How To Set Up A Paypal Account | send, receive, and transfer money

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How to Set Up a PayPal Account

Two Parts:

PayPal is a popular online payment system that lets you shop online without having to re-enter your information for every transaction. You can easily set up a PayPal account and start using it in a matter of minutes.

Quick Summary

To get started setting up a PayPal account, go to and click “Sign up” in the top right corner of the page. Enter your email and create a password for your account that will be hard for others to guess. Then, fill out the form with your name, address, and phone number. You can also enter your bank account information so you can transfer money between your accounts.After you’re done, open the email PayPal sends you and click on “Activate my account.” For help linking your new account to your bank or credit card, scroll down!

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Creating an Account

  1. Visit the PayPal website or open the PayPal app.You can create an account from the PayPal homepage or from the app. You can install the app for free from your device's app store. The account creation process is largely the same for both the website and the app.
  2. Click "Sign Up for Free" or tap "Sign Up".This will begin the account creation process.
    • For business accounts, there are two different options, each of which have different cost structures and benefits. Standard accounts free, but customers must route through PayPal in order to check out. Pro accounts cost per month, but you get to full control over how you want to design the checkout process.
    • The Standard free business account is the same as the old PayPal Premier account. This account is best suited for users who do lots of buying and selling on eBay.
  3. Enter your email address and create a password.Make sure that you create a strong password so that nobody else can access your financial information. See How to Create a Secure Password for some tips.
    • Make sure that you enter a valid email address, as you'll need to use it to verify your account.
  4. Fill out the form with your personal information.You'll need to enter your legal name, address, and phone number. All of this information is required in order to create your account.
  5. Enter your credit or debit card (optional).After entering your personal information, you'll be prompted to enter your credit or debit card. You can enter this now or later, but you'll need to at some point if you want to verify your PayPal account.
    • If you don't want to enter your card information now, click "I'd rather link my bank first".
  6. Enter your bank account information (optional).You'll need a bank account linked if you plan on receiving money and want to be able to transfer it to your bank. You don't have to do this now if you don't want to. Just click "I'll link my bank later" to skip it for now. You'll be prompted to confirm that you want to skip the process.
  7. Apply for PayPal credit (optional).Before you're taken to your account's Summary page, PayPal will prompt you to sign up for a line of credit. This is optional, and you should read all of the terms carefully before applying. If you'd rather not apply for credit, click "No thanks".

Verifying Your Account

  1. Confirm your email address.In order to receive money at your PayPal account, you'll need to confirm your email address. You should have received an email when you created your account. Click the "Yes, this is my email" button in the email message to confirm your email address.
    • If you can't find the message, check your Spam folder or "Purchases" label in Gmail. You can have PayPal send another message from your account Summary page. Click "Confirm Email" to send another message.
  2. Link your bank account.In order to send money from your bank account or transfer funds you receive to your account, you'll need to link it with PayPal. Click the "Link a bank" option on your account Summary page to get started. Sending money to friends and family from your linked bank account is cheaper than using your debit or credit card.
    • If your bank is listed, you'll be able to enter your online banking login information to automatically link your account.
    • If your bank is not listed, you'll need to enter your account number and routing number. You can find these on the bottom of your checks. This will take a day or two to confirm. PayPal will make two small deposits into your account, totaling less than a dollar. You'll need to enter these two values in order to confirm that you are the owner of the bank account. You'll be able to find these deposits on your online statement after 24-48 hours.
  3. Link your debit or credit cards.You can use PayPal to manage your various credit and debit cards, allowing you to checkout from websites without having to enter your information each time. Click the "Link a card" option on your Summary page to add a card to your PayPal wallet. You'll need to enter the card number, expiration date, and security code. The name on the card must match the legal name you entered when creating your account. Cards are linked instantly.
    • You can also use this method to add a prepaid gift card from Visa, MasterCard, American Express, or Discover.

Community Q&A

  • Question
    How do you receive money through PayPal?
    wikiHow Staff Editor
    Staff Answer
    All a person needs to send you money on PayPal is the e-mail account you used to open your account. When the person sends you money, you'll be notified by an e-mail and then you can log into your account and transfer the money to a bank account if you have it connected to your PayPal account.
  • Question
    Is it safe to do PayPal?
    wikiHow Staff Editor
    Staff Answer
    Nothing is 100% safe, but PayPal has good protections in place, both as far as encryption and for fraud and helping buyers resolve disputes with shady sellers. In many cases it is safer to use PayPal rather than entering in your credit card directly, since each store you shop at is a potential risk and by using PayPal stores never see your actual credit card number.
  • Question
    Can you have a PayPal account under 18?
    wikiHow Staff Editor
    Staff Answer
    As of right now, the answer is no. There used to be an option for a PayPal Student account which could be opened with the help of an adult, but this has been discontinued. This appears to be for legal reasons, since someone under 18 cannot legally enter into a contract. However, many banks allow minors to open accounts with the help of a parent or guardian.
  • Question
    What if I have a peso account and they deposit dollars. Is it fine?
    wikiHow Contributor
    Community Answer
    Yes, PayPal should convert other currencies to the rate of the time you get it. It'll show up as dollars on your statement, however.
  • Question
    Can I link a savings account instead of a checking account?
    wikiHow Contributor
    Community Answer
    Yes, you can link any kind of bank account to your PayPal account.
  • Question
    Do I have to have a credit card or bank account to open a PayPal account?
    wikiHow Contributor
    Community Answer
    No, but if you don't, you can only receive money by check.
  • Question
    Can I set up a PayPal without a bank account?
    wikiHow Contributor
    Community Answer
    Yes, you can. You won't be able to move funds from your bank account to your PayPal account, but you can load it with a debit card, credit card, PayPal gift card, or have other people send you money.
  • Question
    How do I withdraw money from my PayPal account?
    wikiHow Contributor
    Community Answer
    There should be a withdraw button on your PayPal account page. You then need to select the bank account to send it to and the amount you want sent.
  • Question
    Can I open a PayPal account without a credit or debit card?
    wikiHow Contributor
    Community Answer
    If you have a bank account and can provide the account/routing number for that, yes.
  • Question
    Why do they need my address?
    wikiHow Contributor
    Community Answer
    They need your address to verify your identity. It's just a security measure.
Unanswered Questions
  • Can I open a PayPal account with my data and use my phone number to link it?
  • Can you receive your online pay from Paypal without a bank account?
  • To send money to a person, is there a charge?
  • How long does it take after just opening an account for someone to send me money?
  • Can I open a PayPal account with my data and use my wife's account number to link it?
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4 votes - 75%
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75% of people told us that this article helped them.
Views: 1,306,099

Chimdi Bekee

Aug 13

"Though I am still waiting for your answers towards the question I asked, so I believe it will help me get what Iwant. "


Jun 11

"I understood that how to create PayPal account, steps are given simple way to understand. I liked it"

Belin Accam

May 4

"Very clear... Thanks!"

Larry Skulls

Jun 26, 2019

"The first thing I thought of doing was just looking it up on Google and find some random site that didn't help meout at all. Then I saw steps on how to do what I needed to know. I click on the linked and there it is: a site with very detailed information on how to do what I wanted and how many other ways I could have done it."
Rated this article:

Kenric Ngesa

Jan 8, 2019

"I really love how organized you are at answering questions on the information you've given out about PayPalaccounts. A friend advised me to have an account with you, and I must say I'm convinced. Thank you."

Lucille Carter

Jul 8, 2019

"I had questions about creating a PayPal account for an Etsy store a friend and I are starting that I wantedanswered before I tried to do it. This answered all my questions, so thank you for the information!"
Rated this article:


Aug 14, 2019

"Very helpful, thank you. I have a PayPal account, but a dear friend wants to set one up for herself. I am going to

Elaine Martin

Aug 6, 2019

"I found this article very informative and helpful. I found it a useful tool which gave clear, concise instructionson how to create a Pay Pal account. I would certainly use wikiHow again."

Monique Simon

Apr 26, 2019

"I work with a consultant who lives in another country. Using PayPal will make our financial transactions a lotsafer, faster, and easier."
Rated this article:

Reeya Eddielen Marapao

Aug 25, 2019

"My friend in another country wants to send me \ money via PayPal but I don't know how to use a PayPal to receiveit. This helps. "

Ul-Fatul Haque

Apr 25, 2019

"I had many confusions about PayPal and didn't know how it actually worked and everything so this really helped me."

Elena Jones

Jul 24, 2019

"I hope this works. I don't want anyone to take money from my bank account but this looks good to use I hope!"

Marie Tidy

Jan 11, 2019

"What I really like about wikiHow is the step-by-step, easy-to-understand instructions.Thank you so much!"

Jahmilton Sleek

Sep 5, 2019

"I got some specific steps and tips, and it was really helpful to me. Thanks to you guys. It's awesome."

Akpovona Goodluck Nelson

Aug 11, 2019

"I find it difficult to open a PayPal account, but after going through this, it very easy. Thanks."

Michael Coleman

Jul 20, 2019

"I am thinking of selling items on eBay and want to set up a PayPal account for payment purposes."
Rated this article:

Jack Wiese

Aug 22, 2019

"I have an eBay business that is now very successful, and this article helped it all get started!"
Rated this article:

Jimmy R.

Jan 23, 2019

"The examples of the website, showing the step-by-step procedures to setting up the account."

Leah Cartagena

Jun 29, 2019

"It help me a lot, since there is a step-by-step on how to create an account in PayPal."
Rated this article:

Sandra Chery

Jul 10, 2019

"It was very helpful, I was able to get the help I needed. Thank you for your services."
Rated this article:

Hal Franc

Jun 29, 2019

"Step by step pictures & words along with answers to basic questions were very helpful."

Abhinandan Pattnaik

Jul 13, 2019

"Earlier I had no idea about PayPal. Thanks, wikiHow, for providing me the knowledge."
Rated this article:

Jacqueline McGinnis

Jul 19, 2019

"Thank you so much. Very straight forward explanations with simple lay men's words. "
Rated this article:

Va Ree

Jun 13, 2019

"The article is very helpful. Did not realize opening a PayPal account was so easy."
Rated this article:

Leesa Greenraine

Apr 24, 2019

"Very helpful! wikiHow, it's like you were in my head. I'm all about simple things."

Bheki Mkhaliphi

Oct 2, 2019

"I thought there were charges for using PayPal, but it's free, and thank you guys."
Rated this article:

Disha Jain

Jun 19, 2019

"Almost all the time wikiHow helps me getting the right information step by step."
Rated this article:

Tammy Englehart

Jul 10, 2019

"I like the step by step explanations! Very simple and very clear.

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Date: 18.01.2019, 20:03 / Views: 82582