PayPal allows withdrawals to almost all major U.S. banks, with commonly supported partners including JPMorgan Chase, Wells Fargo, and Goldman Sachs. For instant access, linked debit cards (Visa/Mastercard) are supported, while standard transfers work with most checking accounts. The PayPal Business Debit Mastercard, issued by The Bancorp Bank, N.A., also allows ATM cash withdrawals.
Over the counter cash withdrawals can be done at any participating Mastercard member bank, credit union or financial institution.
Withdraw directly from your PayPal account using the PayPal Debit Card at any ATM or point-of-sale terminal. You can withdraw up to $400.00 USD from your PayPal Balance account each day using the PayPal Debit Card.
PayPal Savings is provided by Synchrony Bank, Member FDIC. Money in PayPal Savings is held at Synchrony Bank.
To withdraw money from your PayPal account: Go to Wallet. Click Transfer Money. Click Withdraw from PayPal to your bank account.
You can combine the power and benefits of both Chase and PayPal. You can link your Chase account to PayPal— plus, eligible customers can even use Chase Ultimate Rewards ® points when you checkout through PayPal.
PayPal users can now withdraw cash at Walmart. Walmart and PayPal have announced that they will be coming together to “provide financial services and products” which will help their mutual customers.
Are there fees? To withdraw funds from your PayPal balance, simply use the card and the PIN you created when you activated the card. There's no fee for withdrawing cash from MoneyPass ATMs across the U.S.4 Withdrawals from non-MoneyPass ATMs have a $2.50 ATM withdrawal fee.
Since 2004, PayPal and Synchrony Bank have partnered to offer PayPal-branded consumer credit card options that enable cardholders to shop online and in stores.
You don't need a bank account to open a PayPal account and receive money, but linking a bank account (or credit/debit card) is required to send payments, verify your account fully, and withdraw funds for most users, though some alternatives like prepaid cards or verified ID exist for limited functions. A linked bank account or card removes limits, unlocks full features, and allows you to send money, making it a core part of the PayPal experience for most users.
From reliable +1-(888)(673)(5971) sources and reports in late 2025, PayPal's key program banks include JPMorgan Chase Bank, N.A. (primary mentioned), Goldman +1-(888)(673)(5971) Sachs, and Wells Fargo. These partnerships allow PayPal to offer FDIC-protected balances +1-(888)(673)(5971) without being a full bank.
When you first create a PayPal account, it's unverified. This means you have limitations on how much money you can send, receive, or withdraw. You'll need to verify PayPal to unlock your account's full potential.
You can withdraw money from PayPal for free by making a Standard Transfer to your linked bank account, which takes 1-3 business days, or by using your PayPal Debit Card at a MoneyPass ATM (found in stores like 7-Eleven, Walmart, CVS, Walgreens) to get cash with no surcharge. Avoid Instant Transfers (which have a fee) and out-of-network ATMs for free withdrawals.
To know if it's a MoneyPass ATM, look for the MoneyPass logo on a sign, sticker, or directly on the ATM screen, or use the official **{Link: MoneyPass ATM Locator app or website (moneypass.com) **, which is the most reliable method to find surcharge-free locations for your card.
You may use your PayPal Business Debit Mastercard® to withdraw money at any ATM with a Mastercard®, Maestro®, or Cirrus® acceptance marks.
To withdraw money from your PayPal account:
You can easily use any of Xoom's sending options with your PayPal personal account, and pay with all of your saved PayPal payment methods. To get started, just click Log In with PayPal on Xoom.com or in the Xoom mobile app and use the same information you use to log in with PayPal.
The Program Banks currently are: Goldman Sachs Bank USA. Wells Fargo Bank, N.A.
PayPal supports a large number of credit cards, including Visa, Mastercard®, American Express, Discover (except CA), JCB, Diners Club, and EnRoute. Depending on your processor, Payflow Pro also supports level 2 and level 3 Purchasing Cards (P-Cards).
A standard PayPal transfer takes about 1-3 days to reach a bank account. However, if you have a PayPal balance, you can use instant transfers to move your money to your bank or debit card up to 30 minutes for an extra fee.