How to add Bank Account or Credit Card to your PayPal account.

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After successfully creating your Paypal account you need to connect either your Bank Account or your Credit or Debit Card in other to perform a transaction (Sending and Receiving Money)

If you just created the account, on the menu running down the left side of the screen, click the “Link a credit or debit card” if that’s what you’d like to use with your account.

Alternately, if you want to connect your bank account itself, click on the “Link a bank account option.” Note that it may be worthwhile to do both to create a source of backup funding in future.

But to accurately undertake this task, follow the instructions below:

How to add Debit or Credit Card to your PayPal account

  1. Click the Settings cog next to log out.
  2. Click My money on the left side of the page.
  3. Click +Link a new Card in the “Cards” section.
  4. Follow the onscreen instructions to enter your Credit Card details.
  5. Click Agree and Link.

How to confirm debit or credit card

After entering your debit or credit card, you need to undertake a confirmation in other to it to work. Paypal will ask you to confirm your card to verify you’re the card owner.

Here’s how to confirm your card:

  1. Click Wallet.
  2. Click the card you want to confirm.
  3. Click the confirm card link. (If you don’t see the link, your card is automatically confirmed and you don’t have to complete this process.)
  4. Read the information on the confirm credit card page and click OK.

PayPal will charge $1.95 USD to your card and generate a confirmation code on your card statement. After the card is confirmed, we will immediately refund $1.95 USD back to your card. Your card issuer will credit your card balance within 30 days from the date of the refund.

You will receive the 4-digit code and the word PAYPAL on your Bank or Card statement where the $1.95 charge appears. If you view your card statements online, you can check for the code in a few days. Otherwise, check for the code when you receive your next statement in the mail.

Confirm your card by entering the code
Have your 4-digit PayPal code ready and follow the steps below:

  1. Click Wallet.
  2. Click the card that needs to be confirmed.
  3. Enter the 4 digit code in the box and click Confirm.


  • If you do not act to confirm your card by entering int he 4-digit code (or your card cannot be confirmed), the charge will be refunded 75 (60 days in Brazil) days from the date of the charge. Based on certain jurisdictions (such as Brazil), the credit may not actually post to your card for up to 30 additional days.
  • If you remove your card or close your account during the time frames above, the return of the credit may not process. In these instances, you  may need to contact PayPal Customer Service to have the charge refunded.

How to add Bank account to your PayPal account?

If you are in Ghana or any of the blacklisted countries, you are ineligible to enter your local bank details. However, you can add a U.S Bank account if you have one. In some countries, adding a U.S. bank account option may not be available at all.

Here’s how to link a Bank account if it’s available in your PayPal account:

Here’s how:

  1. Click the Settings cog next to log out.
  2. Click My money on the left side of the page.
  3. Click +Link a new bank in the “Banks” section.
  4. Select your bank, or click “I have a different bank” if you don’t see your bank listed.
  5. Follow the onscreen instructions to finish adding your bank details.
  6. Click Agree and Link.
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