To move money from a U.S. PayPal account to a bank, open Wallet → Transfer Money → Transfer to your bank on PayPal’s website, or tap PayPal balance → Transfer → Transfer to bank in the app. Choose a linked bank account and a transfer speed. Standard transfers are typically free and take 1–3 business days; eligible Instant Transfers usually arrive within minutes but have a fee. Check the fee and estimated arrival shown in your account before confirming.
How to transfer money from PayPal to your bank
- Make sure the bank account is linked to PayPal and available as a withdrawal destination. Instant Transfer is shown only for eligible destinations.
- On the website, go to Wallet → Transfer Money → Transfer to your bank. In the app, tap your PayPal balance → Transfer → Transfer to bank. PayPal’s instructions are at PayPal’s U.S. transfer help page.
- Select the bank account and review the transfer options PayPal offers.
- Choose standard or instant, then review the amount, destination, fee, and estimated arrival time displayed in your account.
- Confirm the transfer and keep the confirmation. If it is pending or delayed, check PayPal notifications and the transfer status.
Standard or Instant Transfer: which should you choose?
| Option | Typical timing | PayPal fee for U.S. accounts | Availability |
|---|---|---|---|
| Standard transfer | Typically 1–3 business days, according to PayPal’s U.S. withdrawal help | No fee for a standard withdrawal to an eligible linked bank account, according to PayPal’s U.S. Balance terms | Choose it when the option appears and the estimated timing works for you |
| Instant Transfer | Usually within minutes, though bank processing can take longer, according to PayPal’s U.S. withdrawal help | PayPal’s current U.S. fee disclosure lists 1.75% of the amount, with a $0.25 minimum and $25 maximum | Only available for eligible destinations; PayPal shows whether it is offered |
The practical trade-off is speed versus cost: standard avoids a PayPal withdrawal fee but takes longer, while instant costs a fee for a faster transfer when available. Review the amount PayPal displays at checkout; the fee and eligibility shown in your account are the relevant ones for that transaction. See PayPal’s U.S. fee disclosure and withdrawal timing guidance.
How long does a PayPal bank transfer take?
PayPal describes standard U.S. withdrawals as typically taking 1–3 business days and Instant Transfers as usually arriving within minutes. These are estimates, not guarantees. Weekends and holidays can extend standard timing, and bank processing, account reviews, or limitations can delay or stop a withdrawal. PayPal explains possible delays in its withdrawal status and delay guidance.
What to do if the money has not arrived
- Check the transfer status in PayPal. If it is pending or under review, read PayPal messages and notifications for updates.
- If PayPal says “Complete,” allow for bank posting. Complete means PayPal processed and sent the transfer; the receiving bank may still need time to make it visible.
- If the expected period has passed, contact the bank. Give it the transfer details from your confirmation.
- Check for account limitations or other notices. PayPal may review, delay, or stop a withdrawal if it detects an issue.
Important: these steps and fees are for U.S. PayPal accounts
The question does not specify a country, so the instructions and fee figures here describe the U.S. service. PayPal transfer types, fees, currencies, and timing vary by market. If your account is outside the U.S., use your local PayPal help page and rely on the options and charges shown in your account before confirming.
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