If you want to use PayPal but don’t have or don’t want to use a credit card, you can still create and use an account easily. PayPal allows you to send, receive, and spend money through other methods such as your bank account, debit card, or PayPal balance.
Step 1: Sign Up for a PayPal Account
Go to the official PayPal website (https://www.paypal.com/) and click Sign Up. Choose Personal Account and fill in your details (your name, address, email, and password). Once you’ve completed the form, PayPal will send a confirmation email. Click the verification link in that email to activate your account.
At this point, your account is open and you can already receive payments to your PayPal balance.
Step 2: Skip Adding a Credit Card
When PayPal asks you to add a payment method during setup, you can skip the credit card option. Instead, you can continue setting up your account and link a bank account or debit card later. This step is optional during registration, so you’re not required to provide a credit card to finish signing up.
Step 3: Link Your Bank Account (Optional but Recommended)
To send money, withdraw funds, or verify your identity, it’s best to link your bank account.
- Log in to PayPal.
- Go to Wallet.
- Select Link a bank account.
- Enter your bank details and follow the on-screen instructions.
Depending on your country, PayPal might make two small deposits into your account to confirm ownership. Once you verify the amounts, your bank will be linked and ready for use.
Step 4: Use PayPal Balance for Payments
If you don’t want to link any card or bank account, you can still receive money. Payments sent to your email address will appear in your PayPal balance. You can then use that balance to make purchases online or send money to others.
Keep in mind that unverified accounts may have limits on how much you can send or withdraw. To unlock all features, it’s best to verify your identity or link a bank account.
Step 5: Add a Debit Card (Optional)
If you prefer not to share your bank account, linking a debit card is another simple option. It works almost the same as a credit card, allowing you to pay instantly without using credit. Most major debit cards from Visa, MasterCard, and similar providers are accepted.
Conclusion
To ensure your PayPal account works smoothly, make sure the name on your account matches the one on your bank or debit card. Confirm your email and phone number so you can recover your account easily and avoid restrictions. You should also check the PayPal requirements specific to your country, since verification steps and available features may differ.