How to top up PayPal

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Alejandra Rangel
@alejandrarangel
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PayPal it is undoubtedly the most used payment system to shop online, also thanks to its intrinsic security!

PayPal operates as an intermetheary in online purchases, avoitheng users the risks deriving from the therect sharing of all the data of a credit card, thus acting as a sort of "filter" between the buyer and the seller; to this we must add a whole series of protections that it offers in case of non-compliant purchase or in case of parcel not shipped on some affiliated sites (eBay in the first place, but also many other online shopping sites).



How to top up PayPal

In this guide I will show you step by step all the best ways to top up a PayPal account. In this way you can choose from time to time the fastest and most comfortable method accortheng to the needs of the moment.

Here is a quick menu that will take you to your preferred method:

  • Top up PayPal from your credit / prepaid card
  • Top up PayPal from a bank account
  • Top up PayPal with a wire transfer
  • Top up PayPal with money transfer
  • Top up PayPal from your smartphone
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Top up PayPal from your credit / prepaid card

The first useful news to know about PayPal is that, in case of a balance of 0 € (therefore you don't have any money on PayPal), the service will use one of the added payment methods to make the online payment.
So you don't have to actually top up PayPal to make your purchases!
Associate a credit card, debit card or prepaid card (recommended) to your PayPal account by following this procedure.



Open the PayPal site from the following link and enter your account login details (if you do not have an account yet, click on Register for free and enter your personal data).

LINK | PayPal

Once inside your PayPal account click on the button Link bank account or card, present on the left side of the site.

In the window that opens, click on the button Link a card.

Another window will open where you can enter all the data of your credit card, prepaid card or ATM card.

Fill in all the fields carefully (paying particular attention to the CVV code on the back of the card) and finally click on Save to add your card as a payment method.

From now on, if you make an online purchase with PayPal there will be various ways to proceed, it will be the same service to choose from time to time:

  • If you make a purchase covered by your PayPal balance (you have enough money), no money will be taken from your card;
  • if you make a purchase partially covered by your PayPal balance (you do not have enough money) your entire balance will be used and the thefference to be paid will be deducted from the card;
  • if your PayPal balance is zero, the requested sum will be withdrawn entirely from the card.

Always keep an eye on your PayPal balance!
With this method the credits are instant, you don't have to wait to confirm the purchase.


Note: PayPal will send a small credit (with a code in the reason) on the added card, which will appear on the online statement of the same within 2-3 working days or which you can check on the next paper statement.
Take note of the number and code of the reason, log in to your PayPal account and follow the instructions in the Wallet section to confirm your card.


How to top up a PostePay - All the possible ways to do it There are many methods to recharge a PostePay, you just have to choose the one that is most convenient for you!

Top up PayPal from a bank account

A good alternative to top up PayPal is to associate your own bank account with your account.
In this case you can make your purchases without worrying about the balance or limits imposed on the card.

The steps are very similar to those seen in the previous section:
open the PayPal site from the following link and enter your account access data (if you do not have an account yet, click on Register for free and enter your personal data).

LINK | PayPal

Click on the button Link bank account or card, present on the left side.

Now click on the button in the window that opens Link a bank account.

A window will open where you can enter the IBAN of your current account you intend to use.


Enter all the required data and click on Save.
The system will use the same procedure seen for cards:

  • If you make a purchase covered by your PayPal balance (you have enough money), no money will be taken from your bank account;
  • if you make a purchase partially covered by your PayPal balance (you don't have enough money) your entire balance will be used and the thefference to be paid will be deducted from your current account;
  • if your PayPal balance is zero, the requested sum will be withdrawn entirely from the current account.

Given the ease with which you can spend online, it is better to always keep an eye on your PayPal balance.
Even with this method the credits are instant, you don't have to wait to confirm the purchase.


Note: PayPal will send two small credits to the account which will appear on the online statement within 2-3 working days or which you can check on the next paper statement.
Make a note of the two amounts, log into your PayPal account and follow the instructions in the Wallet section to confirm the bank account.

Top up PayPal with a wire transfer

But if instead of associating payment methods you want actually reload PayPal, that is, do you want to bring the balance in positive?
You can top up PayPal via a bank transfer as if it were any other current account.

Open PayPal at the following link and log in.

LINK | PayPal

On the main screen click on the item Reload account.

In order to continue, an associated current account is required; you can add it now or follow the procedure I described to you in the previous section.

Once the PayPal current account has been associated, it will generate a virtual IBAN, to which you will have to send the bank transfer.
This IBAN uniquely identifies the money transfer to your PayPal account.

If you want to top up by bank transfer at your bank, click on the Print button and take the data with you to the bank.
If, on the other hand, your bank offers online transfers, you can use them to top up PayPal to the IBAN that PayPal has provided you with.
To get the PayPal top up with this method it can take 2-3 working days, so choose the day to top up by bank transfer.

Please note: Make sure that the name registered on the PayPal account matches the name on the bank account used!

Top up PayPal with money transfer

Another way to top up PayPal is to receive money from other PayPal users; to do this you can use the account of a friend or relative (maybe you can ask him for this favor in exchange for the sum in cash).
To recharge PayPal, have your benefactor follow the steps below.

Open the PayPal homepage at the following address.

LINK | PayPal

Have your benefactor enter his login details; once inside the account click on the button Pay or send money.

A drop-down menu will open; click on Send money to family and friends.

A new window will open where the benefactor will have to type in the email, phone number or name associated with your PayPal account.

Tell the benefactor the email you used for PayPal (it is the safest method) and click on NEXT; on the next screen you just have to enter the amount to be transferred to your account and confirm.

Your benefactor can send you money either by withdrawing it from their PayPal balance or by using one of the payment methods associated with their account.
The money that comes to you will be added to your PayPal balance; accreditation with this system is immetheate.

Top up PayPal from your smartphone

Do you want to top up PayPal (or rather your balance) using your trusty smartphone?
You can do it safely, instead of using the website you will use the official PayPal app.

First of all, download the PayPal app for free from the following links accortheng to the device you use.

DOWNLOAD | PayPal (Android)

DOWNLOAD | PayPal (iPhone)

Once downloaded, log in (if your smartphone allows it, you can also use your fingerprint).
In the home of the app you will find two items with which you can recharge PayPal: Send money and request money.

The voice Send money is very similar to the one seen in the previous section: your benefactor can use this item to send you money using your smartphone and entering your email address associated with PayPal.

The voice Request money allows you to ask a person you know to transfer the amount you need to top up PayPal; your "future" benefactor will receive a notification if he has the app installed, otherwise he will still receive the request for money via email.
The benefactor will have to accept your request, then he can use his payment methods to top up your account (balance, card or current account).

How to top up PayPal

Audio Video How to top up PayPal
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