What is the PayPal Debit Mastercard® and how do I get one?

The PayPal Debit Mastercard® allows you to pay with your PayPal balance everywhere Mastercard® is accepted.

You can earn 5% back on up to $1,000 spend each month when you use the PayPal Debit Card to make purchases in your selected monthly category – Fuel, Groceries, Apparel, Restaurants, or Rideshare & Public Transit.*

To apply for a PayPal Debit Card, you need an active personal PayPal account in good standing, a confirmed US street address, your date of birth, and your social security number (SSN).

Note: You can only have one PayPal account with associated with your SSN to be approved for the Card. If you have multiple PayPal accounts tied to the same SSN, ensure additional PayPal accounts tied to your same SSN are closed prior to applying for the PayPal Debit Card with the PayPal account you actively use.

Get a PayPal Debit Card now.

You’ll get a digital card instantly and you can shop with it right away. You can request a physical card in the PayPal app at no cost so you can shop in-store and use your Card to earn monthly category rewards in more places.

You’ll also get access to additional cardholder benefits through Mastercard, such as ID Theft Protection to monitor your credit file and get alerts for suspicious activity as well as global emergency services and Mastercard Zero Liability protection. Learn more here.

To request a physical card

1. Open the PayPal app and tap your PayPal balance.
2. Select your PayPal Debit Card.
3. Tap Request a physical card.

Buy in-store

You can add your card to your smartphone’s mobile wallet, like Apple Pay, Google Pay, or Samsung Pay, for contactless (tap-to-pay) payments.

1. Open the PayPal app and tap your PayPal balance.
2. Select your PayPal Debit Card.
3. Tap to add your card to your mobile wallet.

With a physical card, tap or swipe it on the store's card reader.

Buy online

1. Open the PayPal app and tap your PayPal balance.
2. Select your PayPal Debit Card.
3. Tap the Eye icon located on the PayPal Debit Card and select Copy. This will copy the 16-digit card number that you can use to shop online.

You’ll also see your PayPal Debit Card as a payment option at PayPal Checkout.

Add money to your PayPal balance

Remember, to use your PayPal Debit Card there must be money available in your PayPal balance.

• Transfer money from your bank at any time or set up auto-reloads.
• Any payments received go into your PayPal balance, ready for you to spend.
• Add cash at thousands of stores across the US.
• Cash a check in the PayPal app.
• Get your paychecks or government payments with Direct Deposit.

Are there any fees?

There are no fees to open or to pay with the PayPal Debit Card in stores or online within the US, or when you withdraw funds at US MoneyPass® ATMs. Learn more about transactions that have fees.

Disclosures

The PayPal Debit Mastercard® is issued by The Bancorp Bank, N.A. (“The Bancorp”) pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal.

PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance account. See PayPal Balance Terms and Conditions.

*Earn 5% back on up to $1000 of selected monthly category spend per month earned in points redeemable for multiple options. Terms apply.

Mastercard ID Theft Protection - Certain terms, conditions, and exclusions apply. Cardholders need to register for this service. This service is provided by Generali Global Assistance, Inc. Visit MyCardBenefits or call 1-800-Mastercard for more information.

Mastercard Zero Liability Protection - Conditions and exceptions apply. Learn more.

Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.
Google Pay is a trademark of Google LLC.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

Up to $3.95 cash reload fee applies. The service fee is to add cash into your PayPal Balance account.

The Cash a Check feature is a service provided by Sunrise Banks, N.A. with support from Ingo Money, Inc., and is subject to separate terms and conditions and privacy policy. For additional details, including fees and limits, see PayPal Balance Terms and Conditions. All checks are subject to approval for funding.

A PayPal Balance account is required to use Direct Deposit. Direct Deposit must be supported by the payer (employer or government agency). Once it's set up, Direct Deposit usually takes two (2) pay cycles to begin but can vary across payers. Refer to the PayPal Balance Terms and Conditions for complete Direct Deposit details.

ATMs must display the Mastercard®, Cirrus®, Pulse®, or MoneyPass® acceptable marks. Up to $400.00 USD daily withdrawal limit applies. Transactions at non-MoneyPass ATMs have a $2.50 ATM Domestic and International Withdrawal Fee. No fee for MoneyPass ATM Withdrawals in the U.S. International Transaction Fee applies for International ATM Withdrawals. ATM operator fees may also apply. See Cardholder Agreement for details.