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If you don't have a bank account but want to use PayPal to hold, send, and receive funds, you'll need to confirm your identity by providing identifying documents to PayPal.
Linking on a Computer
Go to https://www.paypal.com/myaccount/money/ in a web browser. You can use any web browser to log in to PayPal and link a bank account. If you don't have a bank account, you can still verify your account by providing proof of identity. To do so, go to http://www.paypal.com/policydashboard/process/compliance/cip in a web browser, sign in (if you aren't already), and enter the requested information. The information necessary to verify your account varies by user and region.
Click Link a card or bank. It's in the top left corner of your web browser.
Click Link a bank account. Since you already had to show certain documents to verify who you are when you opened a bank account, PayPal skips this formality by using your linked bank account.
Click your bank or search for it. You can browse the list to find your bank, or you can search for it in the search bar at the top of the list.
Connect with your bank account. You might be able to instantly link your bank account. If prompted, log into your bank with your username and password. If not, you can manually enter your bank details, like your account and routing numbers.
Click Agree and Link. If connecting automatically doesn't work for you, you can still link manually. Click Link your bank another way when you add an account, then enter the deposit amounts from PayPal made to your bank. After you confirm these deposits, your bank account will be connected to PayPal!
Linking on a Phone or Tablet
Open the PayPal app on your phone or tablet. It's the blue icon with a white "P" in your app list. If you don't have a bank account, you can still verify your account by providing proof of identity. To do so, go to http://www.paypal.com/policydashboard/process/compliance/cip in a web browser, sign in (if you aren't already), and enter the requested information. This allows you to use your PayPal account to send, receive, and hold money even without a bank account. If you're not already signed in, follow the on-screen instructions to do so now.
Tap Wallet. It's in the bottom right corner of your screen.
Tap Add banks and cards. It's in the top menu near the top of your screen. Alternatively, tap Add new next to "Banks and cards."
Select Banks. It's the first icon in the list of a building with pillars in front.
Link a bank account. Search for the name of your bank, and then select it from the list. If you don't see your bank, tap Enter Your Bank Details instead. If you can't find your bank, tap Link another way. Select your bank account type (Checking or Savings), and then enter both the routing number and account number. You can find this information on a check or in your banking statement. Then, tap Agree and Link to continue. Within 3 business days, you'll receive 2 small deposits into your bank account from PayPal. When you receive those deposits, write down or remember the amounts, visit your PayPal wallet in a web browser, sign in to your PayPal account, and follow the on-screen instructions to enter the amounts. Once confirmed, your account will be verified. If you link a bank account using your banking username and password, then the account is automatically verified. If you type in your banking account's account and routing numbers, you have to confirm the deposit amounts to verify your account.
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