Why Can’t PayPal Link to My Bank? (Full Guide)

If you’re looking to link your bank to your PayPal account, but are having trouble, you might want to know: why can’t PayPal link to my bank account?

If so, keep reading to learn all you need to know about PayPal and why you may have trouble doing it, along with other related facts!

What Can’t PayPal Link to My Bank in [currentyear]?

PayPal is a flexible way to send and receive money, but to get the most out of it, you will want to connect a bank account in [currentyear]. However, there are sometimes problems when connecting bank accounts to PayPal. Most problems have to do with signing in through PayPal, which can be done manually with your account and routing numbers.

Do you want to know more about linking your PayPal account to your bank, and how to resolve problems that may arise? If so, read on to learn what we’ve found out! 

What Does It Mean If PayPal Can’t Link My Bank?

If PayPal can’t link your bank account, there is an error causing the problem. This could be as simple as a glitch, and you may want to wait a few hours and try again.

Why Can’t PayPal Link My Bank?

PayPal may not be able to link your bank for a number of reasons, but you should first check the error that’s given when trying to link your account.

Quite likely, there could be an error with PayPal or more likely with your bank account.

Why Does PayPal Ask for My Account and Routing Number?

PayPal asks for bank information such as account and routing numbers in order to connect your bank account to your PayPal account.

Most of the time, you can link a bank account with your relevant login details, but smaller banks may not have logins that are compatible with PayPal.

In this case, you will have to manually add it with an account and routing number.

Where Can I Find My Bank Account and Routing Number?

Your bank account and routing number can be found on a check. However, if you don’t have checks, this can also be found on your monthly statements.

Do I Need to Link a Bank Account to My PayPal Account?

You don’t need to link a bank account in order to use PayPal. However, you will need to link an account in order to get verified on PayPal.

Do I need Money in My Bank Account When Linking PayPal?

Do I need Money in My Bank Account When Linking PayPal?

When linking a bank account to PayPal, you will want to have at least $5-$10 in your account, because PayPal will make a small transaction in order to verify it.

Does PayPal Charge to Link a Bank Account?

PayPal doesn’t charge to link a bank account or any other payment method, such as debit and credit cards.

However, PayPal will deduct a small amount from your bank account, which will be refunded in a couple of days in order to verify it.

Can I Link a Debit Card to a PayPal Account?

You can link a debit card to a PayPal account, and this is a common way to pay for items when using PayPal.

As well, linking a debit card will also allow you to make instant transfers from PayPal to the debit card’s account for a small fee.

Can I Link a Credit Card to a PayPal Account?

You can link your credit card to your PayPal account in the same way that you can link a debit card.

Can I Link a Savings Account to My PayPal Account?

You can link a savings account to your PayPal account, but keep in mind there is a maximum on the number of withdrawals from a savings account.

Are There Requirements to Link a Bank Account to PayPal?

There are no requirements for linking an account other than it being your account, and you have the login and account details available when you’re ready to connect them.

It’s also a good idea to have money in the account, as PayPal will temporarily deduct a small amount to verify that it’s a legitimate bank account.

To learn more, you can also read our posts on PayPal statistics, does PayPal work with debit cards, and how does PayPal invoicing work.


It’s not uncommon to have problems linking a bank account to your PayPal account, and the problem is probably due to your bank’s login system.

However, PayPal has a way to connect to your bank account, even if your online login is not available and all it requires is your bank account and routing numbers when trying to connect. If this doesn’t work, it’s best to call PayPal to resolve the problem.

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Cara Suppa

Cara Suppa has been freelance writing for over a decade and holds a BA in English and an MS in Integrated Marketing Communications. Outside of work, she is an avid cook, gardener, and discount shopper.

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