How to Use PayPal Without a Bank Account in 2021

For those of you who are new to the PayPal platform, this topic might be one of your concerns. How do you use PayPal without a bank account? Let us tell you more. But before we do, make sure that you check out our other PayPal guides on Money Brighter.

paypal without bank account

As you can see, PayPal has some identification requirements. This is about the platform’s security and those who transact with you using a PayPal account.

Since PayPal is a financial bridge for millions of users, it is logical that some people want to use this platform for illegal purposes. This could include money laundering, running schemes and scams, and other fraudulent transactions. That is why PayPal requires that you verify your PayPal account before fully using it as your online wallet.

So what do you do? Can you still use PayPal without a Bank account? This is where it gets interesting.

Did you know that there are several types of PayPal accounts? Make sure to check out our guides for joint accountspremier accounts, and non-profits.

How to use PayPal without a bank account

PayPal is not as strict as you might have thought earlier. Just like most subscriptions, PayPal allows some access to a new account. This means that you can still use your balance to receive and send money. But, of course, it is for limited access.

Yes, you can send and receive money through PayPal for a limited amount of money. This means that your PayPal account is still usable. Typically, you can associate a credit card or debit card with making the movement of your money more flawless.

PayPal without bank account limitations

For new signups for PayPal, as long as you have provided basic information on the platform, you can actually receive as much amount of money as possible. The limitation starts when you withdraw and send that money out of PayPal without a bank account.

For new PayPal active accounts, you can withdraw or send money as much as $10,000. That means for that amount, PayPal is still functioning to your advantage. But apart from that or beyond the $10,000 amount, you will be refrained from sending more.

You see, if you want some small amount of money transferred through PayPal, it is alright not to provide any credit card or bank account. You type in the email of the recipient and confirm the process.

But if we are talking huge amounts, the PayPal policy and restriction will start to kick in. Besides, you have to understand that PayPal’s limitations for non-verified accounts are for the users’ protection.

Make your PayPal transactions easier by using our guides! Learn how to issue an invoiceactive card, and withdraw money.


If you are planning to use PayPal for illegal transactions, we suggest refraining from doing it. You could lose your money when PayPal detects this kind of activity. The platform will surely freeze your account and will not give you further access to your money until you provided legit identification documents.

If you do not know how to create a PayPal account, it is actually easy. It is just like signing up for a social media account. Just use real information, so you are protected. Ask us about the paypal buyer credit, about bank accounts, paypal money transfers, bank statement, payment services, customer payment, payment process, online payments, international payments, business payment, currency exchanges, registered business, average transaction, conversion fee, buyer protection, paypal business, popular retailers, international retailers, preferred payment method, credit card payments, monthly payment volume, Debit card payment, Foreign exchange rate, Foreign Transaction Fees, Seller protections, balance and payments service or anything about the article in the comment box below.

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