How to add money to PayPal?
The quick and easy ways to fund your PayPal balance

You can add money to PayPal right away from your bank account or debit card. This will add money to your balance within minutes for a modest cost. A lot of people who shop online have been upset when they missed out on limited-edition items or flash bargains because their PayPal balance was low and regular bank transfers took too long. You should always be ready to make time-sensitive purchases by knowing all of your funding alternatives, especially newer instant techniques that can add money in less than two minutes.

How to add Money to a PayPal account?
There are three fast and simple ways to add money to PayPal.
1. PayPal transfer service
What is a PayPal transfer service?
A PayPal transfer service like Rewarble transfers funds directly from your linked bank account to your PayPal balance through the PayPal platform.
Benefits of this top up method
- Receive funds within 2 minutes
- Your bank account is not directly linked
- You can add money to any PayPal account
- You only have to provide a PayPal email
- 24/7 available service
- You can pay with alternative payment methods through our providers
How does it work?
- Buy a gift card from a Rewarble partner
- Redeem it at Rewarble.com/redeem
- Choose the PayPal top up
- Provide the amount and a PayPal email
- Confirm and the money will be transferred immediately
2. Prepaid card
What is a prepaid card?
A prepaid card is a payment card which is not directely linked to your bank account. It is a card where you can load money into and use it to connect to PayPal.
Benefits of this top up method
- Also use it for other transactions
- Reloadable card for multiple use
- Your bank account is not directly linked
- You can add money to any PayPal account
- You only have to provide a PayPal email
- 24/7 available service
- You can pay with alternative payment methods through our providers
How does it work?
- Buy a gift card from a Rewarble partner
- Redeem it at Rewarble.com/redeem
- Select a prepaid Visa or mastercard of your choice
- Use the card details to connect to PayPal
3. Through PayPal
You can also top up your PayPal accoutn directly through PayPal. However, this sounds fast but PayPal does not provide alternative payment options like crypto. You also need to add your payment details thorugh paypal which makes your bank accoutn directely connect to PayPal. If you value both instant transfers and privacy, a prepaid card or a PayPal transfer service like Rewarble is a good option.
The costs of an instant PayPal transfer service
The fastest way to add money to your PayPal account is through Rewarble's instant transfer service, which moves funds from your linked bank account or debit card in just minutes. The following table shows the fees and net amounts you'll receive for the most common transfer amounts.
Amount | Total Cost | You Receive | Process Time |
£10 | £10.79 | £8.52 | Instant (2 min) |
£20 | £21.58 | £17.82 | Instant (2 min) |
£30 | £32.37 | £27.13 | Instant (2 min) |
£40 | £43.16 | £36.43 | Instant (2 min) |
£50 | £53.95 | £45.73 | Instant (2 min) |
Fee structure: £0.79 + 6.95% | Funds appear in your PayPal balance within 2 minutes
Not all banks and cards allow you to make deposits right away. This service is available from big banks like Bank of America, Chase, Wells Fargo, and PNC Bank. But I found out that PayPal gift cards work with any PayPal account throughout the world as long as you have an email address. They are great for tiny, urgent transfers (under £15) or when standard methods aren't accessible, even if they cost more for larger amounts.
After trying out all the options, I came up with a simple plan: gift cards for sums under £15 when time is of the essence, instant transfer for amounts between £15 and £100, and regular transfers when I can wait 3 to 5 days.
Topping up PayPal in GBP (British Pounds)
A valuable feature of PayPal top-up services like Rewarble is the ability to add British pounds (GBP) directly to your PayPal account, regardless of your location. This is particularly beneficial for international shoppers buying from UK retailers, paying for British subscriptions, or conducting business with UK companies. By topping up your PayPal balance directly in GBP through Rewarble, you avoid PayPal's unfavorable currency conversion rates, which typically add 2-4% to your costs. The process is straightforward: simply select GBP as your currency when redeeming your Rewarble voucher, and the funds will appear in your PayPal GBP balance within 2 minutes. This is ideal for paying UK-based services like streaming subscriptions, British Airways flights, or shopping at popular UK retailers such as ASOS, Argos, or Tesco. For European users dealing with more GBP transactions post-Brexit, this method offers a fast and cost-effective solution.
How to link your bank account or card to PayPal
You need to connect a source of money to your PayPal account before you may add money to it. First, log in to your account and go to the Wallet area of your PayPal settings. This main hub shows all of your linked payment methods and lets you add new ones.
Click "Link a bank account" and type in your routing and account numbers to connect your bank account. PayPal will start the verification procedure by putting two tiny transfers (typically less than $1) into your account. It usually takes 2–3 business days to verify this micro-deposit. When you notice these deposits on your bank statement, go back to PayPal and confirm the exact amounts to finish the verification process.
It's even faster to add a credit or debit card. Click "Link a card" and fill out the form with your card number, expiration date, and security code. PayPal checks most cards right away, but others may need more proof through your bank's security system. PayPal works well with big banks like Chase, Bank of America, and Wells Fargo. Smaller credit unions may need to do extra steps to verify your identity.
What a PayPal top up through Rewarble means
You don't have to wait 3 to 5 days for bank transfers when you add money to PayPal anymore. With instant services like Rewarble, you can top up your balance in just 2 minutes, perfect for flash sales and time-sensitive purchases.
The best way to do things is to utilize gift cards for rapid transfers under £15, instant transfers for amounts between £15 and £100, and regular bank transfers only when you can afford to wait. You can buy what you need whenever you want because you can pay in GBP or other currencies, and you can pay with crypto or other methods.
Don't let a low PayPal balance stop you from getting that one-of-a-kind item or deal. Pick the top-up technique that works best for you and be ready for any online chance that comes your way.