal Balance account.
4
The PayPal Debit Mastercard® is issued by The Bancorp Bank, N.A. pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. This is a debit card linked to your PayPal Balance account and is not a credit card. Card may be used everywhere Mastercard is accepted. The Bancorp Bank, N.A. is issuer of the Card only and not responsible for the associated accounts or other products, services or offers from PayPal.
PayPal is not a bank and does not itself take deposits. You will not receive any interest, credit, or other earnings on the funds in your PayPal Balance account. Your U.S. dollar PayPal Balance funds are eligible for FDIC pass-through insurance up to applicable limits only if you have a PayPal Debit Card, have enrolled in Direct Deposit, or have bought or received cryptocurrency. FDIC insurance does not protect you against the failure of PayPal. See PayPal Balance Terms and Conditions.
5
The Cash a Check feature is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Fees and terms apply. All checks subject to review for approval. Unapproved checks will not be funded to your account. For more details, see the terms and conditions.
6
As of April 12, 2023, the annual percentage yield (APY) for PayPal Savings is 4.15%. This is a variable rate and can change at any time, including after the account is opened. Banking services provided by Synchrony Bank, Member FDIC.
7
PayPal Balance account required. When you buy or sell cryptocurrency, including when you check out with crypto, we will disclose an exchange rate and any fees you will be charged for that transaction. The exchange rate includes a spread that PayPal earns on each purchase and sale. See cryptocurrency fees.
Buying, selling, and holding cryptocurrencies is not regulated in many states, including the State of California. PayPal, Inc. is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Buying, selling, and holding cryptocurrency with PayPal is not available in Hawaii and where prohibited by law.
Buying and selling cryptocurrency is subject to a number of risks and may result in significant losses. Please see our disclosure here for more details. PayPal does not make any recommendations regarding buying or selling cryptocurrency. Consider seeking advice from your financial and tax advisor. All custody of and buying and selling in cryptocurrency is performed for PayPal by its licensed service provider, Paxos Trust Company, LLC.
8
Deals may change and are subject to availability. PayPal and merchant terms, conditions, and exclusions apply. PayPal Balance account is required to get the card.