Connecting Bank Account to PayPal: A Step-by-Step Guide for 2023

Setting Up Your PayPal Account

If you already possess a PayPal account, you may bypass these procedures.

Step 1. To commence, navigate to the esteemed website Additionally, you have the option to create an account utilizing the app obtainable for download from your preferred App Store.

Step 2. Upon reaching the PayPal homepage, you shall encounter the "Sign Up" button situated on the upper right section of the page. Please execute a click on this button. Subsequently, you must determine whether a business account or an individual account suits your intended purpose of utilizing PayPal. Opt for the business alternative if your intention is to engage in the sale of products or goods in exchange for monetary funds.

💡Tip: We provide an informative article that assists in deciding the most appropriate account for you. The article compares and contrasts PayPal business accounts and personal accounts. Feel free to peruse it by following this link: PayPal Business Accounts vs. Personal Accounts.

Step 3. Should you plan on casually sending and receiving money from loved ones, kindly select the individual option and proceed by clicking "Next."

Step 4. A prompt shall appear, requiring you to input your phone number. After completing this step, click "Next."

Step 5. The subsequent form necessitates the completion of your full name, email address, and desired password to access the account.

Step 6. Upon pressing the "Continue" button, an additional form shall emerge, soliciting personal details like your nationality and residential address.

Step 7. By once more selecting the "Continue" button, the account creation process shall be completed, resulting in the establishment of your personal PayPal account.

Step 8. A confirmation email shall be promptly dispatched to your registered email address. Following the instructions outlined in the email, proceed to verify your email address. Once confirmed, your PayPal account is adequately prepared for further actions.

Connecting Your Bank Account to PayPal on the Web

Since your PayPal account setup is finalized, let us proceed to the subsequent steps to integrate your bank account with PayPal.

Step 1. Utilizing the desktop version, simply access your Wallet by visiting this link.

Step 2. On the top left corner of the screen, locate and select "Link a bank."

Step 3. Progressing forward, you shall be prompted to designate your preferred bank. Besides, ensure that you possess all the necessary bank information at your disposal. Once presented with an extensive list of prominent banks, employ the search function if your bank is not immediately visible. Upon locating your bank, kindly click on it.

Step 4. Two options shall become available: you may either log into your online banking account and subsequently click "Agree and Link," or alternatively, choose "Link your bank another way." The latter option necessitates a waiting period of 2-3 business days before functionality is established.

Step 5. Opting for the second alternative shall redirect you to a designated page. Herein, you shall be required to input your bank details, including the account type (checking or savings), routing number, and account number.

Step 6. After confirming the accuracy of the provided information, click the "Agree and Link" button. Subsequently, within 3 business days, PayPal shall transfer two nominal deposits into your bank account. It is imperative that you periodically monitor your account for these deposits, as they serve as confirmation of the successful integration of your bank account with PayPal.

💡Tip: In the event that you do not receive the nominal deposits from PayPal, it is possible to request their retransmission.

Guide: Connecting your Bank Account via PayPal Mobile App

The process of linking your bank account through the PayPal app follows a similar path to the online process, albeit with a slightly different appearance.

Step 1. Begin by signing in to your account.

Step 2. Once signed in, locate the settings symbol on the upper-right corner of your phone screen. Tap on this symbol. The subsequent screen will present you with various tab options, including Personal Info, Public Profile, and Message Center.

Step 3. Below these tabs, here lies another tab labeled "Banks and Cards". Click on it to access your credit and debit card details.

Step 4. On the top-right corner of the screen, there is a small plus sign symbol. Tap on this symbol, leading you to a new screen with options for "Bank Account" and "Debit or credit card".

Step 5. Select "Bank Account" to proceed to a new page where you can choose your bank. Should your bank not be listed, feel free to utilize the search bar at the top of the screen for easier navigation.

Step 6. Next, you will be given the choice to either sign in to your online bank account or manually link your bank through an alternative method. For those without an online account, selecting "Link your bank another way" will prompt you to provide your account type, account number, and routing number.

Please note that this manual option may take 2-3 business days to become operational.

Step 7. Once you have filled out your bank information, click the "Agree and Link" button located at the bottom of the screen. Within the next 3 business days, PayPal will initiate two small deposits into your account, just as it would if you were linking your bank account via the online webpage.


Ensuring your bank account is connected to PayPal is crucial if you wish to take full advantage of PayPal's services. The overall process is relatively straightforward, provided you have all the necessary bank details ready.

It is worth noting that some individuals may not receive test deposits from PayPal due to certain online banks combining the deposits into a single sum. We would like to clarify that these deposits are only temporary and will be deducted from your bank account.

Should you require further information, feel free to consult PayPal's official guide on the process of linking a bank account to PayPal.

2023: Connect Your Bank Account with PayPal
2023: Connect Your Bank Account with PayPal

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